eRenterPlan Renters Insurance: What It Is, How to Cancel, and Add Interested Parties
TL;DR: eRenterPlan Insurance Explained: Fast Guide to Cancel, Edit, and Manage
eRenterPlan is a common renters insurance provider used by property managers across the U.S.
You can add an interested party (like your landlord) through your online account to keep them informed of policy status.
To cancel your eRenterPlan policy, call 1-888-512-4204 with your details ready.
It covers personal property, liability, and temporary housing in emergencies.
While convenient, you may find better coverage and pricing with major insurers like State Farm or Lemonade.
Understanding eRenterPlan: Your Guide to Simplified Renters Insurance
Navigating renters insurance can be overwhelming—especially with lesser-known providers like eRenterPlan. Whether you're trying to cancel your policy, add an interested party like your landlord, or just figure out what eRenterPlan covers, this guide will walk you through it.
In this article, we'll cover:
What eRenterPlan renters insurance is
How to add an interested party (e.g., landlord)
How to cancel your eRenterPlan policy
Common FAQs and key features
Why you might consider switching
Whether you're a first-time renter in Florida, Minnesota, or Wisconsin, or simply reassessing your current coverage, this comprehensive breakdown will answer your questions and help you make informed decisions.
Let's dive in.
What Is eRenterPlan?
eRenterPlan is a renters insurance provider commonly recommended or required by property management companies. It offers affordable insurance for tenants and is underwritten by leasing partners like LeasingDesk Insurance and licensed insurance carriers. The platform is known for its easy integration into lease agreements and property portals.
Key Features of eRenterPlan:
Personal Property Coverage: Protects your belongings from fire, theft, vandalism, water damage from burst pipes, and more. For example, if your laptop is stolen during a break-in or your clothes are damaged in a building fire, you can file a claim and potentially be reimbursed based on your selected policy limits.
Liability Protection: Covers legal fees or damages if someone is injured in your rental unit. If a guest trips over a rug and breaks a bone, liability coverage can help cover medical costs and legal defense fees, preventing out-of-pocket expenses.
Loss of Use: Pays for temporary housing (like a hotel, Airbnb, or short-term rental) if your home becomes uninhabitable due to a covered peril. Imagine a pipe bursts and floods your apartment—you won’t be left without a roof over your head.
Affordable Monthly Premiums: Typically ranges from $10–20/month, making it accessible for budget-conscious renters, especially students and young professionals. Rates can vary depending on location, building age, and selected coverage options.
Optional Endorsements: Some policies also offer add-ons for high-value items like jewelry, electronics, or collectibles. These endorsements allow renters to tailor their coverage to meet their unique needs beyond the basic limits.
Whether you’re renting a studio in Minneapolis, a condo in Naples, or a duplex in Milwaukee, eRenterPlan offers basic yet vital protection to help safeguard your financial well-being.
How to Add an Interested Party to eRenterPlan
Many landlords or property managers ask tenants to list them as an "interested party" on renters insurance policies. This ensures they get notified if the policy lapses or is canceled—critical for maintaining property compliance.
Steps to Add an Interested Party:
Log in to your eRenterPlan account at eRenterPlan.com.
Navigate to your current policy.
Look for the option labeled "Add Interested Party" or similar.
Enter your landlord or property management's contact details exactly as requested.
Save changes and confirm receipt of confirmation email.
If you're having trouble, you can also contact their support line or email customer service for help with this process.
Note: Always double-check spelling and address details to avoid delays or miscommunication.
How to Cancel eRenterPlan Renters Insurance
Maybe you're moving, switching insurance providers, or simply no longer need coverage. Canceling eRenterPlan is a straightforward process, but it's crucial to coordinate your cancellation with the start of your new policy to avoid gaps in protection.
Step-by-Step Cancellation Process:
Call their customer service at 1-888-512-4204.
Be ready with your policy number, email address, and identification.
Request cancellation and confirm the effective date of termination.
Ask for a cancellation confirmation via email or printed letter.
Pro Tip: If you are switching to another insurer like Lemonade or State Farm, overlap coverage by at least one day.
Additionally, if your lease requires proof of insurance, provide your new declaration page to your landlord before canceling.
Renters Insurance - Frequently Asked Questions
Is eRenterPlan legit?
