Effective Coverage
Renters and manufactured-home insurance brokerage with a resident-compliance platform for multifamily property managers, operating as LeaseTrack.
Overview
Effective Coverage is a renters and manufactured-home insurance brokerage serving residents and multifamily property operators in the United States and Canada, marketed under the LeaseTrack brand. It operates as BRP Effective Coverage, LLC, a licensed P&C insurance agency (California license #6005688).
The brokerage sells renters insurance in 48 U.S. states and manufactured-homeowners insurance through an online purchase portal. Proof-of-coverage documents captured at the point of sale feed into a companion compliance system used by the property managers whose residents buy the policies. The business began as Effective Coverage after its founder lost personal belongings in an apartment fire and later rebranded its platform as LeaseTrack.
LeaseTrack, the company's compliance and placement platform, gives property managers continuous visibility into resident insurance coverage, flags lapses and duplicate policies, and sends renewal reminders. It connects to property-management software through a partner API program that includes RentManager and reports more than 200 API integrations across 25-plus software partners. Effective Coverage/LeaseTrack is a wholly owned subsidiary of Millennial Specialty Insurance (MSI) and operates within The Baldwin Group (NASDAQ: BWIN); it has a renters-insurance pricing arrangement with single-family rental operator FirstKey Homes.
Products & Services
LeaseTrack Compliance Platform
B2B SaaS platform that gives property managers and owners continuous visibility into resident insurance coverage.
Key Features
- Automated policy notifications to leasing staff
- Continuous coverage monitoring with lapse detection
- Renewal reminders
- Coverage-gap and duplicate-policy detection
- Integrates with property management software through a partner API program, including RentManager
Renters Insurance
Direct-to-consumer renters insurance policies purchased and managed through an online portal, licensed in 48 U.S. states.
Key Features
- Proof-of-coverage upload and certificate tracking that feeds into the LeaseTrack compliance platform
Manufactured Homeowners Insurance
Insurance coverage for manufactured and mobile home owners, sold and managed through the same platform.
At a Glance
- Founded
- 2019
- Headquarters
- Latham, New York, USA
- Employees
- 11-50
Category & Focus
- Category
- Distribution & Sales
- Insurance Verticals
- P&C Personal
- Target Customers
- Consumers
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Last updated: 2026-08-05