ePremium Insurance: Affordable, High Quality Coverage

You can buy a renters policy easily through ePremium Insurance's online quote tool; however, these policies don't offer much flexibility, and the average rate is $239/year. While ePremium Insurance provides some additional coverage features like bedbug coverage and replacement cost coverage for personal property, this company doesn't have any discounts.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • ePremium Insurance provides renters insurance in 49 states
  • ePremium Insurance doesn’t offer discounts or customization
  • You can shop for cheap renters insurance online

Having home insurance is critical to protecting the structure of your house and your possessions. Also, renters insurance policy can help you repair or replace your furniture, your electronics, and even clothes if they are damaged in a covered loss. Even better, renters insurance is less expensive than a homeowners insurance policy.

More people rent rather than buy a home these days, and ePremium advertises that it can offer the protection to keep yourself and your possessions safe. Landlord and property managers also partner with ePremium to give tenants easy access to a renters insurance policy. Still, ePremium may not be the best fit for every renter since its policies can be costly and don’t allow much customization.

Check out the renters insurance buying guide and the coverage and rate per policy to determine ePremium’s accessibility and more. This vital information will help you decide if ePremium is the right company for you. As you learn more about ePremium, you can get started on the hunt for your next renters policy. Enter your ZIP code to start comparing free quotes right away.

What is the ePremium Insurance Company?

ePremium opened its doors for business in 2005, and its head office is located in Mason, Ohio. ePremium provides renters insurance in 49 states, but its operating procedure is different from most insurance companies.

It’s not uncommon for individual agents to leave their business cards in the main lobby of an apartment building with hopes of attracting new clients. However, ePremium goes out of its way to form partnerships with property managers and landlords so tenants can easily purchase a required renters insurance policy.

Of course, a property manager cannot tell you where to buy a renters insurance policy. For example, suppose you moved into an apartment and were required to purchase a renters policy. In this case, your landlord may recommend ePremium, but you are well within your rights to shop around for a policy that fits your specific needs.

Now that you know more about ePremium let’s look at the coverages ePremium has available for renters.

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What types of coverage does ePremium Insurance provide?

Consumers who love to customize their policies will be disappointed to learn that ePremium doesn’t offer much customization. In fact, your landlord may have more control over your policy than you because your landlord dictates your coverage features and even your deductible amount.

If you’re shopping for coverage with ePremium, you’ll be able to choose between $10,000 to $75,000 in personal property protection. Depending on where you live, you may only be able to purchase as much as $70,000 in insurance. Also, your liability limits are typically fixed at $100,000.

While ePremium policies are restrictive when it comes to coverage, an ePremium renters policy will grant you:

  • Personal property protection
  • Personal liability coverage
  • Medical payments
  • Loss of use coverage

These are the standard coverages provided by most renters insurance policies. Once you start comparing renters quotes, you’ll notice that many ePremium competitors offer other coverages that protect against inflation and even identity theft.

Does ePremium offer additional coverages?

In some locations, ePremium provides intriguing extra features that other major insurance companies don’t offer. These include:

  • Bedbug coverage
  • Replacement cost coverage for personal belongings
  • Security deposit insurance

While having a little extra coverage is good, it bears repeating that these three coverages don’t always come free with an ePremium policy. You may have to pay an additional amount to add them to your renters policy in some locations.

How much is ePremium renters insurance?

The average annual rate for a renters policy through ePremium is $239. This rate is quite high, especially compared to competitors like Allstate, which charges renters just $146 for the year, and Lemonade, which advertises renters insurance policies starting at just $60 per year.

Even more unfortunate, you can’t lower your ePremium payment by adding discounts to your policy because ePremium doesn’t offer discounts.

Typically, you can receive a discount on your policy if you:

  • Have a security system
  • Have no claims
  • Don’t smoke
  • Pay in full
  • Get paperless billing
  • Bundle a renters and car insurance policy

These days, people want to save as much money as possible, but since ePremium doesn’t offer discounts or additional coverage options, you could end up paying more for a very basic renters policy.

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ePremium Insurance: The Bottom Line

Renters insurance allows you to insure yourself and your belongings from unforeseen events. While ePremium provides basic protection for renters, it is not the most robust or even the cheapest policy on the market. If you have expensive electronic equipment or heirloom jewelry to protect, you may be better off purchasing a State Farm or GEICO renters insurance policy.

Not only do these policies tend to provide more extensive coverage, but you can also bundle your renters insurance with your car insurance and receive a discount.

Now that you’ve finished this detailed ePremium review, you’re ready to start shopping for renters insurance. You can enter your ZIP code to compare free quotes from companies near you.

Frequently Asked Questions About ePremium Insurance

Even after reading through this guide on ePremium renters insurance, you might still want to learn more. Below you can find the answers to some of the most frequently asked questions about ePremium renters insurance.

#1 — How can I buy an ePremium renters policy?

If you need renters insurance, you can use the free online quote tool ePremium has available on its website. It is best to compare at least three quotes before making a decision, so you can make sure you are getting the best deal possible.

#2 — How can I file a claim with ePremium?

Unlike most modern insurance companies, you won’t be able to file a claim online or through an app. You’ll need to call the ePremium renters insurance phone number during business hours Monday-Friday. For bilingual customers, Spanish-speaking customer representatives are available.

#3 — Does ePremium sell car insurance?

Unfortunately, you can’t purchase car insurance through ePremium. Car insurance is not an available insurance option with ePremium.

#4 — Can I buy life insurance with ePremium?

ePremium doesn’t sell life insurance policies. If you are looking for insurance coverage quickly, you may be able research companies that offer instant life insurance coverage without a medical exam.

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