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.

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Which Wedding Website Should I Use? A Guide for Brides

      Did you get engaged during the holidays? If so, then first of all – congratulations! Here’s hoping your engagement is as enjoyable as possible and that you’ve been blessed with a laid-back mother in law!    Whether you’re throwing a wedding for 250 people or a more intimate affair for close friends and family, there are manyRead More…

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The Origins Of Valentine’s Day

  Valentine’s Day. An $18.6 billion dollar holiday in the United States second only to Christmas. As some of us anticipate a giddy day filled with flowers and heart-shaped boxes of chocolate, others of us dread stuffing 35 hypoallergenic lollipops into gift baggies for everyone in their child’s third-grade class. At any rate, the hope is that we all findRead More…

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10 Best Dog Breeds for Apartments and Why

Thinking about adding a fur baby to your family? Those wagging tails and puppy eyes can quickly make you forget about the logistics of owning a dog; logistics that get even more complicated when your home is an apartment. If your dog were to bite or otherwise injure someone, you would be legally responsible for that person’s medical costs. Luckily,Read More…

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