When renting an apartment, renters insurance might not be the first thing that comes to mind. You have kitchen items to buy. Maybe you need to figure out where the nearest laundromat is or how secure your parking is. Every renter should strongly consider purchasing some amount of coverage. Renters insurance protects you and your belongings while renting an apartment or other home, and it will reimburse you for damaged or stolen items.

Your landlord is only responsible for insuring the structure of the building. Their policy covers their personal property that may be in the unit, but they aren't responsible for reimbursing you if your personal items are damaged or stolen. Some companies even offer personal injury protection to help you or your guests in a covered disaster. Esurance renters insurance provides coverage for your personal items in the event of an emergency like a break-in, burst pipe, or other possible disasters, like a fire or hurricane. Renters insurance is considered relatively inexpensive with the average cost nationally being less than $200 a year. If you bundle it with your auto policy, it could cost even less.

Esurance is among the cost-effective options for renters to consider. One Clearsurance reviewer who talked about comparing costs and choosing Esurance said, “A few years ago, the apartment complex where I live began requiring renters to carry insurance. I researched several options and chose eSurance because they offered the best coverage for the lowest price. their online application process was simple and painless. I definitely recommend them highly!"

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What is Esurance renters coverage?

Backed by Allstate Insurance Group, Esurance allows customers to receive quotes, make payments, and see policy details through one online source.

An Esurance renters insurance policy covers your belongings, even when you're not in your apartment. If your items get stolen, either out of your apartment, your car, or a place like the 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.

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. You can also benefit from things like property damage liability coverage, which is one of the other insurance coverage options available.

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

The quoting process is short and simple, providing pricing and coverage details within minutes. However, Esurance doesn't provide many optional coverage options or discounts and requires 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, Oklahoma, etc.

Insurance rates are low no matter where you go. When you get multiple quotes, you can compare options to make sure you're not paying more than you have to for comprehensive coverage.

What do Clearsurance users say about Esurance renters insurance?

As of December 23, 2020, Esurance renters insurance has a Clearsurance score of 3.81. (For the most up-to-date rankings, visit our renters insurance rankings).

When purchasing renters insurance, you want peace of mind that the process will be easy and that any potential claims will be handled appropriately. No reviews from Clearsurance users talked about the Esurance renters insurance claims process being slow, and less than 1% talked about having issues or problems with their policy.

One Clearsurance user who reviewed their Esurance renters insurance policy said, *“So far they have been easy to work with and helpful. If I have any trouble, which was once with billing after I moved, there are lots of ways to contact them. 24 hour phone system, email, web portal. It is convenient and the coverage is good for the price.”

Can you get a discount on Esurance renters coverage?

Just like with many other companies, by bundling other lines of insurance with Esurance, such as your car insurance, you can save on your insurance premium with a discount. Any time you mitigate the insurance company's costs or risk, you could pay less. It's the same reason auto insurance companies sometimes offer a defensive driver discount. You may also want to speak with an insurance agent after receiving your Esurance quote online to help you find any discounts for which you may qualify to get an affordable coverage.

Esurance advertises its average renters insurance policy is just $14 a month, and it may be less if you bundle. You can also lower your costs if you pay your whole premium at once. One Clearsurance user who bundled their renters and auto insurance said, “They are great. Was able to bundle over the phone and it actually lowered the out of pocket cost for my car insurance.”

Some of the different ways you can save money on your insurance products include:

-Multi-Policy Discount -Paid In Full Discount -Switch and Save Discount -Fast 5 Discount -Online Shoppers Discount -Homeowners Discount -Renters Plus Discount -Claim-Free Discount -and a variety of others!

How can Esurance renters insurance help you?

Some landlords will require their tenants to purchase renters insurance, but even those who aren't required to should look into buying a policy. Esurance renters insurance provides coverage at an affordable price for renters and protects you from having to pay to replace an entire apartment's worth of belongings.

If you live in dorms as a student, your parents' homeowners insurance may also cover you. If you live off campus, this will not apply. If you are unsure, your parents can call their homeowners insurance company to check. That way, you know if you need a policy with Esurance or another company.

You can also use their online customer service line to get help with any questions, and you can file claims online for either your renters or auto policy. They also are one of the few insurance providers that champion the mobile experience, making it easier for policyholders to do things like look at what accidents are covered, submit documents (like identification and papers for medical payments), verify their personal property, get quotes, pay their premium, and more. The website and mobile app have plenty of helpful content and online tools to improve the customer experience.

One Clearsurance reviewer summed up their Esurance renters insurance experience and said, “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.”

Can you save money on your renters policy with multiple quotes?

Renters insurance is a small cost that can pay off big if you need to make an insurance claim. Being covered in the case of a break-in or other disaster can take a large financial burden off your shoulders. It allows you to focus on other things like fixing your rental property or saving up for a home. It can even help you with additional living expenses during the time your home is being repaired.

If you live with roommates, remember you each need a separate policy. Renters policies do not cover multiple renters. If you have expensive jewelry or other high dollar items, standard coverage may not be enough on its own. This is when you'd want to get additional coverage on your quotes. While extra add-ons could cost a little more now, the right ones could save you more in the event of a claim.

Read other Esurance reviews to learn why people choose Esurance renters insurance and write a review if you’ve had an experience you want to share with the Clearsurance community. Also, be sure to check out Clearsurance's renters rankings page for the best renters insurance in your area.

Should you get an Esurance auto insurance quote with your renters policy?

If you're considering renters insurance with Esurance, get quotes to bundle your insurance products. See if Esurance auto insurance also makes sense for you. Similarly, if you get a quote from Geico or Progressive, make sure to couple those quotes with auto and renters. This way, you can compare like products.

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