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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 31, 2022

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The Lowdown

  • eRenterPlan is an agency that offers renters insurance through rental properties
  • eRenterPlan renters insurance is convenient but subpar compared to standard renters insurance offerings
  • You will find a better deal on renters insurance by shopping around

No one enjoys shopping for insurance. With so many providers to choose from, finding a policy to suit your needs can be difficult. eRenterPlan makes securing renters insurance easy. This insurance agency partners with rental companies to provide basic policies that residents can easily purchase. eRenterPlan’s policies are affordable, but they are very basic and lack customization options.

If you are researching eRenterPlan renters insurance, then it is likely that your rental company works with this agency. eRenterPlan is convenient and affordable, but it might not be the best option for your situation. If you want to find cheap renters insurance with the coverage options you need, you should compare quotes from leading insurance companies.

What is eRenterPlan renters insurance?

eRenterPlan is an insurance agency that works with rental properties to offer easy-to-acquire, basic renters insurance for residents. eRenterPlan does not provide renters insurance policies directly. Insurance policies that they provide come from LeasingDesk Insurance Services. LeasingDesk Insurance Services acts as an insurance broker between eRenterPlan and a handful of renters insurance underwriters.

eRenterPlan sells insurance policies underwritten by one of three partner companies: American Modern Insurance Group, American National Insurance Company, or Markel Corporation.

At first, this structure may seem confusing, but it is fairly simple in practice. Your leasing company will have the policy already set up, and all you need to do is purchase it. You have limited options for customizing your renters insurance policy. Due to its inherent limitations, if you want more comprehensive coverage, you should look elsewhere.

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Does eRenterPlan provide good renters insurance?

Renters insurance offered through eRenterPlan is extremely basic. Even though there are very limited options for customizing your coverage, it will provide you with the minimum required renters insurance.

One benefit of purchasing renters insurance through this agency is that your rental company will already have the required coverage included in the policy. This option is a convenient way to ensure that you are in compliance with your lease agreement.

A significant drawback is the inability to customize your coverage much further. The only customization options you have are your personal property liability and deductible. Some rental companies may have additional add-ons available, such as pet damage coverage or bed bug remediation.

You won’t be paying outrageous rates, but there are also no discount options available.

eRenterPlan insurance is competitively priced but still slightly more expensive than the national average. Policies range from $15-$20, whereas the average renters insurance rates hover around $14. You won’t be paying outrageous rates, but there are also no discount options available. If you decide to shop around for renters insurance, you will likely find better rates that offer more comprehensive coverage. Furthermore, most insurance companies offer some discounts that you can take advantage of if you are eligible.

Aside from the convenience, one of the only reasons you might want to choose renters insurance through this agency is if you have bad credit. All tenants are eligible for renters insurance through eRenterPlan regardless of their credit score. No credit check is required to purchase coverage through eRenterPlan. These policies have fixed rates not influenced by your credit. This approval process is extremely useful if you do not have a high credit score. Most traditional insurance companies charge higher rates for individuals with low credit scores.

Who is eligible for an eRenterPlan insurance policy?

You can only purchase renters insurance through eRenterPlan if your rental property has entered into a contract with this agency. When you navigate to their website and input your ZIP code, you can purchase insurance if your property is listed. If your apartment or home address does not populate, then you are not eligible to purchase renters insurance through this agency.

Renters insurance is available through eRenterPlan in all 50 states and the District of Columbia. Over 7,000 rental companies are engaged in contracts with eRenterPlan, totaling over a million units. This renters insurance is widely available if your leasing company works with them.

Even if you have the opportunity to buy your renters insurance through eRenterPlan, you will likely find a better option in your area. Any location that works with eRenterPlan also allows you to purchase your own insurance policy. You should always shop around before buying renters insurance through your rental company.

eRenterPlan Reviews and Ratings

The overall customer satisfaction for eRenterPlan is very low. Customer reviews state that it is difficult to cancel renters insurance policies from eRenterPlan. If you want to cancel your eRenterPlan insurance policy, you can either log in to the website or call them directly.

To cancel over the phone, you can call the eRenterPlan customer service phone number at 888-512-4204. Some customers claim it is easier to cancel a renters insurance policy by contacting customer service via a phone call rather than using the website.

eRenterPlan has a B rating from the Better Business Bureau. Unlike more well-known insurance agencies, this company is not yet accredited by the Better Business Bureau. Customer reviews average one star, and many customer complaints are present on the BBB website. Most complaints state that their issue is not yet resolved despite being closed.

eRenterPlan’s underwriters have a complaint index that is only slightly below or above average, which is a redeeming quality in light of their many drawbacks.

The National Association of Insurance Commissioners Complaint Index for eRenterPlan varies by which underwriter supplies the policy. The underwriters’ complaint indices range from 0.88-1.19, and the average complaint index is 1.0. Anything above one means that the company has more complaints than their market share suggests they should. eRenterPlan’s underwriters have a complaint index that is only slightly below or above average, which is a redeeming quality in light of their many drawbacks.

Overall, this agency has an average number of mixed customer reviews. If you shop around and compare quotes from other renters insurance providers, you will likely find better options. Many insurance providers have cheaper rates for more comprehensive coverage with better overall reviews and ratings.

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Is eRenterPlan renters insurance a good choice for you?

Renters insurance is important and might be a requirement depending on where you live. If you hate shopping for insurance and your company has partnered with eRenterPlan, then this agency is a convenient but expensive option available to you.

Despite its convenience, policies offered through eRenterPlan are as bare-bones as it gets. If you choose a policy through this agency, then you have next to no customization options and very few add-ons available. Furthermore, the rates are somewhat expensive, and no discounts are available.

If you don’t mind spending a little extra time shopping around, then you will find better renters insurance elsewhere. Many insurance companies offer more comprehensive coverage at lower rates. By comparing quotes from leading insurance companies, you can find cheaper rates on plans that provide the coverage you need.