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.

Learn about the best accessories and gadgets for inside your car.

The Best Car Accessories For Everyday Use

If you’re like most Americans, your car is probably very important to you. The average American will spend about 37,935 hours driving a car in their lifetime. So why not make those hours behind the wheel the smoothest ride possible? To make driving an effortless task, we’ve curated a list of some of the best car accessories you can get. Magnets–doRead More…

What To Do After a Car Crash

After a car crash, you may be (understandably) shaken. It’s never a bad idea to brush up on what you should do after a car crash before it happens. If you’re a good (or lucky!) driver, it may have been years since your last car crash. Or if you’re a new driver, maybe you’ve never been in an accident. ButRead More…

When you see the blue lights in your rearview, how does this affect your insurance rate? Depends on the outcome!

How A Ticket or Moving Violation Can Affect Your Insurance

You suddenly wake up with a start. You realize you feel way too rested after tossing and turning all night. You look at your bedside table and realize your alarm never woke you. Late to work again! You don’t want to get fired, so you grab your PKW and fly out the door. You floor the gas. Maybe if you’re lucky, you canRead More…

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