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LAST UPDATED: December 17th, 2020

Esurance was one of the first insurance companies to offer car insurance online. Since then, Esurance has expanded, offering car insurance in 43 states, plus homeowners, renters, motorcycle insurance, and more.

Tenants can quickly get the protection they need with Esurance's renters insurance. In fact, Esurance boasts that it only takes six minutes on average to get a quote.

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The Good

  • Competitive Rates
  • Standard Coverage Options
  • Customizable
  • Dependable Insurer
  • Convenient Features

Competitive Rates

On average, Esurance customers spend about $14 per month on renters insurance. While this isn't the lowest price in the industry, it is fairly competitive. Now customers should keep in mind that their monthly premium will vary depending on their level of coverage, estimated cost of valuables, and if they qualify for any discounts.

Standard Coverage Options

Esurance offers typical coverages with its renters insurance policies. These include personal property, personal liability, medical payments to others, and additional living expenses coverage.


Esurance doesn't believe that a renters insurance policy should be one-size-fits-all. Because of this, the company allows customers to decide what level of coverage is best for them.

Dependable Insurer

Esurance is a reliable insurance company. First, Esurance has received high financial strength ratings. These ratings indicate that Esurance is likely to be financially stable enough to meet its claims obligations. Second, Esurance is an Allstate company. Allstate is a well-known insurance provider that has also received good financial strength ratings.

Convenient Features

It's common for insurers to offer online quotes and claims filing in addition to the option to work with a person directly. Esurance is no exception. 

On its website, you can get an insurance quote, file a claim, and find a claims representative. These convenient features make it easy to purchase and use your renters insurance product.


The Bad

  • Limited Service Area
  • Must Use Homesite If Only Getting Renters Insurance
  • Insufficient Customer Reviews
  • 1 Discount Option

Limited Service Area

While Esurance may offer auto insurance in 43 states, renters insurance is a different story. Renters insurance is only available to the following 21 states:

  • Alabama
  • Arkansas
  • Georgia
  • Connecticut
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Louisiana
  • Missouri
  • Nebraska
  • New Jersey
  • Ohio
  • Oklahoma
  • Oregon
  • South Dakota
  • Tennessee
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin

Must Use Homesite If Only Getting Renters Insurance 

Esurance allows customers to get car and renters insurance. Or if the customer already has an auto policy with Esurance, they can tack on renters insurance, starting at $14 per month.

However, if customers want to purchase renters insurance on its own, the company has customers go through Homesite — a Property and Casualty Insurance Company. Although Homesite appears to be a legit insurance provider, it may be confusing for some customers as to why they are being directed to another company’s website.

Insufficient Customer Insight

Best Company has not received many Esurance renters insurance reviews. This lack of customer insight makes it difficult to gauge customer satisfaction.

1 Discount Option

Esurance offers one way to save with its renters insurance product. If you have Esurance car insurance and buy its renters insurance, you can get the Renters Plus® discount applied to your auto insurance policy.


The Bottom Line

Esurance is known for being a fairly tech-savvy insurance company. The company’s renters insurance coverage is reasonably straightforward — personal property, liability, medical payments, etc.— which is excellent for tenants looking for just basic coverage.

However, customers looking to buy just renters insurance from Esurance should be prepared to be redirected to the company’s partner site: Homesite.

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Mhorne182 Eagle Mountain, UT

Never had to file a claim but the insurance was affordable and heard good things about the claims teams.

4 years ago