eRenterPlan vs Assurant
eRenterPlan vs. Assurant: Renters Insurance Comparison (2025)
Choosing the right renters insurance is crucial for protecting your belongings and meeting landlord requirements. Two prominent options, eRenterPlan and Assurant, are often offered through property managers and are available nationwide. Here’s a comprehensive, friendly comparison to help you decide which is best for your needs.
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Overview and Company Background
eRenterPlan
eRenterPlan is a renters insurance program available through participating property managers across all 50 states. It is designed for quick enrollment, offering standard coverage and some unique add-ons, but is typically only available if your landlord or property manager participates.
Assurant
Assurant is a national insurance provider with a history dating back to 1947. It is underwritten by American Bankers Insurance Company of Florida (or American Security Insurance Company in some states) and is known for its broad product offerings, financial strength, and presence in the U.S. and internationally
Coverage Options
| Coverage Type | eRenterPlan | Assurant |
|---|---|---|
| Personal Property | Standard up to $30,000, replacement cost included | $5,000–$95,000, replacement cost included |
| Liability | $100,000 (standard) | $50,000 or $100,000, customizable |
| Medical Payments | Included | Included |
| Loss of Use | Up to 100% of property coverage | Included |
| Roommates | Up to 4 included for free | Roommate can be added at no extra cost |
| Pet Damage | Included | Optional add-on |
| Water Damage | Included, even if your fault | Included |
Both providers offer solid standard coverage. Assurant allows more flexibility with customizable limits and broader protection options.
Optional Add-ons and Endorsements
eRenterPlan: Increased jewelry theft limits, Water backup, Pet damage liability, Identity recovery, Unemployment rent protection, Bedbug remediation, Hurricane deductible reduction, Earthquake protection (location-dependent).
Assurant: Earthquake coverage (CA, WA), Flood insurance (select states), Pet damage protection, Sewer backup, Smartphone care, Identity fraud expense, Unemployment rent protection.
Pricing and Discounts
| Provider | Average Monthly Cost | Discounts Available |
|---|---|---|
| eRenterPlan | $15–$20 | None advertised |
| Assurant | $13–$16 | Some discounts available |
Assurant is generally more affordable with lower deductibles and discount options. eRenterPlan is fixed-price and doesn’t advertise discounts.
Availability
eRenterPlan: Available in all 50 states, but only for tenants in participating properties.
Assurant: Available nationwide to all renters, regardless of landlord or property manager.
Claims Process and Customer Experience
eRenterPlan: Claims handled by underwriters. Customers report delays, poor communication, and billing issues after cancellation.
Assurant: Claims can be managed online or by phone. The platform is user-friendly, but complaints exist around service delays and denied claims.
Customer Satisfaction and Complaints
| Provider | Customer Ratings | Common Complaints |
|---|---|---|
| eRenterPlan | Very low (1.1–1.4 stars) | Billing issues, cancellation problems, forced use, poor claims experience |
| Assurant | Mixed (4.0/5.0 expert rating) | High complaint volume, claims denials, slow service |
Pros and Cons
| eRenterPlan Pros | eRenterPlan Cons |
|---|---|
| Fast enrollment | Only available through partner properties |
| Replacement cost standard | Very poor customer reviews |
| No rate increase after a claim | Difficult cancellation process |
| Free roommate inclusion | Ongoing billing after cancellation |
| Covers all dog breeds | Limited customization |
| Unique add-ons (bedbugs, etc.) | No discounts |
| Assurant Pros | Assurant Cons |
|---|---|
| Affordable, flexible coverage | Higher-than-average complaint volume |
| Replacement cost included | Mixed customer service experiences |
| Unique add-ons (earthquake, smartphone) | Some add-ons only in select states |
| Roommate can be added for free | Higher rates in some cases |
| Low deductible options | Some claims denials reported |
| Available nationwide |
Who Should Choose Which?
Choose eRenterPlan if: You are required by your landlord to use it or want simple coverage with built-in pet and roommate protection.
