ERenterPlan Insurance Review 2026

ERenterPlan isn’t an insurance company. It’s a renters insurance policy offered at properties across the U.S., sold by an agency called LeasingDesk. Your policy will be serviced by one of several insurers, including Markel, American Modern and American National.

It sounds confusing, but getting coverage is simple. You'll start by entering your ZIP code on the eRenterPlan website. If your community is a participating partner, you can buy coverage online in a few minutes.

ERenterPlan policies have some nice features. For example, you can add up to four roommates to your policy for free. (Some companies won’t cover unrelated roommates on the same renters policy.) And you may have the option to add bedbug coverage, which most insurers don’t cover.

However, eRenterPlan may not always be your best option. Its coverage limits and deductibles aren't always as customizable as other insurers. And if you’re hoping to bundle renters and auto insurance for a discount, that isn’t an option with eRenterPlan.

Best for: Renters at participating properties looking for quick and convenient coverage. It may also be a good fit for people who’ve filed claims recently. The company says it won’t raise your rates if you file a claim.

Not ideal for: Those looking for the most flexible policies or hoping to bundle renters insurance with an auto policy.

• Why doesn’t this company have a NerdWallet star rating?

  We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating for insurers that work with multiple third parties to underwrite their policies. That’s because the quality of the policy you get may vary depending on the coverage options, financial strength and other factors of each separate underwriting company.

» MORE: The best renters insurance companies

ERenterPlan insurance includes the standard coverage you’d find in any renters policy. It covers your belongings in case of theft or damage and can pay for you to stay in a hotel if your home is unlivable after a claim. It also covers liability issues like dog bites or a guest injury in your home. Learn more about what renters insurance covers.

However, eRenterPlan's coverage limits aren't as flexible as those of other renters policies. As we sampled quotes across six U.S. locations, we were given fixed liability and medical payment coverage limits, with no option to change them. In one instance, we had only a single choice of deductible.

The default coverage amounts may be just fine for some renters. But those who want more options will have to shop elsewhere.

ERenterPlan policies cover your belongings on a replacement cost basis. So if your stuff is stolen or destroyed, the company will pay enough for you to buy brand-new replacements, rather than paying less for older items. 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.

Optional eRenterPlan renters insurance coverage

Depending on where you live, you may be able to add various types of optional coverage. The following are common options that many insurers offer:

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 have 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.

Identity recovery. After someone steals your identity, this add-on can help you with recovery expenses.

Earthquake protection. This coverage pays for damage from an earthquake.

Other coverage options are less common in the insurance industry, such as:

Pet damage liability. If your pet damages your apartment, this endorsement can help pay for repairs.

Bedbug remediation. This endorsement pays to clean up a bedbug infestation and replace damaged property.

Mold coverage. In select states, coverage is available for fungi, bacteria, and wet or and dry rot.

Unemployment coverage. Offers payment toward your rent for two months if you or your spouse loses a job.

What’s not covered

An eRenterPlan policy doesn’t cover:

• Flood damage.

• Damage from earthquakes or backed-up drains unless you add extra coverage.

• Damage you cause on purpose.

» MORE: Flood insurance for renters

The company advertises rates of $15 - $20 per month. That’s a little above the national average, which is $14 per month, according to NerdWallet’s rate analysis.

But when we looked at sample quotes in six states around the U.S., we saw mostly higher rates than the ones eRenterPlan advertises. The lowest price we saw for $30,000 worth of personal property coverage was $16 per month at a property in Tampa, Florida. But in five other cities, the monthly cost ranged from $21 in Washington, D.C., to $31 in St. Louis.

Your own price will depend on where you live and how much coverage you need. But given these sample rates, we recommend shopping around.

» MORE: The cheapest renters insurance

ERenterPlan offers insurance at participating properties in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all renters in a given state.

ERenterPlan doesn't advertise any discounts, but you may be able to save on fees by paying your premium once a year instead of in installments.

Website: It’s easy to get a quote and buy a policy on the eRenterPlan website, though there are few details about coverage options.

Mobile app: There’s no eRenterPlan mobile app, but the insurer that issues your policy may offer one.

To file a claim, log in to your online account or call the number listed in your policy documents. The company that underwrites your policy will handle the claim.

Phone: Call 888-512-4204. Assistance in Spanish is available.

Email: You can submit a contact form on the eRenterPlan website.

Chatbot: The virtual assistant can answer basic questions.

» MORE: 6 reasons not to skip renters insurance