Encova Insurance Company at a Glance
- Founded in 1928
- Offers personal and commercial coverage
- Coverage available in 25 states
- “A-” (excellent) rating by AM Best
- “A” (excellent) rating by the Better Business Bureau (BBB)
- Also offers workers' compensation and life insurance
- 24/7 phone claims reporting
- Strong financial stability
Encova pros: An established insurance company with more than 90 years worth of experience in the insurance industry. Highly rated by AM Best and the BBB. 24/7 claims reporting via phone, fax, email, or mail. Strong financial stability. Coverage available in 25 states.
Encova cons: Difficult to find customer feedback. Not much information about claims process provided on official website. Official website could use a general update. No online claims reporting.
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.
What Type of Insurance Does Encova Offer?
Encova is a specialized insurance company, with a focus on coverage for individuals and commercial businesses. The following are the just a few of the insurance products offered:
- Personal Insurance
- Umbrella Insurance
- Commercial Insurance
- Cyber Liability Insurance
- Employment Practices Liability Insurance
- Business Interruption
- Errors and Omissions Coverage
- Identity Theft
- Life Insurance
- Workers Compensation Insurance
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.
What to Know about Encova
Encova was founded in 1928, giving the carrier more than 90 years worth of experience in the insurance industry. Encova was formerly known as Motorists Insurance Group and BrickStreet Insurance, and they provide personal and commercial insurance, including life, auto, home, and workers’ compensation insurance.
Today, Encova still focuses its efforts on providing personal and commercial solutions for employees in need. Coverage is offered in 25 states across the country. The insurance company's LinkedIn profile states that Encova has between 1,001 and 5,000 employees, with nearly 530 of them found on the social media platform. As far as financial size, AM Best places the carrier in the $1.5 billion to $2 billion category.
Because of its financial strength, Encova has earned a reputation as a stable insurance company with a stable outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Encova an “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Encova can offer guaranteed, secure coverage from a financially sound carrier.
Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on complete evaluations of the company’s operating performance, business profile, and annual report. For customers not familiar with insurance companies’ respective reputations, AM Best’s ratings system allows them to make an educated decision about who they can rely on to meet their needs in the short term, and who will remain a robust, financially intact company in the long term.
What Discounts Does Encova Offer?
Encova makes information about their specific discounts readily available on their official website. These discounts include the following.
- Auto discounts
- Married professional
- Empty nester
- Bundling with other Encova policies
- Excellent driving record
- Good student
- Long-time customer
- Driver training
- Anti-theft devices
- Property discounts
- Age of home
- Recent renovations, such as updating the roof, wiring, or plumbing
- An excellent credit rating
- Bundling with an Encova automobile policy
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 most out of your money.
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Encova Customer Service
Encova offers 24/7 phone, fax, email, or mail claims reporting for its policyholders. The carrier also provides the following customer service options.
- Online bill pay
- Report fraud option
- Customer service availability - 24/7 phone claims reporting. Customer service hours are as follows.
|Monday-Friday||7:30 am - 5:30 pm|
The best way to make sure you to have a good customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can unwind and enjoy your insurance coverage.
Use our directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you.
What is Encova's average claim response time frame?
Encova offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.
What is Encova's customer service availability?
Encova allows customers to file claims 24/7 by phone, fax, email, or mail. Their customer service business hours are displayed on the carrier’s social media pages. The carrier’s social media presence extends across Facebook, Twitter, and LinkedIn, which makes them a much more open to customers.
What is Encova's claims process?
Encova offers a couple of options for claims reporting. However, the insurance company has limited details about their claims process on their official website or 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.
Does Encova's insurance create a user-friendly experience for customers?
Encova Customer Reviews
|“I never had any issues with the company. Good service, good customer services and prices are fair.” —Tthom|
|“Haven't filed a claim. But so far satisfied with the company. I get a discount for bundling my home & auto insurance.” —bob4free|
|“We have had this company for 10+ years. This is an awesome company. They have an excellent customer service department and the best rates that I have found. It is a local company and they did all the research to find the lowest rates for us!” —BonBon59|
|“Positive experience using this company. The rates are extremely reasonable and adding renter's insurance lowered the rate.” —Swmaitlen|
|“I was recently added to my significant other's automotive and property policy and we were preparing for a major raise in insurance rates. However, we were pleasantly surprised by the rates and the ease of adding me to the policy. We've not yet had to use the insurance, so I cannot speak to that end, but everything seems to be in place, just in case!” —anjiallen|
TrustedChoice.com's Final Review
We award Encova Insurance Company a final rating of 5 out of 5 stars. The insurance company has been around for more than 90 years now, which is no small feat within the insurance industry. And the company has used this time to their advantage. Encova has received high ratings through AM Best and the BBB, and they have been accredited through the latter association. While coverage is offered in 25 states, their catalog is a bit limited, with a focus on certain personal and commercial insurance options. The insurance company provides 24/7 claims reporting via phone or email, online bill pay, and it lists its business hours for the customer service department on its social media pages. There is not much information about the carrier’s claims process nor is there a response time frame promise located on their website. It is challenging to find any customer feedback about the insurance company online, but the few reviews available are pretty positive. Currently it is easy to say many positive things about this carrier. So, our recommendation is that if you are in the market for personal or commercial insurance coverage, consider your options for trusted carriers with your independent insurance agent, and look further into Encova.
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