Policy Terms
Effective Date
Definition
The date on which an insurance policy begins providing coverage. Claims for losses occurring before the effective date are generally not covered.
In Zach’s Words
“The effective date is when your coverage starts — the clock begins ticking. If your policy's effective date is March 1st and your house floods on February 28th, you're out of luck. This is why we always try to make sure there are no gaps between your old and new policies.”
— Zach Nadler, CIO