Encova Personal Insurance Review and Ratings (2022)

As a smaller insurance provider, Encova Insurance offers a variety of insurance. However, its most successful line of insurance is its commercial insurance. While there’s detailed information on the Encova insurance website, the company offers specialized protection for several industries. You can also buy personal insurance, including home, car, and umbrella coverage. A.M. Best ranks its financial stability as excellent, and the Better Business Bureau gives it an A+.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 21, 2022

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The Rundown

  • Encova is a small insurance company that specializes in personal and commercial insurance
  • A.M. Best gives Encova an A-, the Better Business Bureau gives it an A+, and the NAIC reports that Encova has a complaint ratio of 0.018.
  • Encova generally receives positive ratings, though many customers dislike the fact that there is no mobile app

While it may not be the largest insurance company in the country, Encova Insurance has a reputation for solid service and great products.

Originally called Motorist Mutual, Encova focuses on personal and business insurance, but they offer much more. While Encova has a lot of happy customers, you’ll need to check if you can become one of them since this company operates in only 25 states.

If you’re interested in affordable Encova insurance quotes, you should compare prices with other companies to save as much as possible. Enter your ZIP code into our free tool to see what rates might look like for you.

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 big satisfaction. Most online reviews for the company are positive, with a majority of customers saying they plan to continue their coverage with Encova.

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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, 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 insurances 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 really shines.

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

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

Encova also specializes in five different industries, in which they promise to have thorough knowledge, 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.

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 next to the customer login, so be sure not to click on it by accident.

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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 with as many companies as you can. Enter your ZIP code into our free tool to see what rates might look like for you.

Reviews
for Encova Insurance

3.80 (24 reviews)
5
July 31, 2019

Tthom

Good company

I never had any issues with the company. Good service, good customer services and prices are fair.
4
March 8, 2018

paguy

Happy

The customer service with this company is great. They are getting alittle ridiculous with their price anymore though.
4
January 7, 2018

ChrisPlatfoot

Motorist Mutual and their commitment to their customers

I have been with this company a long time for both home and auto. They have helped me through the years with accidents, changing homes and autos. Very good customer service and personal agents that are eager to assist you. I would highly recommend them for all your needs.
5
December 21, 2017

MeToo

Great Customer Service

Motorists is great. Their premiums are reasonable and when involved in an auto accident, they handled it quickly and professionally.
4.5
November 6, 2017

zzracer

Switched from Auto-Owners

Just started with this Co.They came Highly recommended from the Agency that I had Auto-Owners through
5
October 8, 2017

Swmaitlen

Affordable and Reliable

Positive experience using this company.  The rates are extremely reasonable and adding renter's insurance lowered the rate. 
5
October 4, 2017

anjiallen

Low rates, great customer service

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!
5
July 24, 2017

Debedgar

Great Insurance

I have only had 1 claim and that was 12 years ago. I had no troubles. My cost has gone up minimally all the years I have been with them.
5
July 24, 2017

amckenna3

Excellent service

Whenever I have an issue, Leda is pleasant and professional to speak with. She takes care of all of my concerns on the first call.
5
July 7, 2017

paguy

NO HASSLE

OUR AGENT CAME TO OUR HOUSE TALKED US THROUGH OUR OPTIONS AND MADE IT VERY EASY TO UNDERSTAND. i HAVE NO COMPLAINTS WHAT SO EVER.
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