Esurance Renters Insurance Review: Pros & Cons, Pricing, and Features

Studenomics Score:  4 Out of 5 Stars

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I think that you'll agree that it can be stressful to look for the perfect renter's insurance policy.

We want to help you find a renter's insurance policy that's affordable and provides you with the coverage that you deserve. 

Esurance promises to make insurance surprisingly painless. They claim that renters insurance policies start at as low as $14/month and that you can get an insurance quote online in 6 minutes.

We all know what it’s like to try to find a renter’s insurance policy that's affordable and fair. It can be a struggle and you may even feel like giving up on getting renter's insurance coverage.

This is why we decided to write this Esurance Renters Insurance review to see if the claims are true.



Esurance has been offering a variety of insurance products since 1999. They were purchased by Allstate Insurance in 2011.

Known for:

  • Being a reliable company with low renters insurance rates.
  • They have an easy-to-use app for all of your insurance needs.
  • Many discounts are available to help you save money on renters insurance.

Financial Rating:

Esurance is rated A+ for financial strength by A.M Best.

Who is Esurance Renters Insurance?

Before we dig any further, let’s take a look at the company so that you know a little more about them.

Who is Esurance Insurance Services, Inc?

Esurance was founded in 1999 and purchased by Allstate in 2011. Esurance offers homeowners, renters, auto, and motorcycle insurance products in certain states across that country.

According to the official website, here's what Esurance promises about insurance:

"Let's be honest. Insurance can be painful. And complicated. And too expensive. But guess what? It doesn't have to be.

That's why Esurance is on a mission to make it simple, transparent, and affordable."

Our goal is to show you what the best renters insurance policies are out there so we decided to review Esurance.



Phone:  1-800-378-7262

Address:  P.O. Box 5250
Sioux Falls, SD 57117-5258

How Does Esurance Renters Insurance Work?

As you look through renter's insurance policies, we know that you're going to want to know how the company operates.

You go through the official Esurance website to obtain a renters insurance quote if you living a qualifying state.

From there, you can apply for discounts and customize your policy until you find a renters insurance policy that you're satisfied with.

You then become protected with Esurance. As a customer, you can manage your policy online easily (

We went through the entire sign up process and looked through reviews to see what others had to say about Esurance Renters Insurance.

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Bundle and Save Up to 50%

Save up to $850/year by bundling renters with car insurance.  Quick Online Quotes.  Compare & Save 50% on: Auto, Motorcycle, Home, Condo, & Renter.

It's free to apply!

Is Esurance Renters Insurance Good? 

We know that you want a decent renter's insurance policy so that you're comfortable with the level of coverage and protection that you receive.

We enjoyed how simple the entire process was of obtaining renters insurance quotes from Esurance.

The image below shows how Esurance helps you save some money on your renters insurance policy.

Nationwide Renters Insurance Review

Is Esurance Renters Insurance legit?

Is Esurance Renters Insurance legit? We took the time to go over the pricing, customer service, policy options, and the financial strength of the company.

In our experience, these factors will reveal everything that you could want to know about a renter’s insurance company.

Editor Review

Our editor's scores for Esurance Renters Insurance for pricing, customer service, policy options, and financial stability:

Studenomics Score: 4 Out of 5 Stars

PRICING SCORE:  5 Out of 5

How Much Does Esurance Renters Insurance Cost?

How much is Esurance Renters Insurance?

If you’re looking for the price of Esurance Renter’s Insurance, you can easily obtain a quote.

The official Esurance website touts that you can obtain a renter's insurance quote in 6 minutes and that you can find a policy for as low as $14/month.

 We went through the entire process to see if the pricing and the process were legit.

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Renters Insurance Starting at $5/month

No brokers, no paperwork, get a policy in seconds.  Zero Hassle, zero paperwork, zero worry. Join now!  Starting at $5/month.

It's free to apply!

How Much Is Esurance Renters Insurance?

We realize that cost is very important with a renter's insurance policy.

We scored a 5 here because whenever we looked for Esurance Renters Insurance quotes, we were able to find low rates with a decent value.

We always look at the monthly rate along with the coverage that you get. We were pleasantly surprised with how much personal property coverage a basin plan has ($15,0000).

Esurance Renters Insurance Quotes.

When looking through a renters insurance company, we obtain a few quotes to see what the rates are like.  We went through the entire sign up process with Esurance Renters Insurance so that you know what's in store for you.

