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

Read the latest articles from the blog.

10 Ways to Update Your Outdoor Space this Summer

For many homeowners, the porch, patio or backyard is the place where all the action happens in the warm-weather months. It’s where we enjoy bonfires, family dinners and quality time with kids and pets. But, for the simple fact that it’s seasonal, our exterior living spaces don’t get nearly as much love as our indoor ones do. A couple of small, affordableRead More…

The Ebb and Flow of the Real Estate Market

It doesn’t matter if you’re buying or selling, the real estate market can be confusing. It changes day by day, week by week; the home that you buy at one price can become a completely different value only a few years later. There are many components involved in real estate, and today we’re partnering with Restumping Melbourne to discuss. RestumpingRead More…

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