Your Coverage Partner For Life

Why Effective Coverage?

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.

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.

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

Enter your name, email, and how we can help you to start chatting with an Effective Coverage representative.
Your Name*
Your Email Address*
How can we help you?
Language