Ironically, sometimes we get this question via chat when someone is already halfway through the quoting process. Can I buy renters insurance online? The answer, of course, is yes. On the other hand, there’s a very good reason that people wonder if it’s possible to buy California Renters Insurance without calling or going somewhere.
Once upon a time, an evil minion whispered an evil idea into the ear of a very evil man. That man was Vladimir Leadgenerationov. What Comrade Leadgenerationov did was take advantage of the fact that, in the early days, no one really trusted the internet. That included the people who make decisions at insurance companies. In the mid-nineties, there was zero chance that an insurance executive was going to expose their internal systems to the big, bad internet.
Also remember that in those early days, things looked… well, ugly. Web 1.0 was terrifyingly ugly, as a matter of fact, by today’s standards. If you’d like an example, you can go to www dot bellads dot info – please note that we’ve intentionally not linked the page, as doing so would be a violation of intergalactic law. In addition, please note that there are numerous auto-play audio files all at once in addition to the terrible visual. But that’s sort of what web design looked like back then. Can you blame people for not trusting it?
Mr Leadgenerationov realized that the insurance companies weren’t going to give a website direct access to their systems to be able to quote and buy renters insurance online in real time, or as close to real time as you could get at 14,400 bits per second. Instead, good old Vlad the Leadgenner decided that he would collect information from people and sell it to as many insurance agents as he could possibly find. He’d advertise it as buying renters insurance online, because who would argue with him – there wasn’t a direct way to do it at the time. But he wasn’t selling insurance online, he was selling your information to people who sold insurance.
Rumor has it that Vladimir Leadgenerationov met his untimely end – got what he deserved, some might even say – on a bridge at the wrong end of a poison-tipped umbrella, but if anyone knows for sure they’re not talking. What we do know is that for many years, lead generation was a new craze on the internet and people worked as hard as they could to get as much information as possible from you so that they could sell it to insurance agents. Lots and lots of insurance agents. Then three months later, they’d sell the list again to a different set of insurance agents as “cold leads” – people who had thought about buying insurance but never came through. Then in another few months… You get the idea. Vlad The Evil had a good game going, at least as far as making money went.
But it was a terrible game if you wanted to buy insurance of any kind online. Sometimes the site would even promise that they actually sold insurance, but alas you still got tons of phone calls. Phone numbers have always been an important source of identity to Americans, and they are loath to change them, but some lead generation companies were so bad that you had no choice. Woe to the poor soul who got your old number when it was recycled, though! The calls just kept coming.
Somewhere along the line, insurance companies realized that was a terrible way to do business and started to open up their systems to allow you to buy renters insurance online, little by little. But insurance is a slow business to change, so the process looked to you about as cumbersome as it would look to the agent who does it every day, asking for a ton of information you might not know, or might not want to give out.
Then came the day when someone said “No longer shall I suffer under the slings and arrows of outrageous phone calls! For today, a new wind is in the air, and a new way of buying renters insurance online shall be born!” Though he looked a bit silly when he made the “new idea” face and pointed his finger into the air, as caught on film to the right, Effective Coverage CEO Eric Narcisco knew that there had to be a better way.
That better way is what became Effective Coverage. You no longer have to give up a ton of information or wait for a call back to buy renters insurance online. You won’t get a call back unless you ask for one, as a matter of fact. Your information is not being sold, you’re dealing directly with the insurance provider.
When you buy an online renters insurance policy with Effective Coverage, you’re piped directly into the underwriter’s systems. You let us know who you are, where you want coverage, and how much coverage you want. Seconds later, you’re offered a price. If you like it, you can be covered just seconds later! The entire process can be completed in under a minute, for those of you who are timing it.
Yes, you can buy renters insurance online, in Santa Monica or just about anywhere else in America. It’s easy, it’s fast, and it’s more affordable than you think. What does renters insurance cost, on average, from Effective Coverage? About fifteen bucks a month is the national average. If you prefer alternate units of measurement, how about one pizza delivery? Or two six-packs? Or a pack and a half of cigarettes if you live in New York state, two or three packs if you live in Florida. If you prefer more socially acceptable comparisons, less than a container of generic baby formula. Less, even, than the entry fee to a 5k charity run. The point is, buying renters insurance online is one of the most affordable and easiest steps you can take to protect your family from a wide variety of perils and risks.
Now of course, you know that there was no Vladimir Leadgenerationov. He’s an amalgamation of a number of people who did bad things by making people think they could buy insurance online back when it wasn’t possible, and who are responsible for years of telephone spam that people have had to suffer through. And that wasn’t a picture of Eric Narcisco, though he does sometimes have a similar facial expression when he gets a good idea. But we also wanted to make the point that insurance doesn’t have to be dry and boring. It can be fun, it can be exciting, and it can even be easy!
To find out more about how you can buy renters insurance online, just call (800)892-4308 or click to get covered - whether you need California renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
What's Your Style?
- Do You Need Coverage ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the California Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our video guide below.