eRenterPlan
Not yet rated
- Unique coverage offerings.
- Can add roommates to your policy for free.
- Rates won't go up after a claim.
- 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 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 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 $13 a month. And certain coverage limits may not be as customizable as those from other insurers.
Best for: Renters at participating properties looking for quick and convenient coverage.
Not ideal for: Those looking for the most flexible and affordable policies.
- 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.
Where eRenterPlan stands out
Unique extra coverage options. In some locations, eRenterPlan offers uncommon add-ons. For example, it may pay to clean up bedbugs or repair damage to your apartment from your pet.
Coverage for roommates. Some companies won’t cover unrelated roommates on the same renters policy. With eRenterPlan, you can add up to four roommates for free.
Claim forgiveness. The company says it won’t raise your rates if you file a claim.
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 for liability or medical payments coverage.
Dogs with bite history. If you own a pet that’s harmed someone in the past, you may not be eligible for a policy from eRenterPlan.
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What eRenterPlan renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
ERenterPlan's coverage limits may not be as customizable as those of other renters insurance 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.
Renters insurance will generally pay if your dog bites someone outside the household. However, some companies won’t cover certain breeds such as pit bulls and Rottweilers. eRenterPlan has no dog breed restrictions. Learn more about dog liability insurance.
Optional coverage
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 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.
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.
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 fees by paying your premium once a year instead of in installments.
Where eRenterPlan insurance is available
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.
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.
App: There’s no eRenterPlan mobile app, but the insurer that issues 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 help.
Customer service: Submit a contact form on the eRenterPlan website or call 888-512-4204. (Spanish language assistance is available.)
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
ERenterPlan vs. Lemonade renters insurance
The primary differences between eRenterPlan and Lemonade renters insurance are:
Availability. You can buy an eRenterPlan policy only if you live in a participating apartment community. Anyone can buy Lemonade renters insurance, but it’s not available in all states.
Mobile app. Unlike eRenterPlan, Lemonade has a mobile app you can use to manage your policy and file claims.
To learn more, read our Lemonade renters insurance review.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does eRenterPlan offer?
What other types of insurance does eRenterPlan offer?
ERenterPlan offers renters insurance only.
Can I insure my roommates on an eRenterPlan?
Can I insure my roommates on an eRenterPlan?
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.
How do I cancel an eRenterPlan policy?
How do I cancel an eRenterPlan policy?
An eRenterPlan policy will continue to renew until you ask to cancel. You can do so by logging into your online portal or calling 888-512-4204.
Does eRenterPlan cover dog bites?
Does eRenterPlan cover dog bites?
Generally, yes. ERenterPlan will insure any type of dog as long as it 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.
