ePremium Renters

Renters Insurance

Enhanced renters insurance for the residential housing industry

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ePremium Renters offers enhanced renters insurance, or HO4 coverage, which has been designed to maximize protection for each unit from resident-caused damage while also making available robust contents coverage for each resident’s personal belongings.

What Coverages Are Included?

Liability Coverages

Coverage for Common Damages

Liability coverage for resident-caused accidental property damage including fire (including kitchen fire, hot pan burns, and cigarette burns), water (including damage to the unit of origin), smoke, and explosion.

Optional Coverages

Additional Coverages For Both Parties

Resident-caused water damage, including resident’s unit. Pet damage of up to $500 per occurrence. Bed bug remediation expenses up to $1000 in coverage. Biohazard clean-up of $2,000. Additional Living Expenses up to $2,000.

Covered Perils

Personal Contents Coverage

Coverage anywhere in the world for damage or losses due to fire, lightning, windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, malicious mischief, theft, falling objects, overflow of water, and more.

Benefits of HO4 Coverage

ePremium utilizes a more comprehensive insurance policy that addresses more frequently occurring unit damage and plugs some of the common exclusions found through other third-party insurance agencies. Continue reading to discover additional benefits of ePremium Renters Insurance:

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

Learn More

Curious to discover how our insurance programs can benefit your apartment communities or single-family rentals? Allow us to arrange a conversation with one of our sales associates who can kickstart your journey!