Effective Coverage

Insurance Experts For Renters

Your Coverage Partner

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
Effective Coverage BBB Business Review

Read the latest articles from the blog.

Photograph of a woman in a beige jacket pointing to a home insurance application. She stands in front of a plain white background.

Does your credit score affect your home insurance cost? If yes, how?

Did you know that your credit score affects home insurance cost? It’s a common notion that a person unable to manage his or her finances is a relatively higher insurance liability, too. So, insurance companies usually offer home insurance coverage at a higher rate for people with a bad credit history. What is a credit-based insurance score? Insurance companies usuallyRead More…

Image of 3 windows in a beige-colored bedroom decorated in a scandinavian style with 3 large green plants.

Does Renters Insurance Cover Me or My Community?

Have you just signed a lease on a new rental property? If so, congratulations! Are you asking yourself “does renters insurance cover me or my community ?” If so, the next step you should take is to get renters insurance. A common misconception people have when they choose not to get renters insurance is they believe they don’t need itRead More…

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…

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