Effective Coverage

Insurance Experts For Renters

"Home is the nicest word there is."

-Laura Ingalls Wilder

Affordable SR-22 Insurance

What is an SR-22? Why Do I Need It?

What is an SR-22? Have you been notified that you need an SR-22? Are you trying to get your license back but need insurance? Effective Coverage has affordable solutions for auto insurance even if you don’t have a car! Read more…

In auto insurance, what does "full coverage" actually mean?

What Does Full Coverage Mean?

Let’s face it, when it comes to auto insurance policies, sometimes there are terms that read like thousand year old latin. Terms like “full coverage”, “comprehensive”, “limited tort” and “deductibles”? If only someone could make sense of all this car insurance lingo. Read more…

Effective Coverage BBB Business Review

Read the latest articles from the blog.

Photograph of a woman in a beige jacket pointing to a home insurance application. She stands in front of a plain white background.

Does your credit score affect your home insurance cost? If yes, how?

Did you know that your credit score affects home insurance cost? It’s a common notion that a person unable to manage his or her finances is a relatively higher insurance liability, too. So, insurance companies usually offer home insurance coverage at a higher rate for people with a bad credit history. What is a credit-based insurance score? Insurance companies usuallyRead More…

Image of 3 windows in a beige-colored bedroom decorated in a scandinavian style with 3 large green plants.

Does Renters Insurance Cover Me or My Community?

Have you just signed a lease on a new rental property? If so, congratulations! Are you asking yourself “does renters insurance cover me or my community ?” If so, the next step you should take is to get renters insurance. A common misconception people have when they choose not to get renters insurance is they believe they don’t need itRead More…

7 Mistakes to Avoid When Remodeling Your Laundry Room

Remodeling your laundry room can be a fun process, whether it includes replacing a top load washer or dryer, repainting the room, redecorating or doing a total renovation of the space. But when completing a project like this, questions may arise and things can pop up that you didn’t expect- leading to financial consequences or even a need to alterRead More…

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