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.

Image source: Nicolas Huk flickr.com

Tips for Moving with Your Family, Stress-Free

Guest Post: Moving is stressful. Moving with your family can be even more stressful. How do you pack up and move your whole life without losing your mind? Read our guest blog article for some tips for moving with your family, stress-free. Read more…

Learn how to identify water damage in your home.

Identifying and Dealing With Water Damage In Your Home

Guest Post: Water damage can be a sneaky thing. Even after you’ve mopped up a spill it’s hard to be sure that some water didn’t collect somewhere gathering spores until – gasp! – mold starts to appear as if from nowhere. Read on to identify how to deal with water damage in your home. Read more…

Fresh springtime recipes to dazzle your palate.

Fresh Springtime Recipes To Dazzle Your Palate

Do you have a garden or potted vegetables? Spring is the best time to make use of fresh, nutrient-dense produce. It’s the season where everything starts to grow and thrive again. After doing Friday’s workout, reward yourself with one of these delicious and nutritious recipes.  Shake off the heavy foods of winter with one of these zippy springtime dishes, guaranteedRead More…

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