Here are some of the questions that they’re going to ask to you for a renter’s insurance quote:

  • Basic personal information.
  • Marital status.
  • How long you’ve lived at this address.
  • What type of building it is.
  • How many other units are in the building.
  • The security of the building.
  • If you have any pets.
  • Your claims history.
  • They ask for your email address and phone number so that they can contact you with rates.

We couldn’t find a quote for Esurance Renters Insurance in New York because the company doesn’t operate in this state.

When we went to obtain a quote for California, we were redirected to the Allstate page. 

The price for a basic policy is $12/month or $139 upfront.

  1. You get $15,00 worth of personal property coverage.
  2. You get $100,000 in personal liability.
  3. You have a $500 deductible.

Please keep in mind that you can always customize your renter's insurance policy. Every plan is unique. 

The image below captures the basic renter's insurance policy that we found for San Francisco. Please keep in mind that your renter's insurance policy will depend on your claims history and where you live.

Esurance Renters Insurance Quote
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Pro Renters Insurance Tip

Renters insurance doesn't just cover the replacement of your belongings, but also protects you if someone gets hurt on your property.  Limits usually start at $100,000.

Is Esurance Renters Insurance Worth The Cost?

We try to look at the price and the value of a renter's insurance policy to determine if it's worth your money.

From what we could gather, Esurance is a reliable company which is backed by Allstate, so you don't have to worry about them going out of business.

You also can find a fair price on a customized policy to help you save money on your renter's insurance. 

Can I Bundle My Esurance Renters Insurance With My Auto Insurance?

The good news is that Esurance encourages you to bundle your insurance products.

You could bundle your life, boat, auto, and renters insurance all together under one umbrella so that you can simplify your financial life.

Studenomics Pricing Score:  5 out of 5

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Bundle and Save Up to 50%

Save up to $850/year by bundling renters with car insurance.  Quick Online Quotes.  Compare & Save 50% on: Auto, Motorcycle, Home, Condo, & Renter.

It's free to apply!


How is Esurance's Reputation for Service?

We looked through Glassdoor, BBB, and Reddit to see what real customers had to say about Esurance Renters Insurance.

We have found in our research that this is the best way to get the full picture of what a renter's insurance company is like. You're not just paying for the insurance. You also want the peace that comes with it.

Number of Ratings:  45

Glassdoor Rating:  73% would recommend

Number of Ratings:  723

Reddit Sentiment:  Neutral

Number of Comments:  There weren't many discussions about Esurance Renters Insurance

Esurance Renters Insurance Reddit Feedback

In our research, we've discovered that the best feedback is available by searching Esurance Renters Insurance Reddit to get a feel for what regular folks think about the renter's insurance coverage offered by Esurance.

The good news is that we didn't find any real negative threads on Esurance Renters Insurance Reddit so that means that there aren't that many complaints going around about this company.

This one Esurance Reddit thread below shows how one person was impressed with the low deductible option with Esurance Renters Insurance.

Esurance Renters Insurance Reddit

Another Esurance Renters Insurance Reddit discussion turned towards the reality of smaller companies being backed by bigger ones. There are pros and cons to every situation. The major benefit here is that you're backed by a bigger insurance company. 

Esurance Renters Insurance Review

Notable Quote From Nerd Wallet Against Esurance Renters Insurance:

“Esurance had close to the expected number of complaints to state regulators for auto insurance relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. It had far more than the expected number of complaints for home insurance."

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Renters Insurance Starting at $5/month

No brokers, no paperwork, get a policy in seconds.  Zero Hassle, zero paperwork, zero worry. Join now!  Starting at $5/month.

It's free to apply!

How Do You File a Esurance Renters Insurance Claim?

Let’s say that something were to happen and you have to file a claim. How do you go about doing this?

You have many options for filing a claim with Esurance Renters Insurance:

  1. 1-800-378-7262.
  2. Online through the website.
  3. With your local claims agent.

They’re going to ask for the following information when you file a renter’s insurance claim with Esurance:

  • Policy number.
  • Date of the incident.
  • Details about the incident.

Studenomics Customer Service Score:  4 out of 5


What Does Esurance Renters Insurance Cover?

What does Esurance Renters Insurance cover?

It’s important to note that your coverage will vary based on the state that you live with and which insurance company you choose to go with.

The reason that we scored a 3 here is because Esurance isn't offered in every state. 

You should check out our Allstate Renters Insurance review for more on them since they own Esurance.

What does Esurance Renters Insurance cover?

Personal property.

