Payment Options
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 Payment
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 PaymentPay By Phone
Use our automated system anytime to make a payment over the phone using your credit card, debit card or checking account.
866-739-7998Pay By Mail
Mail your payment to the following address. Make checks payable to Phenix Mutual Fire Insurance Company.
Personal policies:
Phenix Mutual
P.O. Box 2108
Charleston, WV 25328
Commercial policies:
Phenix Mutual
P.O. Box 182155
Columbus, Ohio 43218