Effective Coverage

Insurance Experts For Renters

The Smart Way
To Insure Your Home

Why Effective Coverage?

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Real Live People

Bots are nice and all, but sometimes you want to talk to a real live human. Sure, you can message us, but we understand it's nice to pick up the phone and talk to someone. We have agents available seven days a week for your convenience.

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Bind Online

You want to buy insurance and move on with your day, we get it. That's why we've made it possible to purchase a policy completely online. It's a breeze and you can have a quote in just seconds. We have this capability in over 43 states, and that number is growing.

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Our Customers Love Us

We've been around as a digital insurance provider for over a decade now. In that time we've become seasoned professionals at customer service. Each rave review we get fills us with pride and motivates us to keep innovating. Want to see what we're talking about? Check out some testimonials.

50,000+

Policies Issued

30M

Seconds Saved

600,000+

Certificates Tracked

16%

Average Savings

$2.7M

Claims Paid
Effective Coverage BBB Business Review

Read the latest articles from the blog.

Does renters insurance cover items lost or stolen at the beach?

Beach Theft: Are You Protected?

Summer is here! For many people, this means it’s time to start sunbathing, swimming, barbecuing, and of course, more trips to the beach! Be cautious though, as thieves sometimes think that the beach is the perfect place for easy pickings. Read on for some tips for avoiding beach theft, keeping your items safe, and what to do if your itemsRead More…

Vegetable side dish for a barbecue.

5 Vegetable Side Dish Recipes For A Summer Barbecue

Main course who? With flavors this delicious, our vegetable side dish recipes are sure to be the star of the show at your next barbecue. These recipes are perfect to bring along to any summer party or barbecue. Make the most of summer’s bountiful produce and dive into one of these recipes, guaranteed to satisfy and impress. Best vegetable side dishRead More…

Best Friends Day

Best Friends Day

June 8th is Best Friends Day, the day to honor your bestie! Friends enrich your life in so many ways, and none more so than your BFF. So how will you make your best friend feel special today? Friendship isn’t about who you’ve known the longest. It’s about who walked into your life, said ‘I’m here for you’, and provedRead More…

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