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E Renters Insurance Review (2022)

Protect your personal belongings from damage and your bank account from liability payouts with a renters insurance policy from eRenterPlan. Keep reading to learn about the company’s coverage, cost, and customer service.

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eRenterPlan offers renters insurance policies to rental properties across the country. Your landlord must partner with the company to be eligible for a policy, but if you’re eligible, you can get coverage in under 15 minutes for about $15 to $20 per month. Read our eRenterPlan renters insurance review below to see if this company provides the best renters insurance coverage for you.

Pros and Cons of eRenterPlan

Pros Cons
Pros Cons
Offers insurance coverage for you and up to four roommates under one policy Only available through select rental properties
Provides coverage for all dog breeds Doesn’t have a 24/7 claims center
Doesn’t require extensive personal information for a quote

eRenterPlan Coverage

A renters insurance policy from eRenterPlan will come with protection from the following events:

  • Theft
  • Vandalism
  • Fire
  • Lightning
  • Wind
  • Hail
  • Fallen objects
  • Damage from vehicles
  • Smoke
  • Civil commotion
  • Water damage

Note: This isn’t a complete list of covered perils. Read the terms and conditions of your policy to find out what other items are covered.

An eRenterPlan policy will come with three types of coverage:

  1. Personal property—If your belongings are damaged by one of the events listed above, eRenterPlan will pay to replace these items. All policies are replacement cash value (RCV), which means the company will give you enough money to cover the entire cost of replacing your items with new ones.
  2. Liability—If you’re responsible for injuring someone or damaging their property, this part of your policy will pay for the medical bills, replacement costs, and legal fees.
  3. Medical payments to others—If a guest is injured in your apartment or rental home, your policy will pay for their medical bills.

Depending on where you live and who writes your policy, you may also get loss of use coverage that will cover living expenses if your apartment is damaged and you have to live elsewhere during repairs.

Here are some eRenterPlan coverage options available in North Carolina:

eRenterPlan Coverage Amounts

Area of Coverage Amount Range
Area of Coverage Amount Range
Personal property $0–$50,000
Liability $100,000
Medical payments to others $1,000
Deductible $250

Note: When selecting your apartment complex, the eRenterPlan website automatically fills in the amount of personal liability coverage that’s required by your landlord. You may have a lower or higher liability amount depending on where you live.

eRenterPlan Additional Coverage

You can add these endorsements to your policy for an additional amount each month:

  • Pet damage
  • Jewelry theft
  • Earthquake protection
  • Water backup

How Much Does an eRenterPlan Policy Cost?

eRenterPlan advertises policies that cost $15 to $20 per month. To confirm this price, the This Old House Reviews Team visited the website for an insurance quote.

When you get a quote from eRenterPlan, you are given three potential policies that have differing personal property coverage amounts. If you don’t want the coverage amounts selected in these packages, you can create your own policy.

eRenterPlan Cost

Area of Coverage Good Package Better Package Best Package
Area of Coverage Good Package Better Package Best Package
Personal property $20,000 $30,000 $40,000
Liability $100,000 $100,000 $100,000
Medical payments to others $1,000 per person $1,000 per person $1,000 per person
Deductible $250 $250 $250
Monthly cost $16.66 $20.16 $23.16

To determine if you have access to an eRenterPlan, type in your zip code on the front page of the company’s website and scroll through the list of covered complexes in your area. If you see your property, you can get a quote within minutes by providing your name and address.

Customer Service and Claims Support

If you have questions about your policy or want to file a claim, you can call the company’s customer service line at 888-512-4204, Monday through Thursday from 8 a.m. to 10 p.m., on Friday from 8 a.m. to 9 p.m., or on Saturday and Sunday from 9 a.m. to 7 p.m. You can also file a claim or manage your policy in the customer portal.

Compare eRenterPlan to the Competition

Provider eRenterPlan ePremium State Farm
Provider eRenterPlan ePremium State Farm
Known for Free roommate coverage Easy enrollment Cheap premiums
Monthly price $15–$20 $11–$22 About $12
Customer service Monday through Thursday, from 8 am to 10 pm Monday through Friday, from 9 am to 6 pm Hours vary by department
BBB rating C+ A+ A

Our Conclusion

An eRenterPlan policy takes less than 15 minutes to purchase, which is perfect for the renter looking to quickly fulfill a landlord’s renters insurance requirements. The company also has a low deductible of $250 and allows you to create your own policy.

However, the company has limited customer service, few coverage options, and a poor Better Business Bureau rating. If customer service and comprehensive coverage are priorities for you, we recommend looking into a policy through a different home insurance company. To find out what other insurance companies will protect you, input your zip code into the tool below.

Company Information

  • Company name: eRenterPlan
  • CEO: Steve Winn
  • Years in business: 40
  • State availability: 50
  • Address: 330 Commerce, Suite 100
  • City/State: Irvine, CA
  • Zipcode: 92602
  • A.M. Best financial strength rating: N/A

Frequently Asked Questions About eRenterPlan

Are RealPage, Inc., Multifamily Internet Ventures, LLC, and eRenterPlan the same company?

RealPage, Inc. is the overarching company that offers property management software to rental properties. Multifamily Internet Ventures, LLC, is a subsidiary of RealPage, Inc. that owns eRenterPlan and provides renters insurance. eRenterPlan also goes by LeasingDesk Insurance Services.

Does my eRenterPlan policy automatically cancel when my lease ends?

No. You have to log into your customer portal or call customer service to have your policy terminated.

Will my landlord receive proof of my eRenterPlan policy?

Yes. When you sign up for a renters insurance policy through eRenterPlan, the company will automatically send a copy of your policy to your leasing office.

Does eRenterPlan write its own policies?

No. eRenterPlan uses underwriting companies like American Modern Insurance Group, Markel, and American National Property and Casualty Company.

Does eRenterPlan offer loss of use or additional living expenses coverage?

The eRenterPlan website says that the company covers 100% of the living expenses acquired during displacement from your apartment, but that was not included in the quotes we received from the company. Whether you get this type of coverage likely depends on the underwriting company for your policy.

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