We are pleased to partner with Effective Coverage to offer industry leading insurance coverage for your rental property. Effective Coverage has tailored their program to offer residential renters the peace of mind to protect your belongings and financial well-being.
All insurance is offered through Effective Coverage. a licensed insurance agency. Birch Management is not acting in the capacity of an insurance agent in this offering. Birch Management does not sell, solicit, or negotiate insurance. Please find details below of the program and how it can help you. All insurance specific information has been provided by Effective Coverage, who are avaiolabto answer your questions 7 days a week.
|Renters Contents Coverage||Coverage|
|Personal Property Contents||$10,000 & up|
|HO4 Contents (Broad Form)||Included|
|Additional Living Expense Limit||$2,000 & up|
|Deductible (per location per occurrence)||$500|
|Renters Liability Coverage||Coverage|
|Each Occurrence Limit||$100,000 & up|
|Damage to Property of Others||$1,000|
|Medical Pay Limit||$1,000 & up|
Here are a few of the Effective Coverage renters insurance program benefits:
Personal property located somewhere other than the "residence premises" covered at 10% of the limit of personal property contents, or $1,000, whichever is greater.
There are 2 different perils. Damage caused by a leak or overflow originating from inside of the property (water damage) may be covered. Damage caused by water entering the property from outside due to a rise in water (flood), is not a covered peril and requires a separate policy.
Coverage is available for personal property owned or used by you while it is anywhere in the world.
Monthly costs will be billed and collected by Effective Coverage
The cost is depedent on the coverage that you select and the rates are typically less than $15.00 per month!
There are no fees if you maintain adequate coverage on file.
Sign up is very simple- just visit the dedicated Birch Management Effective Coverage web page. The decision to offer coverage and all claims related determinations are made exclusively by Effective Coverage. All questions regarding coverage should be directed to Effective Coverage.
As with any insurance coverage, if you do not pay your premiums, coverage will terminate.
In the event that your coverage is terminated, either by the carrier or you, there will be additional rent of $10.00 per month added to your account as a non-compliance fee.
As mentioned above, if your coverage is terminated there will be additional rent of $10.00 per month due. The additional rent will go to Birch Management as an adminstrative fee.
The additional rent payment of $10.00 per month does not provide you any insurance coverage. Therefore, you would have no liability or contents coverage, leaving you personally liable.
The coverage is offered through Effective Coverage by an A.M. Best "A" rated insurance company. Click here for more details on Effective Coverage. Effective Coverage can also be contacted via telephone at 800-892-4308, via fax at 800-892-4308, or via mail at 1809 Western Avenue, Albany, NY 12203.
All questions regarding the actual coverage must be directed to Effective Coverage. Here is their contact information: 17 British American Blvd, Avenue, Albany, NY 12110, telephone 800-892-4308, fax at 518-347-9030.