Encova makes it easy to pay your premium by offering several convenient options – from immediate, one-time credit card payments to our recurring payment program that automatically applies premium payments to your checking account or credit card.
Personal insurance policyholders, please have your account number ready, and commercial insurance policyholders, please have your policy number ready. Note that all payments made after 2 p.m. ET will be processed the following business day.
We accept Visa, MasterCard and Discover credit cards.
One-time payments for personal insurance policies and commercial insurance policies can be made with a credit card, debit card, or checking account. Commercial lines insurance policy down payments are also accepted.One-time Payment
Pay By Phone
Use our automated system anytime to make a payment over the phone using your credit card, debit card or checking account.866-739-7998
Pay By Mail
Mail your payment to the following address. Make checks payable to Phenix Mutual Fire Insurance Company.
P.O. Box 2108
Charleston, WV 25328
P.O. Box 182155
Columbus, Ohio 43218