Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 29, 2022

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The Lowdown

  • ePremium renters insurance partners with rental companies to provide cheap renters insurance
  • ePremium renters insurance is a convenient option for inexpensive, basic renters insurance
  • You are likely to find better deals on renters insurance by seeking an independent company

If you have encountered ePremium renters insurance, then it is likely that your rental company has partnered with this insurance provider. ePremium renters insurance is an inexpensive and very basic renters insurance option. This company’s rates are very competitive, but coverage options are lacking.

Shopping for insurance can be a hassle, but renters insurance is an important necessity for protecting your belongings. If you are seeking suitable renters insurance for your situation, then ePremium might not be the best option. To find affordable renters insurance with comprehensive coverage, you should compare quotes from at least a handful of insurance companies.

What is ePremium renters insurance?

ePremium is not a renters insurance company, but rather an agency. When you purchase a policy through ePremium renters insurance, you are actually buying renters insurance underwritten by another company. ePremium sells insurance policies underwritten by companies such as Kemper and Century-National.

This insurance agency partners with many rental properties throughout the United States. For rental properties that require residents to hold renters insurance, they may offer ePremium renters insurance as a convenient option. There are benefits to securing your renters insurance policy through ePremium, but sometimes the cons outweigh the pros.

If you are presented with the option to purchase your renters insurance policy through ePremium, you should first compare quotes. With a slight amount of research, you are likely to find a more comprehensive renters insurance policy at a comparable price point.

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Where is ePremium renters insurance available?

ePremium renters insurance is available through rental companies nationwide. This insurance agency currently operates in Washington D.C. and in 49 U.S. states, excluding Alaska. You will only be able to purchase ePremium renters insurance if you partner with your rental company.

Many rental companies currently partner with agencies similar to ePremium to provide a convenient option for renters insurance. Usually, you can opt into this renters insurance coverage when you sign your lease. Your renters insurance rates can be paid up front for the year, or you can pay the monthly rates alongside your rent.

If you are shopping for renters insurance through ePremium’s website, you will need to enter your address. If there are no results for your residence, it indicates that your rental company does not partner with ePremium insurance. In that case, you will be unable to purchase a policy through this company. Instead, you should explore renters insurance options from other popular insurance companies.

Is ePremium renters insurance a good option?

There are both benefits and significant drawbacks to purchasing a policy through ePremium. While this renters insurance option is very convenient, the coverage is limited. Let’s explore the most notable pros and cons for choosing an ePremium renters insurance policy.

ePremium Renters Insurance Pros

Convenience. It is very easy to purchase a policy through ePremium renters insurance. If your rental property partners with this agency, all you need to do is follow the link to their website. On the ePremium website, you simply input your address and select your deductible and personal liability. Typically, your leasing office can bundle your payments in your monthly rent if you prefer this payment method.

Affordability. ePremium offers competitively-priced renters insurance plans. ePremium policies range from $11 – $22 per month, which is standard for renters insurance. Policies purchased through ePremium are very basic, but they will meet the minimum requirements for renters insurance at your residence.

Accessibility. Arguably, the most significant benefit of purchasing a policy through ePremium is the approval process. ePremium renters insurance approves all applicants regardless of their credit rating. This lack of a credit check is great for individuals with a checkered credit history. Generally, people with lower credit scores pay higher rates on renters insurance. ePremium rates are fixed and do not increase as a result of poor credit.

ePremium Renters Insurance Cons

No customization. ePremium renters insurance policies are very basic. There are very few options for customization or add-ons. Furthermore, not everyone can choose their own deductible. Some properties set different deductibles for various claim types ranging from $200 – $1,000. Your coverage is limited by the terms that your rental company establishes.

No discounts. ePremium renters insurance policy prices are competitive, but no discounts are available. You will pay the quoted rates for your property, no matter what discounts you would qualify for from other renters insurance providers.

Availability. ePremium renters insurance is only available through select rental properties. If your rental company does not partner with ePremium, then you will not be able to purchase a plan through this agency.

In most cases, you are better off comparing quotes on your own. If you purchase renters insurance from a leading insurance company, you will receive comparable rates with more extensive coverage.

What are ePremium’s renters insurance reviews and ratings?

The customer reviews for ePremium renters insurance are consistent with the national average. Because ePremium is an agency instead of a direct renters insurance provider, reviews and ratings will vary based on the underwriter for individual policies.

ePremium renters insurance works with Millenial Specialty Insurance (MSI), which writes their policies. Millennial Specialty Insurance then, in turn, works with underwriters to provide the actual renters insurance coverage.

The National Association of Insurance Commissioners reports a complaint index for ePremium renters insurance underwriters ranging from 0.0 – 1.34. The average complaint index for insurance companies is 1.0, which places ePremium slightly above or below average. A complaint index score above one indicates that the insurance company receives more negative reviews than their market share would suggest. You should research your policy’s specific underwriter to gauge whether it is well received.

Customers cite fast response times and easy claims handling.

The Better Business Bureau (BBB) provides an A+ rating for ePremium renters insurance. This company has been accredited with the Better Business Bureau since 2015. There are very few customer reviews on the BBB website, but those present are negative.

ePremium’s renters insurance customer service generally has favorable reviews elsewhere online. Customers cite fast response times and easy claims handling. However, there are some negative reviews from customers, so you should do some research. Most negative reviews express difficulty with canceling policies.

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Is ePremium renters insurance right for you?

Like most insurance policies, Renters insurance is something you purchase hoping never to need it. Finding the right renters insurance policy can be a hassle. If your rental property has partnered with ePremium renters insurance, you may be tempted to select a policy through them. This setup is a convenient, affordable option that does not require a credit check.

If you are seeking more comprehensive coverage, then you should shop around. ePremium renters insurance is very limited, and the rental company typically sets their policies. Most major insurance companies offer renters insurance as a bundling option. If you already have car insurance through a leading brand, you might examine their renters insurance policies.

Before you decide on a renters insurance provider, it is important to compare your options. You can acquire the right coverage at an affordable price by shopping around. Compare quotes from a handful of insurance companies to find the best deal for your situation.