Effective Coverage provides the multi-family housing industry with the tools to succeed in meeting their Tenant Risk Management initiatives. From satisfying the insurance needs of residential tenants, to protecting property owners with comprehensive risk management solutions, we are designed to be a leader in the industry. This position is demonstrated by our state-of-the-art insurance management system that affords residents exceptional coverage at a great price, and property owners the peace of mind that their residents are protected in the event of a loss. The firm was founded with great respect for the value that experience brings to business. On average, our principals possess over 15 years of experience in the insurance industry. Our experience has allowed us to deliver best practices with a high level of individualization. This, in turn, leads not only to our success but also to that of our clients. Most importantly, as a closely-held independent firm we answer to our clients, not to outside investors. This structure allows us to deliver on our commitments to client advocacy, integrity, and innovation.