Esurance: Renters Insurance Available?

Esurance offers renters insurance, which is a super affordable way to cover your valuables. The company was founded in 1999 and purchased by Allstate in 2011. Esurance renters insurance provides coverage for your personal items in the event of an emergency like a break-in, burst pipe, or other disasters, such as a fire or hurricane. The insurance covers you if a guest is injured in your apartment and they sue you for their medical bills under your liability coverage. Esurance renters insurance will also cover you in the event of situations like explosions, windstorms, and theft.

Esurance renters insurance: what does it cover?

Esurance renters insurance provides coverage for your personal items in the event of an emergency like a break-in, burst pipe, fire, or hurricane. It covers you if a guest is injured in your apartment and they sue you for their medical bills under your liability coverage. This is called medical payments coverage.

An Esurance renters insurance policy covers your belongings, even when you're not in your apartment. If your items are stolen, either from your apartment, car, or gym, Esurance may cover you and provide reimbursement. You can also purchase an insurance rider, which covers items like an engagement ring that might be more expensive than the amount of coverage you get with your Esurance renters insurance policy.

Plus, Esurance renters insurance covers your living costs if you are temporarily displaced from your apartment due to a fire or lightning, smoke, falling objects, water leak, or other disasters.

Esurance renters insurance will cover you in the event of situations like explosions, windstorms, hail, vandalism, or theft. A renters insurance policy from Esurance covers you and your rental unit in the following areas: personal property coverage, personal liability coverage, medical payments coverage, and loss of use coverage.

Esurance bonus coverage includes personal property replacement cost and special computer coverage.

Esurance renters insurance is currently offered in more than 20 states, including Alabama, Arkansas, Georgia, Idaho, Illinois, Iowa, Kansas, Ohio, New Jersey, and Oklahoma.

Pros and cons of Esurance renters insurance

Pros of Esurance Renters Insurance:

• Esurance renters insurance provides coverage for your personal items in the event of an emergency like a break-in, burst pipe, fire, or hurricane.
• It is considered a cost-effective option, with the average cost nationally being less than $200 a year.
• The quoting process is short and simple, providing pricing and coverage details within minutes.
• Esurance is rated A+ for financial strength by A.M Best.
• You can obtain a quote in 6 minutes and find a policy for as low as $14/month.
• You can manage your policy online easily.
• You can bundle your insurance products, including life, boat, auto, and renters insurance, to simplify your financial life and save money.
• You can file a claim online, with a local claims agent, or over the phone.
• Esurance renters insurance covers your living costs if you are temporarily displaced from your apartment due to a fire, lightning, smoke, falling objects, water leak, or other disasters.
• It covers you if a guest is injured in your apartment and sues you for their medical bills under your liability coverage.
• Esurance bonus coverage includes personal property replacement cost and special computer coverage.

Cons of Esurance Renters Insurance:

• Esurance doesn't provide many optional coverage options or discounts and requires you to place your social security number when getting a quote.
• It is not available in all states.
• Customer service issues have been reported.

How to get a quote for Esurance renters insurance

Esurance renters insurance is a cost-effective option for renters. The insurance covers your belongings, even when you're not in your apartment. For example, if your items are stolen from your car or a place like the gym, Esurance may reimburse you. You can also purchase an insurance rider, which covers items that are more expensive than the amount of coverage provided by the Esurance renters insurance policy.

To get a quote for Esurance renters insurance, you can use their online source to receive a quote, make payments, and see policy details. The quoting process is short and simple, providing pricing and coverage details within minutes. However, Esurance does require you to place your social security number when getting a quote. Esurance renters insurance is currently offered in more than 20 states, including Alabama, Arkansas, Georgia, Idaho, Illinois, Iowa, Kansas, Ohio, New Jersey, and Oklahoma.

To compare quotes from different insurance companies, you can enter your ZIP code on the Esurance website. This will allow you to compare pricing and coverage options from multiple providers and choose the best option for your needs.

It is important to note that renters insurance is separate from homeowners insurance or car insurance. Even if you have car insurance with Esurance, you will need to get a separate renters insurance policy. Additionally, if you live with roommates, each roommate needs to have their own separate policy as renters insurance does not cover multiple renters.

Discounts and savings with Esurance renters insurance

Esurance renters insurance is a cost-effective option for renters. The company offers comprehensive coverage at affordable prices, with policies starting at $5 per month and an average cost of less than $200 a year. Additionally, bundling your renters insurance with other lines of insurance, such as car insurance, can further reduce your premium through discounts.

Esurance simplifies the insurance process by allowing customers to receive quotes, make payments, and manage their policies through a single online source. The quoting process is straightforward and efficient, providing pricing and coverage details in as little as six minutes. This convenience extends to their mobile app, which enables policyholders to submit documents, verify their personal property, obtain quotes, and more.

While Esurance doesn't offer many optional coverage choices or discounts, bundling your renters and auto insurance can lead to significant savings. By combining these policies, you can take advantage of the Multi-Policy Discount, which can result in substantial savings on your overall insurance costs.

In addition to the Multi-Policy Discount, Esurance offers a range of other discounts to help you save money on your insurance premiums. These include the Paid-in-Full Discount, Switch and Save Discount, Fast 5 Discount, Online Shoppers Discount, Homeowners Discount, Renters Plus Discount, and Claim-Free Discount, among others.

Esurance renters insurance provides coverage for your personal belongings, even when you're not at home. It also includes personal liability coverage, protecting you if a guest is injured on your property and sues for medical bills. Additionally, their bonus coverage options, such as personal property replacement cost and special computer coverage, enhance the overall protection of your valuables.

Customer reviews of Esurance renters insurance

> Esurance is a no-nonsense kind of online provider - you get what you pay for, and there are no bells and whistles added to your policy unless you pay for each line-item you want such as flood protection as well as the standard renters coverage. I like dealing with them, and the policy rates are very low. This is a great provider if you live in an apartment or rent a house and want to make sure you have some coverage with no hassles or a huge price tag.

Esurance renters insurance is also rated highly for its customer service. One Clearsurance user said that Esurance has been "easy to work with and helpful" and that there are "lots of ways to contact them". Similarly, a reviewer on the Esurance website said that they were "impressed with the manner in which [their] claim was handled" and that " [a]ll personnel [they] spoke with were understanding, empathic and helpful".

However, some customers have reported issues with Esurance's customer service. A review on Studenomics noted that Esurance had "close to the expected number of complaints to state regulators for auto insurance relative to its size". The review also mentioned that Esurance had "far more than the expected number of complaints for home insurance".

Esurance renters insurance is currently only available in 21 states.

Frequently asked questions