eRenterPlan vs Jetty

eRenterPlan vs. Jetty: Renters Insurance Comparison

If you’re a renter looking for coverage that fits your lifestyle and leasing requirements, both eRenterPlan and Jetty may be on your radar. While both provide renters insurance, their target audiences, features, and flexibility differ greatly. This guide breaks it all down so you can confidently choose the right option.

eRenterPlan vs Jetty

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Overview and Company Background

eRenterPlan

  • Operated by LeasingDesk Insurance Services, a RealPage subsidiary, eRenterPlan partners with major underwriters to offer renters insurance exclusively at properties that participate in their program.

  • Focuses on fast enrollment, fixed coverage, and unique features like free roommate inclusion and all-breed dog bite coverage.

Jetty

  • Founded in 2015 in New York, Jetty is a modern, tech-driven insurance agency providing renters insurance and deposit alternatives through partner properties nationwide.

  • Known for digital convenience, customizable “Power-Up” endorsements, and affordable plans starting as low as $5/month

eRenterPlan vs. Jetty Renters Insurance Comparison

Coverage Options

Coverage TypeeRenterPlanJetty
Personal PropertyReplacement cost, fixed limitsReplacement cost, customizable limits
LiabilityFixed (e.g., $100,000), not customizableCustomizable, meets property requirements
Medical PaymentsFixed, not customizableCustomizable
Loss of UseUp to 100% of personal property limitCovers hotels, meals, etc. if home uninhabitable
Roommate CoverageUp to 4 included freeNot standard
Pet CoverageAll breeds covered for liability and pet damageNot standard; pet damage not included
Bedbug CoverageOptional add-onIncluded ($300 per incident)

Both providers cover standard perils and offer replacement cost coverage, but Jetty allows greater customization with digital tools.

Optional Add-ons and Endorsements

eRenterPlan: Increased jewelry theft limits, Water/sewer backup, Pet damage liability, Identity recovery, Unemployment rent assistance, Bedbug remediation, Hurricane deductible reduction, Earthquake protection.

Jetty (Power-Ups): Valuables Protection, Personal Electronics Protection, Airbnb Host Theft Protection, Bedbug Coverage (included), Earthquake Protection (select locations).

Pricing and Discounts

FeatureeRenterPlanJetty
Starting Price$15–$20/monthAs low as $5/month
DiscountsLimited, few promosNone, but low minimums
BundlingNot availableNot available

Jetty offers one of the lowest entry-level prices in the market. eRenterPlan has higher rates with fewer discounts.

Availability

eRenterPlan: Available in all 50 states, but only at properties partnered with the program.

Jetty: Available in most states, but only through partner properties. Not all buildings participate.

Claims Process and Customer Experience

eRenterPlan: Claims are filed with the underwriter. Many reviews cite poor service, cancellation issues, and billing complaints (1.1-star rating).

Jetty: Claims are managed digitally and in-house, backed by Farmers. Some complaints about denials, but generally praised for ease of use.

Customer Satisfaction and Complaints

MetriceRenterPlanJetty
User RatingsVery low (1.1/5 stars)Mixed; higher than eRenterPlan
Complaint VolumeHigh (billing, cancellation)Above average for company size
Notable IssuesOngoing charges, poor supportAvailability, claim denials

Pros and Cons

eRenterPlan ProseRenterPlan ConsJetty ProsJetty Cons
Fast online enrollment Only at partner properties Very low starting price Only at partner properties
Replacement cost coverage standard Limited customization Digital-first, easy setup No discounts
Free roommate inclusion (up to 4) Poor customer reviews Unique Power-Ups (add-ons) Some complaints on claims
All dog breeds covered Higher cost Bedbug & Airbnb host protection Pet damage not included
Unique add-ons Difficult cancellation process Modern digital experience Availability limited to partners

Who Should Choose Which?

Choose eRenterPlan if: Your landlord requires it, you need roommate or pet coverage, or want niche add-ons like unemployment rent protection.

Choose Jetty if: You live in a Jetty-partnered building and want a digital, customizable, low-cost renters insurance policy.

