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ERenterPlan Insurance Review 2024
![Sarah Schlichter](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2020/06/Sarah-Schlichter-headshot-square-160x160.jpg)
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
![Caitlin Constantine](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/09/Caitlin-Constantine-160x160.jpeg)
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
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![insurance-product-card-logo](https://www.nerdwallet.com/cdn/insurance/logos/erenterplan.png)
eRenterPlan
Pros
- Offers replacement cost coverage for personal belongings.
- Can add roommates to your policy for free.
- Rates won't go up after a claim.
Cons
- Not available at all rental properties.
- Some coverage limits may not be customizable.
- May not insure tenants whose dogs have a bite history.
eRenterPlan
Pros
- Offers replacement cost coverage for personal belongings.
- Can add roommates to your policy for free.
- Rates won't go up after a claim.
Cons
- Not available at all rental properties.
- Some coverage limits may not be customizable.
- May not insure tenants whose dogs have a bite history.
About eRenterPlan renters insurance
ERenterPlan isn’t an insurance company. It’s a renters insurance policy offered at thousands of properties across the U.S., sold by an insurance agency called LeasingDesk. Your policy will be serviced by one of several insurance companies, including Markel, American Modern and American National.
It sounds confusing, but getting coverage is simple. You enter your ZIP code on the eRenterPlan website, and if your community is a participating partner, you can buy coverage online in a few minutes.
Although it may be convenient to get a policy from the company your property manager recommends, eRenterPlan may not always be your best option. Its website advertises base rates of $15 to $20 a month, which is more than the national average of $12 a month. And certain coverage limits may not be as customizable as those from other renters insurance companies.
ERenterPlan policies have their perks, but it’s worth shopping around before you buy.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where eRenterPlan stands out
Claim forgiveness. The company says it won’t raise your rates if you file a single claim.
Unique extra coverage options. In some states, eRenterPlan offers uncommon add-ons, such as coverage for bedbug remediation or payments toward your rent if you lose your job.
Where eRenterPlan falls short
Availability. If you don’t live in a participating property, eRenterPlan won’t be available to you.
Flexibility. You may not have more than one limit to choose from when it comes to liability or medical payments coverage.
State availability
ERenterPlan offers insurance at participating properties in all 50 states and Washington, D.C.
ERenterPlan renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage | What it does |
---|---|
Covers your clothing, furniture, electronics and other belongings. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Pays out if you're responsible for injuries to other people or damage to their property. | |
Covers injuries to other people in your home, regardless of fault. |
For more details, see What Does Renters Insurance Cover?
ERenterPlan offers the coverage types above, but the limits may not be as customizable as those of other renters insurance policies. As we sampled eRenterPlan quotes across six U.S. locations, we were given a liability coverage limit of $100,000 and a medical payments limit of $1,000, with no option to change either. In one instance, we had only a single choice of deductible.
While these defaults may be perfectly sufficient for some renters, those who want more options will have to shop elsewhere.
ERenterPlan policies cover your belongings on a replacement cost basis. That means if your stuff is stolen or destroyed, the company will pay out enough for you to buy brand-new replacements, rather than deducting for depreciation. Some insurers charge extra for replacement cost coverage, so this is a useful perk from eRenterPlan.
Plans also cover water damage that’s your fault.
Depending on where you live, you may be able to add the following types of optional coverage:
Increased limits for jewelry theft. A standard eRenterPlan policy may cover jewelry theft only up to a certain limit, such as $1,000. If you’ve got items worth more than that, you can choose a higher limit.
Water backup. If a sink, shower or toilet backs up into your home, this coverage pays for the damage.
Pet damage liability. If your pet damages your apartment, this endorsement can help pay for repairs.
Identity recovery. After someone steals your identity, this add-on can help you with expenses.
Unemployment. If you or a spouse loses a job, unemployment coverage can help pay your rent for a couple of months.
Bedbug remediation. This endorsement pays to clean up a bedbug infestation and replace damaged property.
Hurricane deductible reduction. Renters living in coastal regions may face higher deductibles for hurricane damage than for other types of claims. Selecting this option can lower that deductible.
Earthquake protection. This coverage pays for damage from an earthquake.
» MORE: The cheapest renters insurance
Discounts
ERenterPlan doesn't advertise any discounts, but you may be able to save on processing fees by paying your premium in full, upfront.
Consumer experience
Website: It’s easy to get a quote and buy a policy on the eRenterPlan website, though there are few details about coverage options. Existing customers can log in to view or change their policy, make payments or update credit card information.
App: There’s no eRenterPlan mobile app, but the insurer that issued your policy may offer one.
Claims: ERenterPlan doesn’t offer any information on its website about how to file a claim. You’ll need to contact the insurer who issued your policy for assistance.
Customer service: For help with your policy, you can submit a contact form on the eRenterPlan website or call 888-512-4204. (Spanish language assistance is available.)
ERenterPlan vs. Lemonade renters insurance
The primary difference between eRenterPlan and Lemonade renters insurance is who can buy it. Only tenants at participating properties can purchase eRenterPlan policies, while Lemonade’s renters insurance is open to a broader audience. However, Lemonade’s policies aren’t available in all states.
Both eRenterPlan and Lemonade policies are easy to buy online. Unlike eRenterPlan, Lemonade has a mobile app you can use to manage your policy and file claims. Lemonade also has a unique feature called the Giveback, which donates a portion of your premium to a charity of your choice.
To learn more, read our Lemonade renters insurance review.
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.0 /5 | |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. No data | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. No data | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. No data | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Bottom line Convenient option for tenants at participating properties who want quick coverage. | Bottom line Straightforward policies from a tech-centric, mission-driven company. | Bottom line Liberty Mutual offers standard renters insurance coverage with several ways to customize. |
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
ERenterPlan offers renters insurance only.
Yes, you can add up to four roommates to your policy at no charge. Learn more about whether sharing renters insurance with roommates is a wise idea.
An eRenterPlan policy will continue to renew beyond your lease term unless you specifically request a cancellation. You can do so by logging into your online portal or calling 888-512-4204.
Generally, yes. ERenterPlan has no restrictions on the dog breeds it will insure, as long as your furry pal doesn’t have a history of biting or aggression. If your dog has previously injured someone, you may not be able to get an eRenterPlan policy. Learn more about dog liability insurance.
ERenterPlan offers renters insurance only.
Yes, you can add up to four roommates to your policy at no charge. Learn more about whether
sharing renters insurance with roommates
is a wise idea.
An eRenterPlan policy will continue to renew beyond your lease term unless you specifically request a cancellation. You can do so by logging into your online portal or calling 888-512-4204.
Generally, yes. ERenterPlan has no restrictions on the dog breeds it will insure, as long as your furry pal doesn’t have a history of biting or aggression. If your dog has previously injured someone, you may not be able to get an eRenterPlan policy. Learn more about
dog liability insurance
.
In This Review . . .
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