eRenterPlan vs Nationwide
eRenterPlan vs. Nationwide: Renters Insurance Comparison (2025)
Choosing between eRenterPlan and Nationwide for renters insurance involves weighing company background, coverage flexibility, pricing, customer service, and more. This comparison breaks down each provider’s strengths and weaknesses to help you make an informed decision.
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Overview and Company Background
eRenterPlan
Not an insurance company itself, but a renters insurance program offered through LeasingDesk Insurance Services, a RealPage subsidiary.
Policies are underwritten by partner insurers and only available to renters at participating properties, often as a landlord requirement.
Focuses on simple enrollment and broad eligibility, including for renters with pets or roommates.
Nationwide
One of the largest, most established insurance companies in the U.S., founded in 1926.
Offers a wide range of insurance products, including renters, auto, home, and more.
Renters insurance is available in 46 states and Washington, D.C., with a strong national reputation for service and financial stability
eRenterPlan vs Nationwide Renters Insurance Comparison
Coverage Options
| Coverage Type | eRenterPlan | Nationwide |
|---|---|---|
| Personal Property | Replacement cost, up to $50,000 | Actual cash value; optional "Brand New Belongings" for RCV |
| Liability | $100,000 (fixed) | $100,000 (standard), customizable |
| Medical Payments | $1,000 (fixed) | Customizable |
| Additional Living Expenses | Up to 100% of personal property limit | $10,000 standard, customizable |
| Roommates | Up to 4 included free | Not standard |
| Dog Bites | All breeds covered | Breed restrictions may apply |
| Building Additions | Not standard | Included |
| Credit Card Fraud | Not standard | Included |
eRenterPlan: Offers replacement cost coverage as standard, covers all dog breeds, and allows up to four roommates on a single policy. However, coverage limits are mostly fixed and customization is limited.
Nationwide: Offers standard coverage plus extras like building alterations and credit card fraud protection. Provides more flexibility in setting coverage limits and offers optional endorsements.
Optional Add-ons and Endorsements
eRenterPlan
- Bedbug remediation
- Pet damage liability
- Unemployment rent protection
- Water/sewer backup
- Identity recovery
- Hurricane and earthquake coverage (in some locations)
Nationwide
- Brand New Belongings (replacement cost upgrade)
- Valuables Plus (for jewelry, art, etc.)
- Water backup
- Theft extension (for items in vehicles/watercraft)
- Earthquake insurance
- Identity theft protection
- Personal injury coverage (libel/slander)
- Inflation guard
Pricing and Discounts
| Feature | eRenterPlan | Nationwide |
|---|---|---|
| Average Cost | $15–$20/month (base rate) | ~$16/month ($188/year) |
| Discounts | Limited | Multi-policy, protective devices, claims-free, gated community |
eRenterPlan: Slightly higher than average cost, few discounts, and pricing is generally not customizable.
Nationwide: Slightly above national average, but offers a robust set of discounts for bundling, safety devices, and more.
Availability
eRenterPlan: Available in all 50 states, but only at properties partnered with eRenterPlan. Not available to all renters.
Nationwide: Available in 46 states and D.C.; not available in Alaska, Hawaii, Louisiana, and Oklahoma.
Claims Process and Customer Experience
eRenterPlan: Claims are handled by the underwriter, not eRenterPlan directly, which can cause confusion and delays. Policyholders must contact eRenterPlan directly to cancel policies. Reviews cite communication issues and ongoing billing after moving out.
Nationwide: Claims can be filed online, via the mobile app, by phone, or through an agent. Highly rated for user-friendly digital tools and responsive service.
Customer Satisfaction and Complaints
| Metric | eRenterPlan | Nationwide |
|---|---|---|
| User Ratings | Very low (1.1/5 stars) | High (J.D. Power 852/1000) |
| NAIC Complaint Index | High (above average) | Low (0.49, well below median) |
| Common Complaints | Billing, cancellation, communication | Few complaints, strong reputation |
Pros and Cons
| eRenterPlan Pros | eRenterPlan Cons | Nationwide Pros | Nationwide Cons |
|---|---|---|---|
| Fast enrollment | Only at participating properties | Flexible, customizable coverage | Not available in 4 states |
| Replacement cost standard | Limited coverage customization | Many discounts | Slightly above-average premiums |
| No rate increase after claim | Poor customer reviews | Excellent customer service | Some add-ons cost extra |
| Free roommate inclusion | Fixed limits for most coverage | User-friendly mobile app | |
| Covers all dog breeds | Higher-than-average price | Fewer complaints than average | |
| Unique add-ons (bedbugs, etc.) | Difficult cancellation process | Strong financial stability |
Who Should Choose Which?
Choose eRenterPlan if:
- Your property manager requires it or is a participating partner.
- You want simple, fast enrollment and standard replacement cost coverage.
- You have roommates or own a dog breed other insurers may not cover.
Choose Nationwide if:
- You want more control over coverage limits and add-ons.
- You value strong customer service, digital tools, and broad discount options.
- You plan to bundle renters with auto or other insurance for savings.
Comparison Table
| Feature | eRenterPlan | Nationwide |
|---|---|---|
| Company Type | Renters insurance program | Major national insurer |
| Availability | All 50 states (partner properties) | 46 states + D.C. |
| Policy Purchase | Online, via property manager | Online, agent, phone |
| Average Monthly Cost | $15–$20 | ~$16 |
| Discounts | Limited | Bundling, safety, claims-free |
| Coverage Customization | Limited | Highly customizable |
| Replacement Cost Coverage | Standard | Optional add-on |
| Add-ons | Bedbug, pet damage, unemployment | Valuables, ID theft, earthquake |
| Roommate Coverage | Up to 4 included for free | Not standard |
| Dog Bite Coverage | All breeds | Restrictions may apply |
| Claims Process | Through underwriter | Direct, online/app/agent |
| Customer Satisfaction | Very low | High |
| Complaint Volume | High | Low |
Conclusion
eRenterPlan is best for renters who must use it due to property manager requirements or who want simple, replacement cost coverage with unique add-ons like bedbug remediation. However, it offers limited flexibility and has poor customer satisfaction.
Nationwide stands out for its customizable coverage, robust digital tools, strong customer service, and wide availability (except in four states). It’s a better fit for renters who want more options, discounts, and a proven track record of customer satisfaction.
Bottom line:
- ✅ Choose Nationwide for flexibility, service, and peace of mind.
- ⚠️ Choose eRenterPlan only if required or if its unique features are essential to you.
Always compare quotes and policy details before purchasing any renters insurance.
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eRenterPlan vs. Nationwide: Renters Insurance Comparison – Frequently Asked Questions (FAQs)
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
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