eRenterPlan vs Allstate
eRenterPlan vs. Allstate: Renters Insurance Comparison (2025)
Choosing the right renters insurance is essential for protecting your belongings and peace of mind. Two popular options—eRenterPlan and Allstate—offer different strengths, coverage features, and customer experiences. Below is a comprehensive, SEO-friendly comparison to help you decide which is best for your needs.
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Overview and Company Background
eRenterPlan
Operated by LeasingDesk Insurance Services, a subsidiary of RealPage, Inc., eRenterPlan specializes exclusively in renters insurance and partners with underwriters like Markel and American Modern
Policies are available in all 50 states, but only at participating rental properties, often as a requirement of property managers.
Allstate
One of America’s largest and most recognized insurers, founded in 1931 and now publicly traded
Offers a broad suite of insurance products (auto, home, renters, life, etc.) and is available nationwide through agents, online, and call centers.
eRenterPlan vs Allstate Renters Insurance Comparison
Coverage Options
| Coverage Type | eRenterPlan | Allstate |
|---|---|---|
| Personal Property | Replacement cost, standard | Replacement cost, standard |
| Liability | Standard, may have fixed limits | Customizable limits |
| Medical Payments | Included, but limited customization | Included, customizable |
| Additional Living Expenses | Up to 100% of personal property | Covers increased living costs |
eRenterPlan: Offers replacement cost coverage as standard, covers dog bites (all breeds), and provides additional living expenses up to 100% of personal property limit.
Allstate: Standard policies include coverage for personal property, liability, guest medical, and additional living expenses. Deductibles and limits are more customizable than eRenterPlan.
Optional Add-ons and Endorsements
eRenterPlan
- Jewelry theft limit increases
- Water/sewer backup
- Pet damage liability (covers damage above pet deposit)
- Identity recovery
- Unemployment rent protection
- Bedbug remediation
- Hurricane deductible reduction
- Earthquake protection
Allstate
- Scheduled personal property (for valuables)
- Personal umbrella policy (higher liability)
- Identity theft restoration
- Flood insurance (through NFIP)
- Water backup coverage
Pricing and Discounts
| Feature | eRenterPlan | Allstate |
|---|---|---|
| Average Price | $15–$20/month (base rate) | $16–$17/month (average) |
| Discounts | Few/no advertised discounts | Multi-policy, retiree, autopay |
eRenterPlan: Slightly more expensive than national average; limited discounts, but may save on fees if paying annual premium upfront.
Allstate: Offers bundling discounts (auto + renters), up to 25% off for retirees 55+, and savings for automatic payments.
Availability
eRenterPlan: Available in all 50 states, but only if your property manager participates. Not all renters have access.
Allstate: Available nationwide to all renters, regardless of property manager.
Claims Process and Customer Experience
eRenterPlan: Claims are handled by the policy underwriter (not eRenterPlan directly), which can cause confusion and delays. Some customers report difficulties with communication, claim denials, and policy cancellation.
Allstate: Claims can be filed online, via app, or with an agent. Allstate has invested in technology for faster claims processing and better tracking. Mixed customer reviews: some praise ease of claims, others cite denials and slow response.
Customer Satisfaction and Complaints
| Metric | eRenterPlan | Allstate |
|---|---|---|
| Star Rating (User) | 1.1–1.4 (very low) | Below average (J.D. Power) |
| Common Complaints | Difficult cancellation, claims | Claim denials, billing issues |
| Recommendation Rate | 25% would recommend | Slightly below average |
Pros and Cons
| eRenterPlan Pros | eRenterPlan Cons | Allstate Pros | Allstate Cons |
|---|---|---|---|
| Fast online enrollment | Only at participating properties | Wide availability | Higher complaint rate |
| Replacement cost standard | Limited customization | Many discounts | Some claims issues |
| Free roommate inclusion | Poor customer reviews | Customizable coverage | Rates can be higher than some |
| No rate increase after claim | Difficult cancellation process | Strong agent network | Below-average satisfaction |
| Unique add-ons (e.g., bedbugs) | Higher-than-average price | Good bundling options |
Who Should Choose Which?
Choose eRenterPlan if:
- Your property manager requires it or is a participating partner.
