Effective Coverage provides renters and auto insurance solutions brokerage services online. 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. Eric Narcisco founded it in 2007, with its headquarters in Jersey City in New Jersey.