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Business Profile

Renters Insurance

Effective Coverage

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Renters Insurance.

Complaints

Customer Complaints Summary

  • 12 total complaints in the last 3 years.
  • 1 complaint closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:01/05/2023

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Last Month in DEC 2022 I found I have been getting charged for Renters Insurance $14.50 since June 2022. I asked the Front Office of my apartment complex, and they told me to send proof and I would get a refund for having it. So I sent proof to the email address they sent me on DEC 27 20 and got back that my additional interest is missing or listed incorrectly (we all know that's a money grab because you can still see our address), very next day on 28 DEC 2022 I sent them the one they wanted but still got charged for on Jan 2023. I called 2 times asked for the manager and I asked how do I go about getting my refund? They said we will give you back 4 months but they are technically only allowed to do 3 months so I asked for all 8 months if you can break the rules and give more they said no and they would process the 4 months refund, Then I said no I don't agree with the 4 months refund because I want all of it! I was informed on the 2nd call that the 4 month refund has been approved, I said it better not have been where is the 8 months. It was their and my apartment complex fault that I was not informed about this. Stop Stealing Peoples Money! I have been at this apartment complex for 5 years and never had to submit proof of insurance. Thieves give me my money back, Its mine and not yours.

    Business Response

    Date: 01/20/2023

    Dear ****, 

    This is in response to the complaint filed by **** ***** vs. Eric N******* of Effective Coverage. 

    Please note that this matter has been resolved. 

    Sincerely, 

    Mikki L**

    Business Response

    Date: 02/03/2023

    Dear ****, This is in response to the subsequent correspondence that we received from Mr. ***** on January 30, 2023 regarding the above referenced matter. Please note that Lease Track has communicated with Mr. ***** and that the matter has now been resolved. Sincerely, Mikki L**

    Customer Answer

    Date: 02/06/2023

    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    I got a call from the company and they refunded me everything. Thanks BBB for your help.




    Regards,



    **** *****








  • Initial Complaint

    Date:12/16/2022

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I purchased in a advanced their renters insurance for the year of 2022, which was a little over 200$. Fast forward to nov 2022. I had to suddenly move with my wife to another state & break our lease 2 months in advanced. When breaking my lease I noticed that for the last 10 months I had been being charged for renters insurance, air filters & a garbage bag sittin outside where garbage goes. The entire 10 months I was there .. I bought my own air filters. Not once did they bring or was supplied one. 10 bucks a month. Which is 100$ bucks. I got charged for a garbage bag of garbage 35$ bucks because trash wasn’t collected for another few days. Why am I being charged for a trash bag? Filters y’all didn’t supply & renters insurance I already paid for. I have called multiple times & they lied & said they put it towards my rent every month. IPAID MY RENT EVERY MONTH NOTHING WAS EVERY PUT ON! how could i have been credited every month if you didn’t hear about this till nov 9th 2022. 10 months later. I want my money. That’s over 300 bucks y’all are trying to pull a fast one on & im over it! This company is absolutely horrible!

    Business Response

    Date: 01/13/2023

    Dear ****,

    This is in response to the complaint filed by ******* ***** vs. Eric N******* of Effective Coverage.

    Please note that Lease Track has communicated with the
    complainant and the matter has now been resolved.

    Sincerely, 

    ***** ***

     

Effective Coverage is NOT a BBB Accredited Business.

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