Homeowners Insurance
We provide home insurance solutions for underserved, catastrophe-exposed areas along the Atlantic and Gulf coasts. Reliable coverage backed by highly-rated insurance company partners.
Solving the Insurance Challenge for Higher-Risk Areas
Homeowners in many coastal states are finding it increasingly difficult to secure coverage. Effective Coverage and our highly-rated insurance company partners are solving this challenge, providing reliable admitted HO3 coverage in states along the Atlantic and Gulf coasts.
We offer up to $1.5 million of dwelling coverage, varying by state, for single-family primary, secondary, or rental homes. For high-quality properties, we won’t shy away from coastal and other areas with high catastrophe risk.
We also provide flexible coverage options, including a wide range of deductible levels to help manage premiums effectively.
Program Highlights
Our homeowners insurance solutions are designed to accommodate a wide range of property types and ownership structures.
- Single-family primary residences
- Secondary and vacation homes
- Rental properties
- Properties held in LLC or trust
- Coastal and high-risk areas welcome
- Some age restrictions may apply
Availability
- Nationwide
Coverage Highlights
- Property: Up to $3 million
- Liability: Up to $1 million
- Several deductible options up to $1 million
- Cover properties in the name of an LLC or trust
- Optional flood coverage available
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Let Us Show You How Easy It Can Be
Our homeowners insurance expertise and advanced technology make it easy to deliver peace of mind for your home. To start a quote, click the button below or contact us.
Product availability through Effective Coverage may vary by state.