eRenterPlan vs Lemonade
eRenterPlan vs. Lemonade: Renters Insurance Comparison (2025)
Choosing the right renters insurance is crucial for protecting your belongings and peace of mind. Two prominent providers are eRenterPlan and Lemonade. Below, we break down their offerings, customer experience, and key differences 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.
Offers renters insurance in all 50 states, primarily through partnerships with property management companies.
Policies are underwritten by various established insurers, including American Modern Insurance Group and Markel.
Lemonade
Founded in 2015, Lemonade is a tech-driven insurer headquartered in New York.
Known for its AI-powered platform, fast claims processing, and unique Giveback program (unused premiums go to charity).
Offers renters, homeowners, pet, car, and life insurance, though product availability varies by state
Coverage Options
| Coverage Type | eRenterPlan | Lemonade |
|---|---|---|
| Personal Property | Replacement cost coverage | Replacement cost coverage |
| Additional Living Expenses | Up to 100% of personal property limit | Included |
| Personal Liability | Up to $100,000 | Flexible, higher limits available |
| Medical Payments | $1,000 (fixed) | Flexible, higher limits available |
| Roommates | Up to 4 added for free | Significant others can be added; roommates not automatically covered |
Both providers cover standard perils like fire, theft, vandalism, and certain water damage. Lemonade also covers belongings in storage (up to $1,000).
Optional Add-ons and Endorsements
eRenterPlan: Increased jewelry theft limits, water backup coverage, pet damage liability (all breeds covered), identity recovery, unemployment rent assistance, bedbug remediation, hurricane deductible reduction, earthquake protection.
Lemonade: Scheduled personal property (Extra Coverage), water backup coverage, bundling options with pet or car insurance.
Pricing and Discounts
| Feature | eRenterPlan | Lemonade |
|---|---|---|
| Starting Price | ~$15–$20/month | As low as $5/month |
| Discounts | Limited; occasional promo codes | Bundling, pay-in-full, security devices |
Lemonade averages around $12/month—about 40% cheaper than the industry average. eRenterPlan tends to be more expensive and doesn’t promote many discounts.
Availability
eRenterPlan: Available in all 50 states but only through participating properties.
Lemonade: Available in 28 states and Washington, D.C., with plans to expand.
Claims Process and Customer Experience
eRenterPlan: Claims go through the underwriter. Offers claim forgiveness, but users report issues with cancellations and delays.
Lemonade: App or online claim filing; 30% processed instantly by AI. Fast, transparent, and consistently praised for customer satisfaction.
Customer Satisfaction and Complaints
| Provider | Customer Ratings & Complaints |
|---|---|
| eRenterPlan | Low ratings (1.1–1.4 stars); issues with billing, cancellations, and claims. Some praise for setup ease. |
| Lemonade | Positive reviews for fast claims and app use; some refund issues noted but typically resolved. |
Pros and Cons
eRenterPlan Pros: Nationwide (where available), free roommate coverage, no claim rate hikes, broad pet and water damage coverage.
eRenterPlan Cons: Limited customization, higher cost, mixed reviews, restricted to partner properties.
Lemonade Pros: Very affordable, fast AI claims, user-friendly app, flexible coverage, socially responsible.
Lemonade Cons: Not in every state, fewer discounts, some refund complaints.
Who Should Choose Which?
Choose eRenterPlan if: Required by your landlord, need roommate coverage, or have a breed-restricted dog.
Choose Lemonade if: You want fast, affordable, digital-first service with a social mission.
Comparison Table
| Feature | eRenterPlan | Lemonade |
|---|---|---|
| Company Type | Traditional (via property managers) | Tech-driven, direct-to-consumer |
| State Availability | All 50 states (participating properties) | 28 states + D.C. |
| Starting Price | ~$15–$20/month | $5–$12/month |
| Personal Property Coverage | Up to $50,000 | Flexible, higher limits available |
| Liability Coverage | Up to $100,000 | Flexible, higher limits available |
| Roommate Coverage | Up to 4 free | Significant other, not roommates |
| Add-ons | Jewelry, water backup, pet, more | Extra coverage, water backup, more |
| Discounts | Limited, occasional promos | Bundling, pay-in-full, security |
| Claims Process | Through underwriter, manual | Instant AI, app-based, fast |
| Customer Ratings | Low (1.1–1.4 stars) | Generally high, J.D. Power winner |
| Unique Features | Claim forgiveness, all dog breeds | Giveback program, AI claims |
Conclusion
Bottom Line: Lemonade shines for its modern interface, speed, and value—ideal for most renters. eRenterPlan is only recommended if your landlord requires it or if unique endorsements suit your needs.
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eRenterPlan vs. Lemonade: Renters Insurance Comparison – FAQs
- Who can buy eRenterPlan renters insurance?
- Only tenants at participating properties can purchase eRenterPlan policies. If your apartment complex or landlord does not offer eRenterPlan, you cannot buy a policy from them.
- Who can buy Lemonade renters insurance?
- Lemonade is available to most renters in 29 states and Washington, D.C., regardless of property management affiliation. Check Lemonade’s website to confirm availability in your state.
- How do I cancel my policy with eRenterPlan or Lemonade?
- eRenterPlan: Cancel online or by calling customer service at (888) 512-4204.
Lemonade: Cancel anytime through the app or website; you’ll receive a refund for any unused premium. - Do I need to sign up for a full year?
- No, both eRenterPlan and Lemonade offer flexible payment options and allow you to cancel at any time without a long-term commitment.
- How are premiums determined?
- eRenterPlan: Pricing starts around $15–$20/month and varies by coverage amount and location.
Lemonade: Premiums start as low as $5/month and are based on coverage limits, deductible, location, and risk factors like credit and claims history. - Are roommates covered?
- eRenterPlan: You can add up to 4 additional residents (total of 5) at no extra charge.
Lemonade: Significant others can be added, but roommates are not automatically covered and must purchase their own policy. - How do I file a claim?
- eRenterPlan: Claims must be filed with the insurer that underwrites your policy; details are not provided on eRenterPlan’s website.
Lemonade: Claims are filed directly through the Lemonade app or website, with many processed instantly by AI. - Are my belongings covered if I move or store them elsewhere?
- eRenterPlan: Belongings are covered anywhere in the U.S., but off-premises coverage is typically limited to 10–20% of your personal property limit.
Lemonade: Items in storage are covered up to $1,000, depending on your policy. - Does renters insurance cover pet damage?
- eRenterPlan: Yes, pet damage (including all dog breeds) is covered.
Lemonade: Pet damage is not standard but may be available as an add-on in some locations. - Does my policy cancel automatically at the end of my lease?
- No, for both providers, you must actively cancel your policy; it does not end automatically with your lease.
- Do I need to document my belongings?
- Yes, for both providers, purchase receipts are best for documentation, but photos or videos can also help support claims.
- What unique features do these companies offer?
- eRenterPlan: Claim forgiveness, free roommate coverage, unemployment rent assistance.
Lemonade: AI-driven claims, charitable Giveback program, award-winning mobile app. - Can I transfer my policy if I move?
- eRenterPlan: Yes, you can transfer your policy to a new home by contacting customer service.
Lemonade: You can update your address in the app or online when you move. - Will my landlord receive proof of insurance?
- eRenterPlan: If your property is on their pre-approved list, proof is sent automatically to your landlord.
Lemonade: You can download or email proof of insurance directly from the app or website. - Are replacement costs covered?
- Both eRenterPlan and Lemonade offer replacement cost coverage, meaning you’ll be reimbursed for the full cost of new items, not just their depreciated value.
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
Sat-Sun: Closed