Biller name
Encova Insurance
HQ: Columbus, OH
Legal name
Encova Mutual Insurance Group
Website
Deferit is unaffiliated with Encova Insurance
Deferit can pay your Encova Insurance bill, and you pay Deferit in 4 smaller payments.1
Your repayment schedule
- 1 Today
- 2
- 3
- 4
Enter your bill amount to see your payment schedule.
Monthly membership applies, cancelable anytime. All payments incur a processing fee.
How to pay Payment methods Support FAQ
Need to split your Encova Insurance bill into installments?
Retrieved September 2026 · Source: encova.com.
| Encova Insurance payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Encova Insurance's online account, payment portal, or customer support team for available payment arrangement options. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | If Encova Insurance offers payment arrangements, limits are set by Encova Insurance based on your account status. We couldn't verify a published maximum split. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by Encova Insurance at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | Fees and interest were not published in the sources reviewed. Check Encova Insurance's payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a processing fee per payment. No Deferit late fees on Max and Ultra memberships.* |
| If you miss a payment | Missed-payment consequences are set by Encova Insurance and may include late fees, service interruption, or collection activity depending on your account. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | Encova Insurance bills only | Encova Insurance and most other US household bills |
| Learn more → |
*Deferit membership is $14.99 (Lite), $19.99 (Max) or $24.99 (Ultra) a month, plus a processing fee per payment. No late fees feature included with Max and Ultra memberships. Installments on the Lite membership may incur late fees if overdue. See membership terms for details.
Encova Insurance Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 844-362-6821 |
Retrieved September 2026 · Source: encova.com/contact-us · current departmental phone numbers and hours of operation.
About Encova Insurance
Encova Insurance is an insurance company that provides home, auto, and business insurance coverage. The company serves both individual consumers and businesses, offering products such as commercial packages, workers' compensation, personal property and automobile coverage, umbrellas, and identity theft protection.
Encova Insurance bills commonly include monthly premiums, coverage fees, policy administration charges, and applicable surcharges. Deferit is unaffiliated with Encova Insurance.
How to Pay Your Encova Insurance Bill
- Online: Pay online with credit, debit card, or electronic check through Encova's payment portal
- Phone: Call 855-815-0631 to pay using their automated system with credit, debit card or checking account
- Mail: Mail payment to P.O. Box 431, Charleston, WV 25322-0431 with checks payable to Encova Insurance
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Encova Insurance Payment Methods & Addresses
Retrieved September 2026 · Source: encova.com/pay-bill/encova-insurance-pay-bill.
Pay your Encova Insurance bill with Deferit
Pay now and split it into 4 installments, once every two weeks.
Learn more →Common Questions About Encova Insurance
Can I use Deferit to pay my Encova Insurance bill? ›
Yes. Enter your Encova Insurance bill amount in the Deferit app or online, and we pay Encova Insurance directly. You pay us in 4 smaller payments, once every two weeks.
Split this bill in 4What payment methods does Encova Insurance accept? ›
Encova Insurance typically accepts online payments via credit card, debit card, or bank transfer. Visit encova.com or contact their support team for the most up-to-date options.
Does Encova Insurance offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Encova Insurance's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Encova Insurance bill on time? ›
Contact Encova Insurance directly to ask about payment arrangements or hardship assistance programs. Deferit can also help — split your bill into 4 payments to ease the immediate financial pressure.
Updated: September 2026