An eRenterPlan charge on your bank or credit card statement is a monthly renters insurance premium, usually $15 to $20, that your apartment’s property manager enrolled you in through LeasingDesk Insurance Services. It appeared because you didn’t have a qualifying renters insurance policy on file at move-in, your previous policy lapsed, or you simply never uploaded proof of coverage to your property’s portal. You can replace it with a cheaper policy of your own choosing and cancel it, often with a prorated refund for the unused premium.
Why the Charge Showed Up
Most leases require you to carry renters insurance with a minimum liability limit for the entire tenancy. When the property manager’s system can’t verify your coverage, it enrolls you in an eRenterPlan policy to close the gap. This is sometimes called forced-placed or gap insurance, and it protects the property from exposure to uninsured liability for things like fire or water damage.
Three common triggers:
- You signed your lease without providing a declarations page from your own insurer.
- Your personal policy expired or was canceled, and the compliance system flagged the gap.
- You have coverage, but never uploaded proof to the property manager’s portal, so the system treated you as uninsured.
The premium is often added to your rent ledger rather than billed as a separate line item, which is why many tenants don’t notice it until they look closely at a statement.
Is It a Legitimate Policy?
Yes. eRenterPlan is a real renters insurance product sold by LeasingDesk Insurance Services, which is operated by Multifamily Internet Ventures, LLC, a subsidiary of RealPage, Inc.1eRenterPlan. Agency Licensing – eRenterPlan A typical plan includes $100,000 in personal liability coverage and personal property coverage at replacement cost, with a sample deductible of $250.2eRenterPlan. eRenterPlan – Insurance for Renters Your actual limits depend on what your property manager selected; check your welcome email or the eRenterPlan dashboard for the specifics on your policy.
The coverage is real. It also tends to cost more than what you’d pay shopping on your own, which is why most tenants who notice the charge choose to replace it.
How to Replace It With Your Own Policy
You can’t simply cancel eRenterPlan and leave yourself uninsured, because your lease requires continuous coverage. You need a replacement policy first. Four steps:
1. Buy a renters insurance policy from any insurer. It must meet the minimum liability limit in your lease. Most leases require at least $100,000, which is what eRenterPlan provides by default.2eRenterPlan. eRenterPlan – Insurance for Renters Check your lease’s insurance addendum for the exact figure.
2. Add your landlord or property management company as an Additional Interest. This doesn’t extend coverage to them. It just means they get automatic notifications if your policy ever lapses, which is how they verify ongoing compliance.
3. Get your declarations page. That’s the one-page summary from your new insurer showing coverage limits, policy dates, and the additional interest designation.
4. Upload the declarations page to your property’s compliance portal. Some properties use a dedicated tool; others accept uploads through the resident portal. If digital upload isn’t an option, send the document to your property management office with proof of delivery.
How to Cancel and Get a Refund
Once your replacement policy is verified by the property, you can cancel eRenterPlan. You’ll need your policy number, which is in your original welcome email or on your eRenterPlan dashboard.
Log into your account at erenterplan.com, find your active policy, and select the cancellation option. You can also cancel by calling customer service at (888) 512-4204.3eRenterPlan. FAQs – eRenterPlan Calling is worth the time if you want to confirm your replacement has been accepted and ask about a refund in the same conversation.
If you paid for coverage during a period when your own policy was already active, you may be entitled to a prorated refund of the unearned premium. eRenterPlan’s terms state that refunds are based on the actual coverage period and the unearned premium calculation.4eRenterPlan. Terms of Use – eRenterPlan Ask about this explicitly when you cancel. Refunds typically go back to the original payment method.
Check your next rent statement and bank statement to confirm the charge has stopped. If it hasn’t, contact both eRenterPlan and your property management office, because the billing sometimes flows through the property manager’s accounting rather than directly from eRenterPlan.
What Happens If You Just Stop Paying
Ignoring the charge instead of canceling it properly can cause problems that have nothing to do with insurance. When the premium is bundled into your rent ledger, an unpaid eRenterPlan charge can look like unpaid rent to your property manager’s accounting system. That matters, because unpaid rent is a much faster path to eviction than lacking insurance.
On the insurance side, unpaid premiums will eventually cause the policy to lapse. Because your lease requires continuous coverage, a lapse can trigger a lease violation notice or an administrative fee from your property manager.
Renters insurance premiums generally aren’t reported to credit bureaus. If an unpaid balance is sent to collections, though, the collections account itself can show up on your credit report. Either keep the eRenterPlan coverage or replace and cancel it properly.
If You’re Not a Renter at All
If you’ve never rented an apartment that uses RealPage and still see an eRenterPlan charge, treat it as a potentially unauthorized transaction. Contact your bank or card issuer to dispute the charge and request a new card number, then call eRenterPlan at (888) 512-4204 to report it and ask what account it’s attached to.3eRenterPlan. FAQs – eRenterPlan
If you are a current renter and simply weren’t told about the enrollment, the charge is almost certainly legitimate even if it was poorly communicated. The insurance addendum attached to your lease typically spells out both the coverage requirement and the property manager’s right to enroll you if you don’t provide your own policy.