eRenterPlan vs State Farm
eRenterPlan vs. State Farm: Renters Insurance Comparison (2025)
Choosing the right renters insurance can make a significant difference in cost, coverage, and customer experience. This comprehensive comparison between eRenterPlan and State Farm will help you make an informed decision.
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Overview and Company Background
eRenterPlan
Not an insurance company itself, but an insurance agency (LeasingDesk Insurance Services) that partners with underwriters like Markel and American Modern.
Policies are available only at properties partnered with eRenterPlan, often as a requirement from landlords.
Focuses on simplicity and compliance for property managers, with policies tailored for tenants in multifamily and single-family rentals.
State Farm
America’s largest home and auto insurer, with over a century in the industry.
Offers renters insurance directly to consumers in nearly every state, with a strong reputation for financial stability and customer service.
Known for a robust agent network and digital tools
Coverage Options
| Coverage Type | eRenterPlan | State Farm |
|---|---|---|
| Personal Property | Replacement cost coverage | Replacement cost coverage |
| Loss of Use (ALE) | Up to 100% of personal property limit | Included |
| Personal Liability | Fixed limits, less customizable | Customizable, higher limits available |
| Medical Payments | Fixed limits, less customizable | Customizable, higher limits available |
| Roommate Coverage | Up to 4 roommates at no extra cost | Not standard |
Both offer standard protections: personal property, liability, loss of use, and medical payments.
eRenterPlan’s coverage limits are often fixed, with little flexibility for customization.
State Farm allows more customization of limits and offers broader options for higher-value needs.
Optional Add-ons and Endorsements
eRenterPlan
- Free roommate coverage (up to 5 people)
- Dog bite coverage (all breeds)
- Some expanded water and pet damage coverage
State Farm
- Identity theft/cyber event coverage
- Earthquake coverage (in select states)
- Additional insured coverage
- Sewer/drain backup
- Personal injury (libel/slander)
- Extra coverage for valuables (jewelry, fine art, etc.)
Pricing and Discounts
| Provider | Average Cost | Discounts Available |
|---|---|---|
| eRenterPlan | Higher than average | Few, if any. Limited promotional offers |
| State Farm | $8–$18/month | Bundling (auto + renters), home safety devices, claim-free discounts |
Availability
eRenterPlan: Only available at properties partnered with the company, which limits consumer choice.
State Farm: Available in nearly every state except Massachusetts and Rhode Island (and California for new policies).
Claims Process and Customer Experience
eRenterPlan
- Claims must be filed with the underlying insurer.
- Reports of difficult cancellations and limited support tools.
- Customer service often cited as poor.
State Farm
- Claims can be filed online, by app, phone, or with agents.
- Large support network and better digital tools.
- Generally rated well, with some complaints about delays.
Customer Satisfaction and Complaints
| Provider | Customer Ratings & Complaints |
|---|---|
| eRenterPlan | Poor ratings (1.1 stars); complaints about high price, billing, cancellations, and claim handling |
| State Farm | Fewer than expected complaints (NAIC); strong satisfaction scores, some negative reviews |
Pros and Cons
eRenterPlan Pros
- Easy to obtain at participating properties
- Free roommate coverage
- Replacement cost by default
- Dog bite coverage for all breeds
eRenterPlan Cons
- Higher pricing
- Limited customization
- Poor customer service
- Only available at partnered properties
State Farm Pros
- Affordable rates
- Broad customization and add-ons
- Strong financial reputation
- Fewer complaints than average
State Farm Cons
- Not available to new customers in MA, RI, or CA
- Fewer discounts than some competitors
- Some negative claims reviews
Who Should Choose Which?
Choose eRenterPlan if:
- Your landlord requires it
- You have roommates and need bundled coverage
- You own a dog breed excluded by other insurers
Choose State Farm if:
- You want customizable, affordable coverage
- You value endorsements and strong support
- You want to bundle with auto or other policies
Comparison Table
| Feature | eRenterPlan | State Farm |
|---|---|---|
| Company Type | Agency (partners with underwriters) | Direct insurer |
| Availability | Partnered properties only | All states except MA, RI, CA (new) |
| Starting Price | Higher than average | $8–$18/month |
| Discounts | Limited | Bundling, home safety, claim-free |
| Customization | Limited | Extensive |
| Roommate Coverage | Up to 4 free | Not standard |
| Dog Bite Coverage | All breeds covered | Breed restrictions may apply |
| Claims Process | Through underwriter, manual | Online, app, phone, agent |
| Customer Ratings | Poor (1.1 stars) | Generally positive |
| Add-ons/Endorsements | Limited | Many, including ID theft, earthquake |
| Replacement Cost | Included | Included |
Conclusion
State Farm stands out as the better choice for most renters, offering lower prices, better customer satisfaction, broader coverage, and more flexibility. eRenterPlan may be necessary if your landlord requires it, but it lags behind in cost, customization, and service. For value, support, and peace of mind, State Farm is the clear winner for renters insurance in 2025.
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Customer Reviews
State Farm: Available to most renters in all states except California, Massachusetts, and Rhode Island for new policies.
State Farm: Average cost is about $10 per month ($115 per year).
eRenterPlan: Limited customization, fixed limits.
State Farm: More customization, higher limits, broader endorsements.
State Farm: Roommates should have separate policies.
State Farm: Cancel anytime via app, web, agent, or phone.
State Farm: Discounts for bundling, safety features, and being claim-free.
State Farm: Online, mobile app, phone, or agent.
State Farm: Fewer complaints than expected, strong satisfaction.
State Farm: Offers off-premises coverage with limits.
State Farm: Yes, update address with agent or online.
State Farm: You can share proof manually via app or agent.
State Farm: May have breed restrictions. Ask your agent.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
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