Justin was very friendly and helpful… Justin was very friendly and helpful with getting me a lower quote for my renters insurance.

No support when actually needed Someone shot at our home from the outside and ran away. Nobody was hurt but a television was damaged. This insurance company did not cover our damages and said since it’s vandalism it’s up to us to replace our damaged belongings.

Shady Business Practices Interesting that it says this page was claimed by Effective Coverage in January 2017 and the first two reviews were on January 3, 2017. I believe this company is using the classic tactic of leaving their own disingenuous reviews to increase their rating. If actual customers were doing the reviewing, the rating would be much lower. Now on to my story. Never in my life have I been so fed up with a company. Effective Coverage had been routinely billing us for not having renter's insurance despite my policy with American Family being active since June. They agreed to refund each month when I first called, but only credited me $15 for a single month's worth of fees. When I called back they not only said they can't refund anything else, but they made me send proof of insurance AGAIN or else they would continue charging me the fee. This makes three times now that I have sent them proof since June. These people only care about nickel and diming you - and purposefully make things difficult so they can continue to do so. They must be cheap for landlords to work with because I don't know why else anyone would use this garbage company.

Excellent! The Gentleman that helped me was very quick, and with no hesitation was extremely helpful and did the adjustments needed, and promptly emailed the new changed to me! I'm VERY HAPPY WITH MY SERVICE TODAY!! THANK YOU!!!

company is no longer in business Pretty sure the company is no longer in business. You can't get insurance on their website and their phone number no longer works.