This will cover your valuables if they were to get damaged or stolen due to an insured loss. This protects everything from your new pair of jeans to your laptop that you couldn't live without.

Personal liability.

You'll be protected personally if someone were to sue you or if you were to get into legal troubles due to a covered loss that occurs on your property. This is usually at about $100,000 to cover your legal fees.

Medical payment to others.

If someone were to get injured on your property, this would cover their medical fees so that you don't have to pay out of pocket.

Additional living expenses.

If you can't live in your unit due to a covered loss, you'll expenses would be covered. You could live in a hotel and have your meals covered thanks to your renter's insurance policy.

The image below is a brief summary from the official website on what Esurance Renters Insurance covers.

Esurance Renters Review

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Bundle and Save Up to 50%

Save up to $850/year by bundling renters with car insurance.  Quick Online Quotes.  Compare & Save 50% on: Auto, Motorcycle, Home, Condo, & Renter.

It's free to apply!

What Isn’t Covered By My Esurance Renters Insurance Policy?

What’s not covered with your basic Esurance Renters Insurance policy? It's important to look at what kind of coverage you're missing.

  • Roommates. Every person living in the unit needs their own renter's insurance policy.
  • Operating a business. Do you plan on running a business out of your unit? 
  • Earthquakes and natural disasters are usually not covered.

Once again it's important to remind you that your coverage will depend on the state that you live in and the details of your policy.

Can I Add My Roommate?

Can you add your roommate to your Esurance Insurance?

Yes, you can. When you apply for a renter's insurance quote, they're going to ask you about who lives in the unit with you. It's important that you fill in all of the details so that everyone living in the unit is covered.



Lemonade Renters Insurance

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Starting at $14/mth

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Starting at $13/mth

Personal Property Coverage

(Starts At:)




A.M. Best Rating

(Financial Strength)




BBB Rating




Claims Process




Best for:

Many discounts

Quick online purchasing

Lowest Cost

Studenomics Rating

4 Stars

4.75 Stars

Read Full Review

4.6 Stars

Read Full Review

Studenomics Policy Options Score:  3 out of 5

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Renters Insurance Starting at $5/month

No brokers, no paperwork, get a policy in seconds.  Zero Hassle, zero paperwork, zero worry. Join now!  Starting at $5/month.

It's free to apply!


What is Esurance's Financial Rating?

We always look over the financial strength of an insurance company because we want to see what would happen in the worst case scenario. You want to ensure that you're fully protected at all times.

Esurance scored an A+ score with A.M Best, which is a very strong rating and it means that the company is financially stable.

Esurance was purchased by Allstate so that would help them financially cover any claims. This backing is important because many users are often skeptical with relying on a smaller insurance company for their coverage.

Studenomics Financial Strength Score:  4 out of 5

Pros and Cons of Esurance Renters Insurance?

Every renter’s insurance policy comes with unique positives and negatives for customers to think about.

What are the pros and cons of Esurance Renters Insurance?


  • 24/7 claims available online so you don't have to stress.
  • Easy to obtain a quote online so you can browse options.
  • Discounts offered so you can find a low rate.
  • Backed by Allstate Insurance.


  • Not available in all states.
  • Customer service issues have been reported.

Does Esurance Offer Insurance In My State?

Unfortunately, Esurance isn’t offered in every state. They do work with partners though so that you find a renters insurance policy through the website possibly.

These are the states where Esurance offers renters insurance currently:

Esurance Renters Review

You can also check the best renters insurance rates by state using the map below.

How can you cancel your Esurance Renters Insurance?

How do you cancel your Esurance Renters Insurance policy? 

There are a few options here if you're ready to switch renters insurance providers:

  • Call 1-800-ESURANCE (1-800-378-7262).
  • Contact your local agent to discuss your options.

At this point, we must stress that you should look into renter's insurance so that you're covered and protected at all times.

Final thoughts on Esurance Renters Insurance.

That’s our Esurance Renters Insurance review. We took a look at the important details behind an insurance company so that you have all of the information to make a decision on renters insurance.

If you live in a qualifying state and are looking for a basic renter’s insurance policy at a low rate, then Esurance is a good option.

Good luck with your hunt for the ideal renter's insurance policy for your situation.

Studenomics Official Logo

Renters Insurance Starting at $5/month

No brokers, no paperwork, get a policy in seconds.  Zero Hassle, zero paperwork, zero worry. Join now!  Starting at $5/month.

It's free to apply!

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