ePremium Renters Insurance Review

ePremium is a renters insurance company that works directly with property managers across the country to offer their tenants a quick way to fulfill their renters insurance requirements. The property you live in has to partner with ePremium for you to be eligible for one of their renters insurance coverage policies.

If your property manager advertises ePremium to you as a renters insurance option, thoroughly research ePremium and your other insurance options to find the best renters insurance for your home. To make your search easier, the This Old House Reviews Team did the work for you. Keep reading this ePremium renters insurance review to learn about coverage and pricing.

Pros and Cons

Compare the advantages and disadvantages of ePremium:

How Much Does ePremium Cost?

An ePremium policy costs between $11–$22 per month. To confirm that estimate, the This Old House Reviews Team requested a quote for a one-bedroom apartment in Raleigh, North Carolina:

Cost Breakdown

Area of Coverage	Coverage Amount
Personal property	$25,000
Loss of use	$5,000
Personal liability coverage	$100,000
Deductible	$250
Yearly cost	$183 ($15.25 per month)

To get a quote from ePremium, your property manager has to partner with the company. Once you confirm that ePremium works with your property, go to ePremium’s website, type in your zip code, and select your property from the dropdown menu. You can then request a quote without inputting any personal information.

ePremium Renters Insurance Coverage

Covered perils under an ePremium renters insurance policy include:

Fire
Lightning
Windstorm
Burglary
Explosion
Smoke
Vandalism
Hail
Artificial electrical current
Water
Weight of ice, snow, and sleet
Falling objects

There are three types of coverage offered under an ePremium policy:

1. Personal Property Coverage: If a covered event damages your personal belongings, this portion of your policy will cover replacement costs. To determine how much your belongings are worth and how much personal property coverage to get, you can use the ePremium coverage calculator on the company’s website.

2. Loss of Use Coverage: ePremiums will cover additional living expenses when a covered event damages your property enough that you have to temporarily live elsewhere during repairs. An example of an additional living expense would be the cost of a hotel room.

3. Liability Coverage: This part of the policy protects you against personal liability claims. If you’re held liable for an event that injures your neighbor or damages their property, ePremium will pay the costs associated with it.

Note: ePremium doesn’t offer coverage for medical payments to others, which is a common area of coverage in other insurance policies.

Here’s an overview of ePremium coverage options in North Carolina:

ePremium Range of Coverage

Area of Coverage	Amount Range
Personal property	$20,000–$70,000
Loss of use	20% of personal property
Liability	$100,000
Deductible	$250

ePremium Additional Coverage

Depending on where you live, you’ll have some or all of the following add-on options:

Refrigerated personal property
Earthquakes
Bed bug remediation
Water backup protection
Pet damage liability
Identity theft

State Availability

ePremium Renters insurance is available in all 50 states, so regardless of where you are currently located or where you want to go, ePremium will be able to insure you. Click on your state from the list below to find other providers in your area:

Customer Service and Claims Support

Customers can call 800-319-1390 for general questions Monday through Friday, from 9 am–6 pm. You also have the option of filling out an online form on the “Contact Us” page and selecting the subject of your inquiry from a list of eight options, which will direct you to a form to complete.

Renters insurance policyholders also have a customer portal. Depending on where you live, Kemper, QBE, or Millennial Specialty insurance will provide your ePremium policy, and you will log into that provider’s portal to access your policy and payment options.

Our Conclusion

ePremium renters insurance is best for a renter that wants to quickly fulfill their landlord’s renters insurance requirement. ePremium doesn’t offer customizable coverage, 24/7 customer service, or low monthly premiums.

We recommend getting quotes from at least three renters insurance agencies to determine if ePremium or another provider will offer the best protection for your home.

ePremium Renters Insurance vs The Competition

If you’re not sure whether ePremium is right for you, compare it to other top-rated renters insurance companies below.

Compare Renters Insurance Companies

Company	ePremium	Travelers	Geico
Known for	Easy enrollment	Multiple coverage options	Low deductibles
Monthly price	$11–$22	About $17	As low as $12
Customer service	Monday through Friday, from 9am–6 pm	24/7 for claims and customer service; limited for quotes	24/7
BBB rating	A+	A+	A+

Company Overview

CEO: Chad Scott
Years in business: 13
State availability: 50
Address: 4770 Duke Drive, Suite 200
City/State: Mason, OH
Zipcode: 45040
A.M. Best financial strength rating: N/A

*A.M. Best ratings accurate as of January 2023

Frequently Asked Questions About ePremium

Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each renters insurance company. Here’s what that review process looked like:

We analyze the information on each company’s website. This allows us to determine what products and services are offered by each renters insurance provider.
We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

Coverage (30): We rated home insurance companies higher if they offered the six main types of renters protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
State availability (7.5): Companies scored higher if they covered more states than their competitors.
Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.

Ratings listed in this article are accurate as of October 2022.

A.M. Best Disclaimer