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.

Property Damage from Sewage Backup: Legal Options, Advice and More

Property Damage from Sewage Backup: Legal Options, Advice and More

Property Damage from Sewage Backup: Legal Options, Advice and More Having sewage backing up into your basement and on your property is the type of disaster that no homeowner or business owner ever wants to face. Unfortunately, these types of things can and often do happen. When such a problem strikes, knowing what to do next can be overwhelming. InRead More…

Savings and Benefits: Financial Planning for the Disabled

Most of us need to financially plan ahead  for an uncertain future that could include the need to save for special medical services and long-term care. These are expensive propositions that require a plan of attack, preparing, and saving well in advance. For disabled individuals, the likelihood of long-term care means preparing for anticipated bills and special living expenses. SimplyRead More…

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