ePremium Renters Insurance Review & Ratings (2022)

This review will cover ratings by real users for overall satisfaction and claims, costs, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 11, 2022

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ePremium insurance

The Rundown

  • ePremium renters insurance works directly with landlords in order to get you the coverage you need 
  • ePremium offers attractive add-on options that include both identity theft protection and water backup protection 
  • Unfortunately, ePremium’s rates are a bit more expensive than the national average

ePremium insurance is a renters insurance company that works directly with property managers across the country and offers tenants a quick and easy way to fulfill their renters insurance requirements from their landlords.

While the application process for ePremium renters insurance has been made simple and easy, there are a few cons to it as well. 

The big question is how much does renters insurance cost?

Keep reading to find out more information about ePremium, the cost, and amount of coverage you can receive if approved. Ready to start comparing quotes? Enter your ZIP code into our free tool, and start comparing today. 

ePremium renters insurance

While renters insurance isn’t required by law, it’s not uncommon for landlords to require their tenants to carry coverage.

They do this in case something were to happen to your belongings, you’ll be covered regardless of repair and replacement costs.

But is ePremium the right renters insurance for you? If you’ve heard of ePremium renters insurance, it’s probably because they’ve partnered with your landlord to offer an easy way to meet your renters insurance requirement.

So what does ePremium cover?

There are three types of coverage offers under ePremium:

  • Personal Property Coverage. If a covered event damages your personal belongings, this portion of your policy will cover replacement costs.
  • Loss of Use Coverage. ePremium will cover additional living expenses when a covered event damages your property enough that you have to temporarily live elsewhere during repairs.
  • Liability Coverage. If you’re held liable for an event that injures your neighbor or damages their property, ePremium will pay the costs associated with it.

Some ePremium policies also come with extras that most other renters insurance companies don’t include, such as coverage for bedbugs or any damage your pet does to your apartment. Additionally, ePremium is a great renters insurance for pet owners.

Here’s a breakdown of full coverage:

CoverageCoverage amountDetails
Bedbug remediation $500 - $1,000
Covers the cost of treating a bedbug infestation; included in many ePremium policies
Water backup protection $5,000
Covers damage from malfunctioning pipes and drains
Pet damage liability $500
Covers the cost of damage done by your pet to your apartment unit up to coverage limits; included in many but not all ePremium policies
Earthquake $5,000
Only available in California, this add-on costs $99 and carries a $750 deductible
Identity theft $5,000
For about $12 per year, it pays for expenses incurred as a result of identity fraud
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Another extra feature that ePremium offers is its security deposit insurance. It works by allowing you to pay less money up front to your landlord when you sign your lease in exchange for a nonrefundable fee. After that, ePremium pays your security deposit.

ePremium also covers perils as well:

  • Fire
  • Lightning
  • Windstorm
  • Burglary
  • Explosion
  • Smoke
  • Vandalism
  • Hail
  • Artificial electrical current
  • Water
  • Weight of ice, snow, and sleet
  • Falling objects

There are some policies that limit customization for coverage, as well as having higher than average deductibles.

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What are the costs of ePremium insurance?

How much is renters insurance? ePremium advertises their average policy for renters insurance ranging from $11 to $22 a month. The national average for renters insurance in the U.S. is $14 a month.

ePremium also advertises that all tenants will be approved for coverage without a credit check, which may make these plans a good option for those with poor credit histories.

What are ePremium’s reviews and ratings like?

Online reviews tend to lean favorably towards ePremium. Most reviews mention quick response times on customer service calls when asking questions about their policy.

However, there are some negative reviews that cite difficulties with canceling their services, as well as unapproved bank charges.

Drawbacks To ePremium Renters Insurance

There are a few different cons when it comes to ePremium renters insurance – namely their higher than average costs on their policies.

With the renters insurance market saturated with so many different companies offering competitive rates, it’s hard to stick with ePremium when most of their policy offers aren’t unique within the market, aside from their security deposit insurance.

Another drawback is that their plans don’t offer much flexibility and can be found as having limited options for customization.

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How do I buy ePremium renters insurance?

If your landlord is already working with ePremium, you’ll be able to go through your rental office to apply for a policy. ePremium makes the application process very simple and easy.

If your landlord doesn’t work with ePremium, you can call or visit their website.

How do I pay my ePremium insurance bill?

You may think it’s as simple as visiting epremiuminsurance.com to pay online. But an ePremium insurance customer login doesn’t exist, because ePremium doesn’t actually manage their own policies. Instead, they are a middleman to their underwriters.

So, in place of an ePremium insurance login, you can generally log in to your underwriter’s website and pay your bill that way.

Your underwriter will depend on which policy you end up buying as well as what state you live in, but you are able to call ePremium to request this information.

ePremium insurance phone number: 800-319-1390

ePremium Renters Insurance Review & Ratings: Key Takeaways

With as many insurers as there are in the market currently, ePremium has a hard time standing up to the competition when it comes to the market average.

While they do offer full coverage for most renters, their rates aren’t as competitive as others on the market, and their limited customization makes it hard to provide yourself with the best coverage out there.

Now that you’ve learned about ePremium insurance, take the time to enter your ZIP code into our free tool below and start saving on rates in your area today.

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