Frequently Asked Questions

These are some of the most commonly asked questions about renter’s insurance. Click here for a glossary of insurance terms.

Why do I need renter's insurance? Your apartment community is generally not responsible for your property and does not insure your personal possessions. In addition, you can be held responsible for loss or damage that you accidentally cause to others, including the owners of your apartment community.

Are my belongings covered when I move? Yes, your personal property is covered anywhere in the United States. However, when your property is away from the premises the coverage amount is generally limited to 10 to 20% of the personal property amount noted on the declarations page of your insurance policy (refer to your policy for specific details).

I have all of my personal property in a storage unit offsite, am I still covered? Yes, your personal property is covered anywhere in the United States. However, when your property is away from the premises the coverage amount is generally limited to 10 to 20% of the personal property amount noted on the declarations page of your insurance policy (refer to your policy for specific details).

Do I need to document the items I own? Do I need receipts for my personal property? It is a good idea to video-tape, take pictures or save receipts for personal property in case of a loss. Any records should be kept in a fire proof safe at home or in a bank's safe deposit box along with serial numbers and receipts of expensive items. You can obtain an electronic version of our Personal Property Inventory List by contacting Customer Care Department at 888.205.8118.

If my dog bites someone am I covered? Yes! eRenterPlan is one of the few policies that includes dog bite liability coverage with no breed restrictions.

Does eRenterPlan cover flood damage? eRenterPlan Insurance does not cover water damage as a result of flood, which includes the accumulation of surface water in normally dry land areas, overflow of a body of water, or water below the surface of the ground. However, it does generally cover accidental discharge or overflow of water from within a plumbing, heating, air-conditioning or automatic fire-sprinkler system or from within a household appliance. For more information about flood insurance, contact the National Flood Insurance Program.

Am I locked-in to the policy for any specific length of time? No. Outside of any lease conditions your landlord may require for you to maintain insurance, you are under no obligation to maintain your policy. You can cancel your policy at anytime and you will receive a refund of any un-earned premium.