Effective Coverage

Insurance Experts For Renters

"Home is the nicest word there is."

-Laura Ingalls Wilder

Auto Insurance Is Mandatory, Why Isn’t Personal Liability?

Those least likely to have coverage are those with the least to lose and the least likely to care. 2015 will be the Year of the Crisis of Responsbility. Is there a solution, or is America hurtling towards a social cliff where we have no choice but to absorb injury caused by others with no recourse? Read more…

Top Ten Reasons Not To Buy Auto Insurance Where You Get Your Oil Changed

Auto Insurance: Top Ten Reasons Not To Buy Oil Changes And Auto Insurance At The Same Place

We saw the news recently, just like you probably did, that you can now buy auto insurance from big box retailers. Convenience is generally a positive thing, but we have some concerns. So we came up with a list of the top ten reasons not to buy your auto insurance from the same place you get your oil changed.

1. Greasy motor oil fingerprints all over your auto insurance identification cards. Try explaining why your insurance card isn’t legible because they dropped it in the drain pan! Read more…

Honda Odyssey Recall - Fuel Pump Fire Risk

Honda Odyssey Recall – Auto Insurance Bulletin

A new Honda Odyssey recall affects 2005-2010 models, and pertains to a fuel pump cover which can leak and cause fires unexpectedly. This critically dangerous flaw puts you and your family at risk! Learn how to protect yourself and what steps to take NOW. Effective Coverage offers no-charge insurance reviews for owners of affected vehicles. Read more…

After An Uninsured Driving Accident

Uninsured Motorist Epidemic

The uninsured motorist epidemic affects everyone. Higher premiums, more risk, carriers pulling out of states, unreimbursed medical expenses, the list simply goes on and on. Did you know that you can protect yourself against this scourge, usually for just pennies a day? Learn about the one and only way to keep your family safe! Read more…

One Simple Car Insurance Trick To Save You Money

One Simple Car Insurance Trick To Save You Money!

This isn’t going to be like the ads that start with “One simple trick to…” No, we have actual, useful information to provide because we hate having our time wasted as much as you do! Enough, already, have the parts of the trick: Read more…

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

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FAQs about your stimulus check

Last week the U.S. government signed a $2 trillion stimulus package, including a stimulus check payment.  The hope is that these stimulus checks will help individuals, businesses, and families who are struggling due to a loss of income until the spread of the coronavirus slows down, and formerly closed workplaces can reopen. How much money am I getting in myRead More…

Everything You Need To Know About Your Lease Renewal

Most of us blindly sign our lease renewal as quickly as we ‘Accept Terms & Conditions,’ on an app, but did you ever wonder what they could be sneaking into the fine print? Make sure to do your research about what other landlords are charging for similar apartments in your area, and consider the hassle of moving when thinking aboutRead More…

How to Decorate Your Apartment Without Damaging Your Walls

 It can seem downright impossible to know how to decorate your apartment walls without damaging them! Nothing is more frustrating than removing your wall decor to find irreparable scuffs and scratches on the walls. Some apartment complexes consider these damages to be somewhat ancillary and repair them with no additional charge upon your moving out. However, the majority of apartmentRead More…

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