Are you comparing Apples to Apples?
When comparing the eRenterPlan policy to those offered by independent agents
there is a lot more to its value than just the price!
- As a resident or prospective resident you are pre-approved for eRenterPlan just by living
at our community. You can have a policy in less than 3 minutes! There isn’t an application to
complete, and no individual underwriting. Enrollment may be submitted by you through our
eRenterPlan website. Most providers will require a 3-4 page application with various underwriting
questions and often require a credit check. The rate other providers charge is based on many factors,
including the response to all of these questions, your credit score, your driving record, the zip code of
the property, etc.
- Our residents will NOT receive a premium increase for claims filed with eRenterPlan . All
residents will pay the same rate for the same coverage. If the renter’s insurance policy is tied to an
auto policy, an auto accident may cause an increase in the renter’s insurance premium. Likewise, a
claim on the renter’s insurance may cause their auto premium to increase.
- eRenterPlan allows up to 5 named insured with different last names -Great for roommates!
Most providers won’t write a single policy for un-married couples; each has to obtain their own policy.
- eRenterPlan has Replacement Cost coverage. Many lower rate policies are Actual Cost Value (ACV).
This means you only receive the depreciated value of the damaged or lost item, not the cost to REPLACE
the item at today’s price. This is the most common coverage removed to lower the premium!
- Theft vs. Burglary: Most insurance policies provide protection for Burglary (forced entry) and won’t
cover items lost from Theft (mysterious disappearance). eRenterPlan has protection for Theft & Burglary
- eRenterPlan includes Dog Bite Coverage - Many policies will either exclude this coverage all together or
exclude breeds. eRenterPlan covers all breeds.
- eRenterPlan will pay for damages to your personal belongings for roof leaks. Most policies
exclude roof leak coverage unless caused by a heavy wind or wind-driven rain storms. If your roof
leaks from a typical rain or a broken lawn sprinkler spraying on the roof, etc. you are covered.
- eRenterPlan covers anyone named on the lease –We will cover anyone named on the lease, even if they
aren’t named on the policy – We will also cover “welcomed guests”.
- eRenterPlan premiums can be paid monthly via debit/credit card or checking account. Many
other insurance companies require annual or bi-annual premium payments upfront to initiate the policy.
So sign up now at: and begin protecting your personal property!
If you choose to use another insurance company, your policy MUST include the property as an “Interested Party” NOT additional insured. It should read as follow:
Property Name - Management Company
PO Box 115009
Carrollton TX 75011-5009