Resident Insurance & Security Deposit Solutions for Multifamily and Single-Family Rental Properties

See how ePremium® Insurance Agency can protect you and your residents. Our agency makes insurance coverages available to property managers responsible for over 2 million units and is licensed in all 50 states.

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Real Results from Real Customers

Seamless Integrations to Simplify Daily Operations

Scalable liability solutions that protect your properties, streamline property management operations, and reduce your risk exposure

Streamline property management operations and reduce risk exposure

Integrating with leading Property Management Systems, IRIS is an efficient and user-friendly policy tracking and monitoring platform that can allow for streamlined account setup and access to data in one platform

Best-in-class products to protect your property

Deflecting resident-caused damage away from the property asset through a mandated renters insurance program provides significant financial protection for residential real estate owners and operators

Mitigate risks faced by renters, property managers, landlords, and property owners

We offer curated, top-tier solutions encompassing renters insurance, liability, and security deposit alternatives
We empower management companies through our web-based software with a comprehensive suite of tools designed to shift risk away from property assets, ultimately enhancing organizational profitability

Self-reporting that provides a real-time view of compliance for residents

View a real-time data sync to renters policies, coverage data on master policies, claims reports, and participation reports
Receive notifications from IRIS for uploads, cancellations, and validations
Schedule monthly reporting that emails directly

Curated, top-tier solutions across renters insurance, liability, and security deposit alternatives

Enhanced master liability insurance that covers commonly occurring resident-caused damage

Protect: All units protected all the time from the infrequent large catastrophic losses to the more frequently occurring resident-caused unit damage.

Save time with our online renters insurance upload for residents
Remove administrative overhead
Provides an opportunity to generate significant ancillary revenue

Protect Plus: All the features of Protect, plus validates your resident’s third-party insurance to ensure it’s compliant with your lease requirements and currently in place

Based on the validation of 3rd party insurance:
- Auto coverage endorsement on your property master liability policy to protect from covered losses of lapsed coverage
- Auto-activation of insurance coverage on your property master liability policy for any resident out of compliance

Protect Advantage: The most efficient method to cover all occupied units. Property managers can include property damage coverage through lease agreements

Property damage coverage for all occupied units
Provides an opportunity to generate significant ancillary revenue
Flexible coverage options with coverage as low as $5K
Protects commercial property insurance and may lower premiums

Point of Lease: During lease signing, residents elect to satisfy the liability insurance requirement through a monthly waiver fee that may be used by the property manager to pay the policy premium for the unit.

Easier for residents to meet the insurance requirements of lease
An inexpensive option for the resident without the need for individual underwriting
Can be paired with other programs to create a robust risk mitigation solution
The property manager knows that lease requirements are always fulfilled if the resident opts in
Ancillary revenue opportunity for management

Renters insurance, or HO-4 coverage, designed to maximize protection for each residential unit

Comprehensive insurance policy that addresses more frequently occurring unit damage and plugs some of the common exclusions found through other 3rd-party insurance agencies
Maximum protection for each unit from resident-caused damage
Additional coverages are available to benefit both owners and renters
Comprehensive content coverage for residents that includes replacement costs for their personal belongings and loss of use should a resident be displaced from their apartment home
From $25k to $300k liability coverage available with no additional underwriting requirements

Make renting more affordable and reduce bad debt with our security deposit alternative

When prospects are offered the choice of Deposit Select, more than 80% choose Deposit Select vs. a traditional cash deposit
With Deposit Select:
- Drive ancillary revenue
- Increase your NOI
- Decrease bad debt
- Drive leasing velocity
- Expand the prospective resident pool
- Improve the leasing process
- Deposit Select runs throughout the term of tenancy
- Tailored coverage customizable for each property and/or approval type
- Covers the community for up to 2 months of gross rental income, utilities, monthly recurring charges, and physical damage
- Provides coverage to offset legal fees in the event of an eviction
- All residents in our partner communities are pre-approved to use this program as a deposit option

Capture ancillary income from premiums, cover risks that would otherwise not be insurable, and enjoy tax saving opportunities through our captive insurance program for large property management companies

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