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.

100,000+

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.

7 easy ways for first time homeowners to save money

7 Easy Ways for First-Time Homeowners to Save Money

If you’ve bought a home for the very first time, finances are usually your primary concern. From keeping up with monthly mortgage payments, utility bills, and other costs associated with homeownership, it can be challenging to save money. Below are seven easy ways that first-time homeowners can save money without jeopardizing the look and feel of their new home. EconomizeRead More…

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