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Important Update for Secura Insurance Policyholders

Transitioning to Encova Insurance with Ease

On October 20, 2023 Secura Insurance announced that they are exiting the personal insurance market. As of 2/1/2024 they began non-renewing business outside of Wisconsin, while on 1/1/2025 they will begin non-renewing business in Wisconsin.

As your renewal is quickly approaching, it's a good time to review your insurance coverage needs with us. To better serve you, we will move your personal lines policies to Encova Insurance at your upcoming renewal. Encova is rated A (excellent) by AM Best and is a key partner for our agency. We are confident you will be pleased with this transition. You will receive your new policy documents approximately 45 days prior to your renewal date. If you have questions, please use the information on this card to contact us directly.

R&R Insurance is here to support you during your policy’s transition to Encova. You can contact us at 262-953-7000. 

Frequently Asked Questions

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Frequently Asked Questions

Why is Secura Insurance exiting the Personal Lines Insurance Market?

The home and auto insurance business has been challenging in recent years. Increased costs of labor and materials along with several bad midwestern storms and rising re-insurance costs (insurance for insurance companies) has put Secura in a spot where they believe they cannot raise rates enough to be both competitive and profitable. 

For Secura, Personal Lines represents about 20% of their revenue, the remainder being in Commercial and Specialty lines. In short, they made a business decision to focus on where they are having more success.

What will happen to my personal home and/or auto policy with Secura?

R&R will be moving Secura insurance policies to another one of our trusted carriers, Encova Insurance. This an AM Best A-rated (excellent) insurance carrier with strong financials and is a long time partner with R&R Insurance.

Is there anything I need to do?

A member of our Personal Lines Client Service Team will be in contact to obtain a signed cancellation form for your current Secura policy – this can all be done electronically through DocuSign.  If your policy was paid through EFT, we will need to obtain updated account information to establish your automatic payment plan.

How long do I have before my policy expires with Secura?

Secura will officially non-renew Wisconsin policies beginning January 1st, 2025. However, Secura is releasing renewals in 2024 with reduced coverage, higher deductibles, and rate increases as high as 50% or more. As your trusted advisor, R&R has made the decision to transfer your policies to Encova in 2024.

What is Encova Insurance?

Encova Insurance is a super-regional carrier ranked in the top 20 mutual insurance companies in the United States. Based out of Columbus, Ohio they insure over $1 billion in premiums with a surplus in excess of $1.96 billion. They write business in 28 states.

What if my policies aren't a good fit with Encova Insurance?

Although we will make every effort to transfer your policies to Encova, we also partner with over 20 additional insurance companies. If Encova is not a good fit based on coverage and/or price, our team will work with you directly to place your policies with a more suitable insurance company.

Is Secura Insurance going out of business?

No, they are continuing to insure a wide range of commercial businesses including farm, agriculture, and specialty lines. They will maintain their A-rating and continue their other operations.

How do I best contact R&R Insurance with questions on this process?

R&R Insurance is here to support you during your policy’s transition to Encova. You can reach out to your assigned customer service agent or contact us at 262-953-7000. You can also send us an email at PLClientServiceTeam@rrins.com.

"The whole process was very simple. I was able to save a ton of money on my insurance and it required almost zero effort on my part. R&R has been great."

- John Russell

Insurance Products

  • Home Insurance: Protection for your home, condo, townhouse, apartment, or rental home including coverage for property, liability, loss of use, and more
  • Auto Insurance: Coverage your personal autos including luxury, classic, exotic, and track-specific vehicles – liability, physical damage, towing, rental, and more
  • Personal Umbrella: Additional liability limits that extend critical coverage over your underlying liability limits – limits from $1M to $50M+ available
  • Recreational Vehicles: Personalized coverage for your toys - boats, motorcycles, travel trailers, RV’s, snowmobiles, ATVs, UTVs, off-road vehicles, and more
  • Valuable Items: Coverage for high value jewelry, fine-art, sporting equipment, wine, and other valuable items with agreed value and no deductible
  • Cyber Security: Protection against personal cyber risks including cyber-attacks, identity theft, cyber extortion, data breach, phishing, and other modern risks
  • Flood Insurance: Coverage for damage caused by rising waters, seepage, coastal exposure, and other causes of loss excluded on standard policies
  • Medicare: Advice and counsel on Medicare, Medicare Part B, Medicare Advantage Part C, Medicare Part D, and Medicare supplement plans
  • Unique Products and Solutions: Travel insurance, farm and equine, kidnap & ransom, coastal exposure, and other unique and hard to place coverages

Insurance Services

  • Claim Advocacy and Service: Protection in the event of a loss is critical. R&R has dedicated resources to ensure settlements are timely, fair, and clearly communicated. In the event of a denial or disagreement, our Claim Review Services will analyze coverage, review decisions, and advocate on your behalf.
  • Insurance Policy Coverage Review: In-depth analysis and review of your current policies to accurately identify exposures, potential coverage gaps, and unfavorable terms and conditions. We’ll recommend the broadest and most comprehensive coverage forms to properly insure your personal assets.
  • Personalized Client Experience: Clients depend on our responsive, licensed insurance professionals to curate a client experience that is second to none. Our local teams are here to serve – timely contacts, personalized service, routine policy reviews, and open communication across a variety of channels.
  • Client Education and Knowledge: R&R offers industry-leading insights, informational resources, thought leadership, and educational programs. We provide clients with critical and timely topics related to asset protection, risk management, and the role of insurance in their everyday lives.
  • Mobile App and On-Line Portal Capabilities: Digital platforms that allow you to access policy information, view policy documents, view real-time Auto ID Cards, request policy updates, report claims, and contact your assigned representative directly.
  • Global Resources: Specialty risks like family offices, coastal properties, and luxury yachts can present unique exposures and complex claims. Our membership in Assurex Global affords us a partnership with world-wide expertise, local resources, and service capabilities no matter the location.
  • Broad Capabilities: In addition to Personal Insurance, R&R offers asset protection strategies and products for Business, Employee Benefits, and Wealth Management. We’re your trusted resource for all aspects of insurance, risk management, estate planning, and financial security.
  • Insured to Replacement Cost: Reconstruction cost increases are outpacing premium increases by a significant margin. R&R works with you to make sure your home is not underinsured.

Private Client Division

Our Private Client Division is a specially curated program for affluent individuals with considerable wealth. Our tailored insurance programs are designed around homes worth $1M or more, luxury and exotic vehicles, high-value personal property, and high-limit liability umbrellas.

  • High value homes and luxury properties from $1M+
  • Luxury, exotic, collector, racecars, and track vehicles
  • Marine, yacht, off-road, and recreational vehicles
  • High-limit umbrella and excess liability limits up to $50M
  • Hard to place exposures – seasonal, coastal, and international
  • Valuable collections – jewelry, fine arts, firearms, wine, and more
  • Personal cyber including data breach, extortion, and identity theft
  • Travel coverage, special event, kidnap & ransom, and more

Membership in R&R Private Client affords access to exclusive client service plans, expanded personal insurance resources, and an individualized customer experience. Every client is assigned a Private Client Consultant supported by our award-winning Professional Services team and industry-leading digital capabilities.

Explore the capabilities of R&R Private Client and see if you’re a fit by clicking below.

Explore R&R Private Client

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Our Insurance team is made up of over 100 licensed professionals with broad backgrounds spanning across the insurance industry. Our Sales Executives, Customer Service Agents, and Service Associates are ready to serve you with the highest level of knowledge and expertise. We are thought-leaders and offer industry insights and expertise through our interactive Webinars, Seminars, and Blog.

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