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Review of ePremium Renters Insurance for 2020



They work with property managers to set limits and deductibles. Some of the basic coverages include:

  • Identity fraud
  • Loss of use
  • Medical bills
  • Personal belongings
  • Personal liability
  • Pest damage
  • Pet liability
  • policyholders to adjust their coverage. This warning is not a problem if the policy covers all your needs.

    But if you want to raise the bar or protect high quality items, you have no room for that.

Benefits

19659013] Personal liability covers the most common hazards
  • Guaranteed approval if you use a partner rental property
  • Coverage applies abroad
  • Covers roommates in the policy
  • ePremium pays your deposit for you
  • Cons [19659019] No same day coverage
  • Includes payment processing fees
  • You can not set coverage limits
  • Limited information online
  • Who is ePremium?

    ePremium is a tenant insurance agency based in Cincinnati, Ohio.

    The company started in 2015 as a way for tenants to easily get HO4 insurance when they rented or rent out.

      epremium tenant insurance

    Policy is available in all 50 states and Washington, DC, through partner organizations

    The partnership ap proach makes it difficult to assess ePremium's customers and credit ratings. Most ePremium customers have noted a mixed or negative experience.

    The company has won several awards, including successive mentions on Inc. Magazine's list of the fastest growing private companies in the United States, and they have A-ratings from the Better Business Bureau.

    Tenant insurance is made easy.

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Undistributed, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get tenant insurance coverage within minutes of receiving your quotes and application.

    What makes ePremium different?

    ePremium tenant insurance stands out comfortably in a world where time is more valuable than ever.

    Policyholders do not have to apply manually, and there is no guarantee.

    ePremium guarantees acceptance for all applicants, with premiums that vary depending on the living community.

    The property manager and ePremium do all the work for tenants.

    They determine the limits and coverage in advance, which means that people in a residential complex can get valuable coverage for objects while people elsewhere do not.

    ePremium works exclusively with rental properties. It is not an option for homeowners.

    Tenant insurance according to states .

    Features and Benefits

    Insurance Limits

    Policyholders have limited space when changing their police boundaries.

    ePremium cancels many of the functions, such as deductibles, before offering tenants insurance with tenants.

    The protection of personal property ranges from $ 10,000 to $ 75,000 and personal liability is almost exclusively $ 100,000. tenant insurance.

    Policyholders can claim loss or damage related to fire, water damage, wind or personal injury. policy or function as a supplement.

    Endorsements, such as identity theft and water damage, peak at $ 5,000 per claim.

    Earthquake insurance also has a limit of $ 5000 but is only available in California ie and requires a deductible of $ 750.

    ePremium treats bedbugs and pet damage with compensation from $ 500 to $ 1,000.

    Policy Prices [19659053] ePremium tenants are consistently insured as one of the most expensive alternatives on the market. [19659058] Tenants should expect to pay $ 185 to $ 322 for $ 10,000 and $ 50,000 coverage, respectively. Most competing insurance providers offer comparable alternatives for 30% less.

    Lemonade and State Farm are two of the most popular brands for tenants.

    Lemonade policyholders pay $ 60 and $ 159 for the same coverage.

    State Farm offers slightly more coverage, so insurance rates are $ 130 and $ 226.

    Deductibles

    ePremium works with property managers to set premiums before tenants take out insurance.

    One apartment may have a deductible $ 400 for ordinary risks while another apartment has a Deductible $ 500

    Variations in premiums are costly for some policyholders, who may pay more in advance for a claim.

    Special discounts

    ePremium does not offer discounts to users.

    The company only sells tenant insurance, so there is no way to gather policies for a lower interest rate.

    ePremium also does not encourage the addition of security features, such as carbon monoxide detectors or security alarms, that are reduced by a requirement.

    Security Deposits

    ePremium offers an e-deposit, so you pay less in advance for your lease.

    You pay ePremium a one-time fee when you agree to buy rental insurance.

    ePremium pays the deposit for you, which results in less paperwork and fewer costs.

    ePremium Renters Insurance Availability

    Do you live on a property that cooperates with ePremium? If so, you can issue a policy. If not, you need to look elsewhere for insurance coverage.

    ePremium works with property managers in all 50 states.

    Tenants are guaranteed approval, regardless of age, income or credit score. All insurances are valid for one year and do not take effect on the day you register.

    Rental insurance is simple.

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Undistributed, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get tenant insurance coverage within minutes of receiving your quotes and application.

    Claims & Warranty

    Contact ePremium at (800) 319-1390 to initiate the claims process.

    A customer service representative will help you submit your application and receive compensation. It can take up to three business days for an insurance adjuster to process your claim.

    You can cancel ePremium coverage at any time by calling or visiting online if your name is on the insurance.

    There are no cancellation fees and you You will receive a proportional refund for your remaining balance. ePremium automatically renews the insurances at the end of one year.

    Action

    ePremium tenants insure themselves among insurers for their unique strategy.

    The company works directly with property managers to cover tenants. While the convenience and additional choices are remarkable pluses, the price in relation to competing coverage is short.

    ePremium tenants' insurance premiums and inflexible limits make it a reserve choice at best.

    Check out Lemonade for the most affordable tenant insurance. State Farm also offers comprehensive policies with discounts for bundling auto coverage.


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