Encova personal Insurance Review & Ratings (2024)

Welcome to our comprehensive guide on Encova Personal Insurance, where we delve into the key aspects of this reputable insurance provider’s coverage options and services. We will explore the various policies offered by Encova, such as auto, home, and life insurance, discussing their features, benefits, and how they can safeguard your assets and loved ones.

We will also shed light on the claims process, ensuring you understand the seamless procedure for filing and receiving compensation. We will provide valuable insights into selecting the right coverage options tailored to your specific needs. Are you ready to secure reliable protection? Enter your zip code now to compare rates from top insurance providers and take the first step towards comprehensive coverage and peace of mind.

Is Encova a good insurance company?

Founded in 1931, Encova has earned a reputation for good insurance products through solid customer service, an expanding line of coverage options, and financial stability. The list of insurance options you can buy at Encova is long and includes:

• Car
• Home
• Life
• Workers’ compensation
• Commercial

It might be smaller, but Encova seems to offer great satisfaction. Most online reviews for the company are positive, with a majority of customers saying they plan to continue their coverage with Encova.

How is Encova’s car insurance?

Encova’s car insurance tends to get positive reviews. Some of the types of coverage available through Encova include:

• Liability. If you cause an accident, liability pays for property damage and bodily injuries for injured drivers, passengers, or pedestrians.
• Personal injury. This coverage protects you and your passengers by paying for your medical bills and lost wages from missing work.
• Collision. No matter who causes the accident, collision coverage will pay to get your car repaired.
• Comprehensive. Comprehensive covers damage to your car not caused by accidents, including animal contact, theft, vandalism, and weather.
• Underinsured/uninsured motorist. Just because it’s legally required by most states, not all drivers have insurance. This coverage protects you from drivers with inadequate insurance.

While it isn’t the most extensive list of coverage options, you should be able to get most, if not all, of what you want from your car insurance policy through Encova.

One major complaint about auto coverage is the Encova insurance auto claims process. Since there is no online option for claims, the process can be a hassle.

Encova Car Insurance Discounts

Like most other insurance companies, Encova offers several discounts to help you save money. These include:

• Married professional
• EFT
• Empty nester
• Bundling
• Good student
• Good driver
• Anti-theft devices
• Customer loyalty

Most of these discounts stack with each other, allowing you to save more money. Not every discount is available in every state, so ask an Encova agent to check how many discounts you’re eligible for.

Is Encova a good home insurance company?

The Encova insurance company bundles its home, condo, and renters insurance into the category of property insurance. While there are a few complaints about Encova’s car insurance, virtually nothing negative is said about its property insurance.

Encova offers the following options for home insurance:

• Dwelling. This part of your insurance covers the actual structure of your home, including your roof. This covers damage from weather, fire, theft, and vandalism. Protection extends to other structures on your property like free-standing garages, pools, and fences.
• Liability. If a guest is injured on your property and the injury is deemed your fault, you can be sued. Liability protection helps pay for legal bills in that case. You can go with the standard amount of liability, or you might be able to purchase additional coverage.
• Guest medical. While liability covers your legal fees, guest medical will help pay for the injured person’s medical expenses. From dental work to emergency room visits, Encova will cover it all. Encova even includes injuries caused by your pets.
• Personal property. This coverage protects the things you own such as electronics, appliances, furniture, and clothing. If you have valuable possessions in your home, such as antiques, jewelry, or musical instruments, you should consider buying more coverage.
• Additional personal property. If you have items in your home worth a lot of money, you can buy additional coverage for them.

You can also buy an umbrella policy from Encova. Umbrella insurance applies to your car and home insurance policies and offers additional liability coverage. If you are sued, and your liability insurance reaches its limit, the umbrella will take over.

Like auto insurance, the Encova insurance claims process for homes must be done through an agent on the phone. There is no mobile app or online form you can fill out.

Encova Home Insurance Discounts

Encova has a small but effective list of insurance options for home coverage, and they pair it with valuable discounts. These include:

• Recent renovations such as updating your wiring, plumbing, or roof
• Bundling
• An excellent credit rating
• The age of your home

An insurance agent will determine what discounts you’re eligible for to make sure you save as much money as possible.

