Effective Coverage

Insurance Experts For Renters

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For Life

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.

500,000+

Policies Issued

30M

Seconds Saved

1,000,000+

Certificates Tracked

16%

Average Savings

$2.7M

Claims Paid
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Read the latest articles from the blog.

7 Mistakes to Avoid When Remodeling Your Laundry Room

Remodeling your laundry room can be a fun process, whether it includes replacing a top load washer or dryer, repainting the room, redecorating or doing a total renovation of the space. But when completing a project like this, questions may arise and things can pop up that you didn’t expect- leading to financial consequences or even a need to alterRead More…

Two small children look through a glass door into the out of focus outside world.

How to Maintain Your Sanity While the Whole Family is Stuck at Home

Stuck at home? COVID-19 has forced individuals and families into quarantine, and for some of us, this means a very full house. Whether you are lucky enough to be able to work from home, or you’re all inside because of quarantine mandates, it may be testing your patience to the max. Read on for our top tips for maintaining sanityRead More…

Memes to help you laugh instead of cry about the coronavirus

10 Coronavirus Memes to Help You Laugh Instead of Cry

The Coronavirus is no laughing matter, but sometimes you just need a good laugh instead of a bad cry. We don’t want to belittle what is going on around us, but even many of the world’s best comedians use humor to overcome depression. Hopefully, these coronavirus memes will bring you some light amongst all of the darkness. 1. We areRead More…

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