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How do customers rate Encova Insurance?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Encova Insurance Ratings and Discounts (Formerly Motorists Mutual)

Who is Encova Insurance?

Motorists Insurance Group and Brickstreet Insurance have merged and rebranded under the name Encova Insurance. By becoming one company, they combine their insights and expand their product offerings, giving consumers a broader range of insurance solutions. Encova sells insurance products through 17,000 independent agents at more than 2,000 agencies in the Midwest, Northeast, and Southern United States. They are now headquartered in Columbus, Ohio, but its agents and agencies are located in 28 states and Washington, D.C.

Motorists Insurance Group and Brickstreet first became affiliated in 2017. For two years, the companies integrated and officially became Encova Insurance in July of 2019. Their combined industry experience is going to help them to emerge as a top provider for insurance.

Motorists Mutual was established in 1928 and is built on the philosophy to put its policyholders first. Brickstreet launched January 1, 2006, as West Virginia's first private workers' compensation carrier. Both companies sold insurance products only through independent insurance agents, a tactic that has transferred to Encova as well. Of course, many consumers want to know if they're really getting better policies and service or just a larger company.

What auto insurance discounts does Encova offer?

Like many other insurance companies, you can get discounts to lower your payments if you meet certain criteria. Not all discounts are available in all states.

  • Multi-Policy Discount: Earn a discount by having multiple policies with Encova, such as your auto and home insurance
  • EFT Discount: Pay your bill with electronic funds transfer to qualify for this discount. Similarly, if you make your entire premium payment at once, you can get a discount
  • Married Professional Discount: Encova offers a discount to married professionals.
  • Empty Nester Discount: This discount is available to families without any kids in the home.
  • Excellent Driving Record Discount: If you have a great driving record, Encova may reward you with this discount on your auto insurance. Keep in mind, this discount expires if you file a claim
  • Good Student Discount: Encova rewards good students by offering them a discount on their auto insurance premium
  • Long-Time Customer Discount: If you are a loyal customer to Encova, you may be rewarded with a discount
  • Driver Training Discount: Save money with this discount by taking a qualifying driver training course
  • Anti-Theft Devices Discount: If your vehicle has appropriate anti-theft devices installed, this discount may apply. Safety features like this reduce the probability that you'll need to file a claim

What home insurance discounts does Encova offer?

As a home insurance carrier, it is important to offer clients ways to save on their personal policies to remain competitive. Here are the ones that Encova has available.

  • Age Of Your Home Discount: If your home is new, you may qualify for a discount on your home insurance with Encova
  • Recent Renovation Discount: This discount is available if you update aspects of your home such as the roof, wiring or plumbing
  • Excellent Credit Rating Discount: Having a good credit score may earn you a discount on your home insurance
  • Bundling discount: If you bundle car and home insurance policies, you could receive a discount

What coverages does Encova Insurance offer?

What coverages does Encova Insurance offer?

Encova offers standard coverages like collision, comprehensive, and uninsured motorist. The company also allows policyholders to customize their insurance packages. For car insurance, Encova offers towing and labor coverage that policyholders can add to their Encova car insurance policy.

  • Towing and Labor: Encova towing and labor coverage reimburses you for the cost to tow your car or for the service to get it running again.

There are also optional coverages you can add to your Encova homeowners insurance policy.

  • Replacement Cost Coverage: Encova offers replacement cost coverage for your furniture and personal possessions. With this coverage on your policy, you'll be reimbursed for the cost to replace any lost or stolen items, rather than the depreciated value of the items
  • Coverage for personal valuables: If you have high-value items like jewelry, furs, silver, golf equipment and collectibles, you can extend your homeowners insurance coverage to make sure these items are fully covered
  • Liability coverage: We often think of our property when we think of homeowners insurance. Encova policies do cover damage to your property. Policies also cover your liability as the homeowner if there's an accident. It could be something like a broken stair, a dog bite, or other personal injuries.

If you need a different type of insurance, here is a list of all products offered by Encova Insurance.

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