Encova Insurance for Personal Lines
Bloss & Dillard can now offer you more than just your E & S needs. We now have access to write your standard personal lines risks with Encova Insurance. They offer homeowners, dwelling fire, personal auto, and umbrella. They offer multiple discounts under each program.
Homeowners & Dwelling Fire: They offer coverage for HO-3, HO-5, HO-6, and HO-4 for the homeowner’s program. There are countless endorsements that can be added to better fit your needs. For the dwelling program, they offer coverage on a basic (DP-1) and special form (DP-3). Builder’s Risk are acceptable under the dwelling program. Once complete, they can be moved to the homeowner’s program. Prior insurance is required. Only one loss in the last 5 years. The roof must be updated in the last 20 years. Higher value homes are acceptable.
Personal Auto: Private passenger auto offers many discounts as well as endorsements and coverages. Some discounts include, anti-lock brake, anti-theft, student away at school, newlywed, and passive restraint. New coverages available include, roadside assistance, better car replacement (5 model years or less), full safety glass, plus more. There are optional endorsements that can be added for accidental airbag deployment, low speed vehicles, laptop replacement cost, key replacement, and many more. No driver can have any major violations or a suspended/revoked license in the last 5 years. Minimum limits of liability are $100/$300/$50. No excluded drivers acceptable.
Personal Umbrella: Limits up to $10 million are available. Uninsured and underinsured motorists’ coverage with a $1 million liability limit is offered. Some of the optional endorsements include, assisted living care liability, excess business pursuits, and excess home business liability.
Bundling is preferred, but please give us a call with any additional questions you may have. We look forward to working with you!
