Encova Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Encova Insurance Score
4 Stars
We award Encova Insurance company a final rating of four out of five stars. The insurance company is still relatively young, but one of its parent companies, Motorists Insurance Group, has been around for more than 90 years, which is noteworthy within the insurance industry. Encova itself has received high ratings through AM Best and the Better Business Bureau (BBB) and has been accredited through the latter organization.
Encova was originally founded in 2017. Coverage is offered in 28 states currently, and Encova's catalog focuses on personal and commercial insurance options. The carrier provides claims reporting online or via phone, snail mail, or email. Encova offers several discounts on many types of coverage, helping to keep premium rates low for customers.
Overall, if you're in the market for personal or commercial insurance coverage, we highly recommend looking into Encova Insurance with the help of your independent insurance agent to be your next trusted carrier.
Encova Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you. Your independent insurance agent can help you find more information about the coverage offered by Encova and help you decide if this insurance company is right for you.
Encova Insurance Products by Type
Encova sells a wide variety of personal and business coverages. Its products include the following:
Business Insurance
- Commercial package insurance
- Commercial umbrella insurance
- Cyber liability insurance
- Employment practices insurance
- Workers' compensation insurance
Personal Insurance
- Auto insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- Vacation home insurance
- Personal property insurance
- Personal umbrella insurance
- Recreational vehicles insurance
Encova Auto Insurance
Encova sells all the standard coverages you'd need in a car insurance policy, including comprehensive, liability, personal injury protection (PIP), medical payments, collision, and uninsured/underinsured motorist. The carrier also offers some optional coverage, including the following.
Coverage types, features, and benefits:
Towing and labor
This coverage reimburses the policyholder for the cost of professional towing and other roadside assistance services in case their vehicle breaks down on the road.
Encova Auto Insurance Average Prices
Encova does not advertise its average car insurance prices. An independent insurance agent can help you obtain car insurance quotes from Encova in your area. You can also use our car insurance calculator to get a better idea of how much you might pay for an auto policy.
Encova Homeowners Insurance
Encova also sells all the standard coverage you need in a homeowners insurance policy, including protection for your personal property or contents, liability, medical payments, and structural damage. Encova's home insurance can also provide reimbursement for damage to detached garages, yard barns, and workshops. The carrier also offers a couple of bonus coverage enhancement options, including the following.
Coverage types, features, and benefits:
Replacement cost
Encova offers optional replacement cost coverage for furniture and other personal property, which can pay to replace items with similar versions without factoring in depreciation.
Valuables
Encova also offers optional valuables coverage for more expensive personal possessions, including jewelry, furs, golf equipment, silver, and collectibles.
Encova Homeowners Insurance Average Prices
Encova does not advertise its average home insurance prices. An independent insurance agent can help you obtain home insurance quotes from Encova in your area. You can also use our home insurance calculator to get a better idea of how much you might pay for a homeowners policy.
What Discounts Does Encova Offer?
Encova offers several competitive discounts on its coverage, especially for home and auto insurance. The carrier's discounts include the following.
Auto insurance discounts:
- EFT discount
- Bundling discount
- Good student discount
- Anti-theft devices discount
- Driver training course discount
Personal property insurance discounts:
- New construction discount
- Recent renovations discount
- Credit score discount
- Bundling discount
An independent insurance agent can provide better discount information and premium quotes for coverage through Encova. When it comes to insurance coverage, independent insurance agents work hard to get you the best value for your money.
Connect with an Encova Agent Today.
Shopping for insurance? Encova has you covered.
Encova Customer Service
Encova offers phone, email, online, or snail mail claims reporting for its policyholders. The carrier provides the following customer service options:
- Phone
- Snail mail
- Online claims reporting
- Online bill pay
- Report fraud option
- Phone customer service department hours are as follows:
| Days | Hours (EST) | ||
| Monday-Thursday | 8 am-5 pm | ||
| Friday | 8 am-3:45 pm | ||
| Saturday-Sunday | Closed |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Encova Insurance FAQs
Encova Insurance offers coverage in 28 states, including cyber liability insurance, umbrella insurance, workers' compensation, and more. The carrier is headquartered in Columbus, OH, and was originally formed through the merging of the BrickStreet Insurance and Motorists Insurance Group companies in 2017. The carrier has excellent ratings from both the BBB and AM Best.
Encova offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.
Encova allows customers to file claims by phone, email, online, or snail mail. Its customer service business hours are displayed on the carrier’s social media pages. The carrier’s social media presence extends across Facebook, Instagram, and LinkedIn, which makes it much more accessible to customers.
Encova offers a couple of options for claims reporting. However, the insurance company has limited details about its claims process on the official website and social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or get in touch with their independent insurance agent.
Encova offers online bill pay and claims reporting for its customers, which are convenient, modern customer service features. Overall, Encova can certainly be considered a user-friendly insurance carrier.
Encova offers many types of commercial and business insurance for customers in 28 states. The carrier also offers a user-friendly experience for paying bills and reporting claims. Combined with excellent official ratings, Encova can certainly be considered a good insurance company.
Encova's insurance products may be right for individuals or professionals seeking home, auto, or commercial insurance. The carrier's products are only available in 28 states, though, so you'll need to verify that coverage is offered in your location.
Encova offers many standard home insurance coverages, including liability, dwelling, and contents. The carrier also has additional coverage options for personal umbrella insurance, identity theft coverage, and valuables coverage.
https://www.bbb.org/us/oh/columbus/profile/insurance-companies/encova-insurance-0302-2325
https://news.ambest.com/newscontent.aspx?refnum=244474&altsrc=23
https://www.encova.com/