Introduction: Why I Decided to Try Encova Insurance
When I first started researching insurance options, I kept coming across Encova Insurance. I saw mixed feedback online, so I wanted to give it a fair try myself. Like many of you, I needed reliable auto and home insurance, and I wasn’t willing to overpay for coverage. After spending months with them, I’ve put together this in-depth Encova Insurance review so you know exactly what to expect.
What is Encova Insurance?
Encova Insurance is a regional insurer that offers a range of policies, including:
- Auto insurance
- Homeowners insurance
- Business insurance
- Workers’ compensation coverage
They’re known for being a mutual company, which means policyholders have a stake in the business. This is different from giant national carriers and is supposed to create a more personalized experience.
My First Impression of Encova
When I first reached out to Encova, I noticed a few things right away:
- Their agents were local and approachable. It didn’t feel like talking to a call center overseas.
- The quotes were competitive, especially compared to bigger names like State Farm and Allstate.
- Their digital tools were somewhat limited, but they made up for it with personalized service.
So, if you value a human touch over flashy apps, Encova definitely fits the bill.
Read Also: My Honest Review of Finding the best Affordable Auto Insurance
Encova Auto Insurance Review
Since auto coverage was my first priority, here’s my take:
- Pricing: The premium was fair. Not the cheapest, but also not overpriced.
- Discounts: They offered me a safe driver discount and a multi-policy discount when I bundled with home insurance.
- Claims Process: I filed a small claim after a fender bender. The process was smooth and professional. The adjuster called me within 24 hours, and I got my payment quickly.
Overall, I’d say their auto insurance is reliable for anyone who doesn’t mind working with a regional company instead of a national giant.
Encova Home Insurance Review
For my home insurance, I wanted solid protection against storms and unexpected damages.
- Coverage Options: Encova’s policies included all the standard protections—dwelling, liability, and personal property.
- Flexibility: They allowed me to add on coverage for valuables like jewelry.
- Customer Experience: When I had a roof inspection done, Encova worked directly with the contractor. That saved me a lot of stress.
Honestly, this part of my Encova Insurance review impressed me the most. Their home coverage felt very comprehensive, and the support staff were extremely responsive.
Customer Service: Is Encova Easy to Work With?
This is one area where I felt Encova shined. My personal take:
- Availability: Calls were answered quickly, and I wasn’t transferred a dozen times.
- Friendliness: Their agents seemed to genuinely care about my situation.
- Follow-Up: After my auto claim, they called me to check in—not something I’ve experienced with bigger companies.
I’d give customer service a solid 9/10.
Encova Insurance Reviews from Other Customers
While my personal experience was positive, I also looked at what other people had to say. Here’s a summary:
- Positive Reviews: Many customers praised their local agents and fair claims handling.
- Negative Reviews: Some mentioned that their online tools (website & mobile app) aren’t as advanced as competitors.
So if you’re very tech-dependent, that might be a drawback.
Pros and Cons of Encova Insurance
✅ Pros:
- Local, personalized service
- Fair pricing with discounts available
- Strong claims handling reputation
- Good bundling options
❌ Cons:
- Limited online tools compared to bigger insurers
- Not available in every state
Is Encova Insurance Worth It? My Final Verdict
From my own experience, Encova Insurance is worth considering if you value:
- Reliable coverage
- Fair premiums
- Strong, human-centered customer service
If you’re the type who wants a fully digital experience, you might prefer a bigger national insurer. But if you like the personal touch of a mutual company, Encova is a solid choice.
FAQs About Encova Insurance
1. Is Encova Insurance expensive?
No. From my experience, their rates were competitive—especially with discounts.
2. Does Encova have good customer service?
Yes, their local agents were responsive and professional, much better than my past experiences with big-name carriers.
3. How easy is it to file a claim with Encova?
Very easy. My auto claim was handled quickly, and I got paid without hassle.
4. Is Encova Insurance available in all states?
No, Encova focuses mainly on certain regions, so availability depends on your location.
5. What do other Encova Insurance reviews say?
Most customers are happy with the claims process but wish Encova had a more advanced mobile app.
6. Would I personally recommend Encova?
Yes, especially for auto and home coverage if you like personalized service.
Conclusion: My Honest Encova Insurance Review
After personally trying Encova for both auto and home insurance, I can confidently say that they are a trustworthy option. While they may not have the flashiest technology, their claims handling and customer support are top-notch.
If you’re looking for a company that treats you like a person and not a policy number, Encova is worth a try.
(This experience was shared by one of our community members. You’re also welcome to share your own experience — just send it to us by email or through our Contact Us page, and we may publish it to help others benefit from your insight.)