Comparison Table

FeatureeRenterPlanJetty
Company TypeAgency (partners with underwriters)Digital-first agency, backed by Farmers
AvailabilityPartnered properties, all statesPartnered properties, most states
Starting Price$15–$20/monthAs low as $5/month
DiscountsLimitedNone
CustomizationLimitedHigh (Power-Ups)
Roommate CoverageUp to 4 freeNot standard
Dog Bite CoverageAll breeds coveredNot standard
Bedbug CoverageOptional add-onIncluded ($300 per incident)
Add-ons/EndorsementsPet damage, jewelry, water backupValuables, electronics, Airbnb, earthquake
Replacement CostIncludedIncluded
Claims ProcessThrough underwriterFully online, in-house
Customer RatingsVery low (1.1 stars)Mixed, higher than eRenterPlan
Complaint VolumeHighAbove average for size

Conclusion

eRenterPlan is suitable if your building requires it or if you need pet and roommate coverage. However, it’s limited in customization and earns poor reviews.

Jetty provides a sleek digital experience with unique add-ons, low prices, and better customization—but availability is limited to partner buildings, and some support complaints exist.

Bottom line: Jetty is the better value if both are available. Choose eRenterPlan only if required or for its specific niche features.

Tip: Always compare multiple quotes and coverage options before choosing renters insurance.

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eRenterPlan vs. Jetty: FAQ

eRenterPlan vs. Jetty: Frequently Asked Questions (FAQs)

What does eRenterPlan renters insurance cover?

eRenterPlan covers your personal property (like clothing, furniture, and electronics), additional living expenses if your home is uninhabitable, liability for injuries or property damage you cause, and medical payments to others. Coverage limits are generally fixed and may not be customizable, but all policies pay claims on a replacement cost basis.

What does Jetty renters insurance cover?

Jetty covers personal property, liability, loss of use (additional living expenses), and medical payments to others. All policies pay claims on a replacement cost basis, so you get enough to buy new replacements for lost or damaged items.

How much does Jetty renters insurance cost?

Jetty policies start as low as $5 per month, with a $10,000 policy often costing under $10 per month. The actual price depends on your chosen coverage and location.

How much does eRenterPlan renters insurance cost?

eRenterPlan typically costs between $15 and $20 per month, with limited discounts or promotional rates.

Can I customize my coverage with eRenterPlan or Jetty?

eRenterPlan offers limited customization; most coverage limits and deductibles are fixed. Jetty allows more flexibility, letting you choose coverage amounts and add “Power-Ups” for valuables, electronics, and more.

What are Jetty “Power-Ups”?

Power-Ups are optional endorsements you can add to Jetty policies, such as valuables protection, personal electronics coverage, Airbnb host theft protection, and bedbug remediation.

Does Jetty renters insurance cover bedbugs?

Yes, Jetty includes up to $300 in coverage for bedbug remediation if certified by a licensed pest control professional.

Is eRenterPlan or Jetty available everywhere?

Both are only available at participating properties. eRenterPlan operates in all 50 states, but only if your landlord or property manager offers it. Jetty is also available nationwide, but only through select partner properties.

How do I sign up for Jetty renters insurance?

If your building offers Jetty, your leasing agent will provide a custom signup link. The process is entirely online and takes about two minutes.

How do I sign up for eRenterPlan renters insurance?

You can sign up online if your property manager requires or offers eRenterPlan. The process is quick and straightforward.

How do I file a claim with Jetty?

Claims are filed online through Jetty’s portal and are processed by Farmers Insurance. The process is designed to be fast and user-friendly.

How do I file a claim with eRenterPlan?

Claims are handled by the underlying insurer, not eRenterPlan directly. Contact the claims department listed on your policy documents for instructions.

Can I transfer my policy if I move?

Both eRenterPlan and Jetty allow you to transfer your policy to a new address if your new property also participates in their program. Otherwise, you may need to cancel and find new coverage.

How do I cancel my policy?

For Jetty, contact their service team to cancel; annual plans are eligible for pro-rated refunds. For eRenterPlan, log in to your account or call customer service to request cancellation.

Can I make changes to my Jetty plan after purchase?

Yes, Jetty allows you to update your policy at any time by contacting their Service Operations team.

Who should choose eRenterPlan or Jetty?

Choose eRenterPlan if your property manager requires it or you need features like free roommate inclusion or all-breed pet coverage. Choose Jetty if you want low-cost, highly customizable digital coverage and your property participates in the program.

Author Box
Blake Nwosu

Blake Nwosu

Owner & Principal Agent

Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.

License: 16117464

Bio Page: https://blakeinsurancegroup.com/blake-nwosu/

Blake Insurance Group

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