Choose Assurant if: You want flexible, affordable, nationwide renters insurance with digital tools and unique add-ons like smartphone care or flood protection.
Comparison Table
| Feature | eRenterPlan | Assurant |
|---|---|---|
| Company Background | Property manager program, US-wide | National insurer, since 1947, US & global |
| Availability | 50 states (partner properties only) | 50 states (all renters) |
| Avg. Monthly Cost | $15–$20 | $13–$16 |
| Discounts | None advertised | Some available |
| Personal Property | Up to $30,000, replacement cost | $5,000–$95,000, replacement cost |
| Liability | $100,000 | $50,000 or $100,000 |
| Loss of Use | Up to 100% of property limit | Included |
| Roommates | Up to 4 included | 1 included at no extra cost |
| Pet Damage | Included | Optional add-on |
| Unique Add-ons | Bedbug, unemployment, hurricane, etc. | Earthquake, flood, smartphone, etc. |
| Claims Process | Through underwriter, phone only | Online or phone, digital management |
| Customer Satisfaction | Very low | Mixed, higher complaints |
Conclusion
Assurant is the more flexible, affordable, and broadly accessible renters insurance option for most renters. With customizable limits, digital tools, and unique endorsements, it stands out—despite a slightly higher complaint volume.
eRenterPlan is best for renters at properties requiring it or needing included pet/roommate protections. However, it lacks flexibility, and customer reviews are consistently poor.
Bottom line: Choose Assurant for better control, tech access, and national availability. Choose eRenterPlan only if you must.
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eRenterPlan vs. Assurant: Frequently Asked Questions (FAQs)
How am I billed for my eRenterPlan renters insurance?
You are billed in advance, with recurring automatic payments deducted on your billing date, which is set two weeks before your next coverage period begins.
Will I receive a paper bill or statement?
No, eRenterPlan does not send paper bills. All payments are handled automatically.
Why am I sometimes charged twice in the first month?
The first payment is charged at purchase, and the second payment is charged two weeks before the next coverage period to prevent a lapse in coverage in case of payment issues.
Does my policy cancel automatically when my lease ends?
No, you must contact eRenterPlan to request cancellation; otherwise, your policy will continue and you will keep being billed.
How do I cancel my eRenterPlan policy?
You can log in to your account to cancel or call their customer service at (888) 512-4204 for assistance.
Can I add roommates to my policy?
Yes, you can add up to four additional residents at no extra charge (five occupants total per policy).
Can I transfer my policy if I move?
Yes, you can contact eRenterPlan to transfer your policy to your new home.
Are my belongings in storage covered?
Yes, but coverage is limited to 10–20% of your personal property amount when items are off-premises.
Do I need receipts for my belongings?
Receipts are best for documenting ownership, but photos or videos can also be used as proof for claims.
What does Assurant renters insurance cover?
Standard policies cover personal property, liability, medical payments, and loss of use. Some policies also cover bedbug damage, mold, and food spoilage in certain states.
Can I add a roommate to my policy?
Yes, you can add a roommate at no extra cost, but make sure your coverage limit is sufficient for both.
Are there special limits on certain items?
Yes, items like jewelry, money, and watches have reduced coverage limits. Check your policy documents for details.
How do I cancel my Assurant renters insurance policy?
You can cancel through your online portal or by calling 800-432-8612.
How do I file a claim?
Claims can be filed and tracked online or by phone at 800-358-0600. Provide a list of claimed items, police/fire reports, and proof of ownership as soon as possible.
Will my policy expire at the end of my lease?
No, Assurant policies automatically renew unless you request cancellation.
Can I transfer my policy if I move?
Yes, you can transfer your policy to a new rental property by logging in and updating your address.
Does Assurant offer discounts?
Discounts may be available for paying your premium in full or for having safety/security devices, depending on your state.
What is the difference between Liability-Only and full Renters Insurance?
Liability-Only covers damages you cause to others or their property, but not your own belongings. Full renters insurance covers both liability and your personal property.
Does Assurant have a mobile app?
No, Assurant does not currently offer a mobile app for renters insurance; use their website for account management and claims.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
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