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.

100,000+

Policies Issued

30M

Seconds Saved

600,000+

Certificates Tracked

16%

Average Savings

$2.7M

Claims Paid
Effective Coverage BBB Business Review

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6 benefits to encouraging a work-life balance

6 Key Benefits to Encouraging Work-Life Balance at Your Company

Many people talk the talk about work-life balance, but it can be hard to walk the walk. There are many benefits to maintaining a healthy life inside and outside the walls of your company. But in a culture that values busy schedules, sometimes work priorities supersede non-work and this can leave employees feeling drained and unmotivated. Here are six keyRead More…

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