What other insurance can you buy from Encova?

Aside from the types already listed, Encova specializes in commercial insurance. Home and auto insurance may sell better, but commercial insurance is where Encova shines.

For starters, here are the types of commercial insurance you can buy through Encova:

• Umbrella
• Cyber liability
• Employment practices
• Workers’ compensation

Encova also specializes in five different industries, which they promise to have a thorough knowledge, of on the Encova insurance website.

Auto Service Garage

You can buy mechanic’s professional liability, money and securities, employee tools and computer coverage, added property coverage for signs and fuel pumps, business interruption, and liability and physical damage coverage.

Contractor

You can get tool and equipment coverage, additional insured coverage, business income, and pollution and professional liability if you work as a contractor.

Dealership

For people who own a dealership, you can get coverage for employee tools, money, and securities, mechanic’s professional liability, new auto sales defense, fraudulent title coverage, added property coverage for signs, business interruption, and repair reimbursement.

Restaurant

Restaurants can buy business income, spoilage or contamination by refrigerant, credit card slips, customers’ property, accidental discharge of automatic cooking protection system, wine market value, medical expense, and water backup coverage.

Read more: Best Business Insurance for Restaurants

Wholesaler

Wholesalers can get coverage for business income, brand and labels, peak season, limited product withdrawal expense, and consequential loss assumption.

While you can’t get quotes online, you can manage your business insurance account online. Make sure to use the customer login – the Encova insurance agent login is next to the customer log in, so be sure not to click on it by accident.

Streamlining Experience With Encova Personal Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Encova offers a streamlined claims process for its customers. While they do not provide an online claims filing option, they do offer convenient alternatives. Policyholders can file a claim over the phone or through their dedicated mobile app, ensuring flexibility and accessibility in times of need.

Average Claim Processing Time

One crucial aspect of an insurance provider is the efficiency of its claims processing. Encova strives to provide a quick turnaround time for claim settlements. The average claim processing time with Encova is competitive, offering policyholders a relatively swift resolution to their claims.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in evaluating an insurance company’s performance. Encova has garnered positive reviews for its claim resolutions and payouts. Many customers have expressed satisfaction with the fairness and transparency of the claims process, making it a reassuring choice for policyholders.

Unleashing Innovation With Encova Personal Insurance Digital and Technological Features

Mobile App Features and Functionality

Encova offers a user-friendly mobile app that empowers policyholders with various features and functionalities. Through the app, customers can access their policies, view payment details, and even initiate the claims process. The app’s intuitive design enhances the overall customer experience.

Online Account Management Capabilities

Managing insurance policies has never been easier with Encova’s online account management capabilities. Policyholders can conveniently access their accounts, review policy documents, make payments, and update their information through the company’s secure online portal.

Digital Tools and Resources

Encova provides policyholders with a range of digital tools and resources to make informed decisions. These include informative articles, calculators, and resources to help customers understand their coverage options better. These digital resources empower customers to take control of their insurance choices.

How is Encova insurance rated?

Professional reviewing companies speak very well of Encova.

A.M. Best rates Encova with an A-, meaning they have excellent financial strength. What does that mean for customers? An excellent financial rating means you don’t need to worry about Encova holding out on paying your claims.

The Better Business Bureau (BBB) gives Encova an A+ rating. Unlike many other insurance companies, the complaints on the BBB are limited. The one major complaint is from someone trying to collect a claim from an Encova customer who hit their car.

Finally, the National Association of Insurance Commissioners (NAIC) compiles information about customer complaints about insurance companies. A 1.0 is the national average score. So, if a company has a lower score, it means they have fewer complaints. Encova has an excellent rating of 0.18, meaning they have very few complaints. This company tends to get praise rather than complaints, especially since Encova insurance rates tend to be affordable.

Find the Best Encova Quotes Today

Encova offers a wide variety of insurance products, but its commercial insurance plans are the best. Even though the claims process can be a hassle, Encova customers tend to be satisfied with their coverage.

If you’re interested in Encova insurance rates, you should compare them with as many companies as you can. Enter your ZIP code into our free tool to see what rates might look like for you.