- You want fast, simple enrollment and standard replacement cost coverage.
- You have roommates to include for free or own a dog of any breed.
Choose Allstate if:
- You want more control over coverage limits and add-ons.
- You value having access to local agents and a broader range of discounts.
- You plan to bundle renters with auto or other insurance for savings.
Comparison Table
| Feature | eRenterPlan | Allstate |
|---|---|---|
| Company Type | Renters insurance specialist | Major national insurer |
| Availability | All 50 states (participating only) | All 50 states |
| Policy Purchase | Online, via property manager | Online, agent, call center |
| Average Monthly Cost | $15–$20 | $16–$17 |
| Discounts | Limited | Bundling, retiree, autopay |
| Coverage Customization | Limited | Highly customizable |
| Replacement Cost Coverage | Standard | Standard |
| Add-ons | Bedbug, pet damage, unemployment | Jewelry, umbrella, flood, ID theft |
| Roommate Coverage | Up to 4 included for free | Not standard |
| Claims Process | Through underwriter | Direct, online/app/agent |
| Customer Satisfaction | Low | Slightly below average |
| Complaint Volume | High | Above average |
Conclusion
eRenterPlan is a convenient, niche solution primarily for renters whose property managers require it, offering some unique add-ons but limited flexibility and poor customer satisfaction. Allstate provides broader availability, more customization, and better discounts, but has its own challenges with claims satisfaction and pricing.
Bottom line: If you want flexibility, discounts, and a robust agent network, Allstate is the better choice. If your rental community requires eRenterPlan or you need its unique add-ons, it may be the most convenient—just be aware of its limitations and customer feedback.
Always compare quotes and read policy details before purchasing any renters insurance.
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eRenterPlan vs. Allstate: Renters Insurance Comparison – Frequently Asked Questions (FAQs)
- What does eRenterPlan renters insurance cover?
- eRenterPlan covers personal property, liability, and additional living expenses. Your belongings are protected anywhere in the U.S., though off-premises coverage is usually limited to 10–20% of your policy amount.
- What does Allstate renters insurance cover?
- Allstate covers personal property (theft, fire, vandalism, certain water damage), liability, guest medical payments, and additional living expenses if your home becomes uninhabitable.
- How do I cancel my eRenterPlan policy?
- You can cancel online by logging into your account or by calling eRenterPlan’s customer service at (888) 512-4204.
- Does Allstate renters insurance cover floods or earthquakes?
- Flood and earthquake coverage are not included in standard policies but can be added through separate policies or endorsements.
- Can I add roommates to my eRenterPlan policy?
- Yes, you can add up to four additional residents at no extra charge (five occupants total).
- What optional coverages are available with Allstate?
- Allstate offers add-ons like scheduled personal property (for valuables), identity theft restoration, personal umbrella policies, and flood insurance.
- How am I billed for eRenterPlan?
- You are billed in advance with automatic recurring payments. The initial payment is charged at purchase, and subsequent payments are charged two weeks before each coverage period.
- Does my renters insurance cancel automatically when my lease ends?
- No, for both eRenterPlan and Allstate, you must actively cancel your policy; it does not end automatically with your lease.
- Can I transfer my renters insurance if I move?
- Yes, both eRenterPlan and Allstate allow you to transfer your policy to a new address. Contact customer service to update your information.
- How do I file a claim with Allstate?
- Claims can be filed online, via the Allstate mobile app, by calling 1-800-ALLSTATE, or through your local agent.
- Do I need to document my belongings for a claim?
- Yes, for both providers, receipts are best, but photos or videos can also help document ownership and condition of your items.
- Are items in storage covered?
- eRenterPlan covers personal property in storage, but coverage is limited to 10–20% of your policy amount. Allstate also covers personal property off-premises, subject to policy limits.
- What are the payment and billing options with Allstate?
- You can pay online, through your agent, or by phone. Allstate offers flexible billing and discounts for automatic payments.
- Does renters insurance cover my landlord’s property?
- No, renters insurance only covers your belongings and liability. The landlord’s insurance covers the building itself.
- Is renters insurance expensive?
- Both eRenterPlan and Allstate offer affordable policies, with average premiums around $15–$20 per month, depending on coverage and location.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
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