Yes. eRenterPlan is widely used and underwritten by reputable companies. It is often bundled into lease agreements.
Can I change my policy coverage?
Yes, you can log into your account and modify your coverage or premium options. You can also upgrade your deductible or add endorsements for electronics, jewelry, or liability extension.
Does eRenterPlan cover roommates?
No, each tenant typically needs their own policy unless they are a legal spouse or dependent. For example, if you're living with a friend, they must get their own renters insurance policy.
Will my landlord know if I cancel?
Yes, if your landlord is listed as an interested party, they will be notified immediately upon cancellation or lapse.
Is water damage from plumbing issues covered?
Yes, most standard policies cover sudden and accidental water damage from plumbing failures, but not flooding from storms. You’ll need separate flood insurance for that.
Does eRenterPlan offer bundle discounts?
No, unlike larger providers, eRenterPlan typically does not offer bundling with auto or other policies.
How do I file a claim with eRenterPlan?
Log into your account, select "File a Claim," and submit documentation and proof of loss. Claims are usually reviewed within 7–10 business days.
Does eRenterPlan cover pet-related damages?
Typically, pet-related damage is not covered unless it's related to a liability claim, such as a dog bite that causes injury to a guest. Damage caused by your pet to your own property or the rental unit may be excluded.
Am I covered while traveling with my belongings?
Yes, many renters insurance policies include off-premises coverage, which means your personal belongings may be covered even while you’re traveling. Always check the policy terms to confirm the extent of this protection.
Does eRenterPlan offer identity theft protection?
Currently, identity theft protection is not a standard feature of most eRenterPlan policies. If this coverage is important to you, consider providers like Allstate or State Farm that offer it as an add-on.
Can I cancel online or do I have to call?
As of now, cancellation typically requires a phone call to customer service. Be sure to have your policy number ready and request a confirmation email after the call.
Why Consider Switching from eRenterPlan?
While convenient, eRenterPlan may not offer the best rates or coverage options. Here are a few reasons to compare providers:
Higher Premiums: Other insurers may offer more competitive pricing based on your credit score, location, or bundled coverage.
Limited Customization: Coverage flexibility is often limited, especially compared to competitors.
Customer Support: Some users report slow response times or limited availability outside of business hours.
| Feature | eRenterPlan | Lemonade | State Farm |
|---|---|---|---|
| Starting Monthly Premium | $10–20 | $5 | $12 |
| Custom Coverage Options | Limited | High | Moderate |
| Claims Process | Manual, 7–10 days | AI-driven, same-day in some cases | Agent-assisted, 5–7 days |
| Bundling Options (e.g., Auto) | No | No | Yes |
| Mobile App Experience | Basic | Excellent | Strong |
| Endorsements (e.g., electronics) | Limited | Broad | Moderate |
If you're a renter in a hurricane-prone area like Florida or a cold-weather market like Wisconsin or Minnesota, it pays to compare coverage options and customer support levels across providers. Lemonade offers a slick digital experience and fast claims, while State Farm brings trusted local agent support and bundling options.
Switching could save you money and give you more peace of mind—especially during emergencies.
Final Thoughts: Is eRenterPlan Right for You?
If you’re looking for convenience and your property management requires it, eRenterPlan is a solid option. However, if you're not bound to use it, shop around and compare to ensure you get the best coverage for your needs.
Checklist for Renters Insurance Evaluation:
✅ Does the policy include personal property, liability, and loss of use?
✅ Can you add your landlord as an interested party?
✅ Does it cover your region (especially for Florida hurricane risks)?
✅ How fast are claims processed?
✅ Are there better rates or perks with other companies?
Action Steps for Smart Renters:
Compare at least three providers (e.g., eRenterPlan, Lemonade, State Farm).
Look for discounts on bundles if you also need auto or other insurance.
Make sure to read customer reviews for claim satisfaction.
Review your lease to ensure your policy meets all requirements.
Keep digital and printed copies of your policy and declarations page.
Need Help With Renters Insurance Disputes?
If you’ve had issues getting claims paid or believe your coverage has been mishandled, contact Shoreline Public Adjusters today. We help renters in Florida, Minnesota, and Wisconsin fight denied claims and recover what they're owed.
Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889
