ePremium Insurance
ePremium Insurance is a privately held, nationwide-licensed insurance agency that distributes enhanced renters insurance and a security-deposit alternative (eDeposit) to multifamily and single-family renters through thousands of property management company partners, supplemented by a portfolio of partner-distributed ancillary insurance products.
- Company typePrivate
- Founded2005
- HeadquartersMason, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What ePremium Insurance does
ePremium Insurance Agency, LLC is a U.S.-licensed insurance agency specializing in renters insurance for the multifamily and single-family rental housing industry. Founded in 2005 and headquartered in Mason, Ohio, the company distributes enhanced renters insurance policies on behalf of top national insurance carriers, partnering with thousands of property management companies nationwide and serving hundreds of thousands of renters. Residents at partner locations are pre-qualified for enhanced policies at preferred group rates, and the company also offers direct online enrollment via ZIP-code-based self-serve flows. The firm is licensed in all 50 states and operates an enterprise client portal, IRIS (Integrated Renters Insurance Solution), through which leasing offices and property managers track resident insurance compliance and manage coverage verification.
The company's core product stack consists of enhanced Renters Insurance (one-year terms, monthly auto-draft, average premium $11-$22) and the eDeposit Security Deposit Alternative — a one-time non-refundable fee product bundled with insurance under the RentersPLUS program and serviced through a separate Delaware entity, ePremium Services, LLC. Beyond these core offerings, ePremium distributes 8+ ancillary insurance products through partner relationships, including auto insurance, auto warranty (Fair), jewelry insurance (Jewelers Mutual), device protection (Bolt), term and final expense life insurance (COVR), pet insurance (Odie) and pet healthcare (United Pet Care), travel insurance (Rental Guardian), and cyber protection (Upfort). Technology is a web-based enrollment platform integrated with the IRIS compliance portal for B2B clients; no AI, ML, or developer-facing APIs are documented.
Revenue mechanics are agency-based: ePremium earns commission on premium placed with carrier partners on a recurring annual-renewal basis, one-time fees on the eDeposit product (with a ~$5 processing fee retained), and affiliate/referral compensation on partner products. The company is privately held with no disclosed external funding or M&A activity, operating as a bootstrapped, category-specialist insurance agency with nationwide regulatory footprint but no parent company or institutional investor.
ePremium Insurance firmographics
Firmographics- Name
- ePremium Insurance
- Legal name
- ePremium Insurance Agency, LLC
- Website
- https://epremiuminsurance.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ePremium Insurance is a privately held, nationwide-licensed insurance agency that distributes enhanced renters insurance and a security-deposit alternative (eDeposit) to multifamily and single-family renters through thousands of property management company partners, supplemented by a portfolio of partner-distributed ancillary insurance products.
- Ownership category
- akta.pro rank
ePremium Insurance industry classification
Industry- Product category
- Renters Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where ePremium Insurance is headquartered
LocationHeadquarters
- HQ city
- Mason
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ePremium Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Others
Revenue model
- Renters Insurance Policies: ePremium arranges and sells renters insurance policies in partnership with top national insurance carriers. Policies are issued for one-year terms with automatic annual renewal. Monthly payments are authorized for automatic draft upon initial policy enrollment. The company acts as a licensed insurance producer collecting premiums on behalf of insurance underwriters.
- eDeposit Security Deposit Alternative: ePremium collects a one-time, non-refundable fee for the eDeposit program on behalf of the apartment community/property manager. The fee (plus a processing fee, usually $5) is collected by ePremium and remitted to the property management company. This fee does not constitute an insurance premium.
- Partner Insurance Products (Auto, Jewelry, Device, Life, Pet, Travel, Cyber): ePremium offers additional insurance products through partner providers including auto insurance, auto warranty, jewelry insurance, device protection, term life insurance, final expense insurance, pet insurance, pet healthcare, travel insurance, and cyber protection. ePremium receives compensation based on premiums of insurance policies sold through these partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Renters Insurance - Average policy cost ranges from $11-$22 per month depending on state and coverage level selected. |
| One time/ perpetual license | Pay-as-you-go | eDeposit Security Deposit Alternative - One-time non-refundable fee considerably less than traditional security deposit, plus approximately $5 processing fee. |
| Other | Monthly | Partner insurance products - Auto, jewelry, device, life, pet, travel, and cyber insurance products offered through third-party partners. |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
ePremium Insurance product offering
Product offeringCore offering
ePremium Insurance Agency is a licensed insurance producer that arranges and sells enhanced renters insurance policies on behalf of top national insurance carriers, primarily for residents of multifamily and single-family rental properties at partnered communities. The company also offers the eDeposit Security Deposit Alternative, a one-time non-refundable program that replaces traditional security deposits and is bundled with renters insurance under the RentersPLUS program. Through its IRIS portal, ePremium provides property management clients with resident insurance compliance tracking and policy management tools.
Product overview
ePremium Insurance Agency operates as an insurance agency specializing in renters insurance for multifamily and single-family rental properties, offering both core proprietary products and a portfolio of partner insurance products. The core offerings are the enhanced Renters Insurance policy and the eDeposit Security Deposit Alternative (part of RentersPLUS program), which work together to satisfy lease requirements while lowering move-in costs. The company also distributes additional insurance products through partner relationships including auto insurance, auto warranty, jewelry insurance, device protection, life insurance (term and final expense), pet insurance/healthcare, travel insurance, and cyber protection. The IRIS platform provides a client portal for property management companies to manage insurance programs.
Differentiator
Problem solved
Functional benefit
Brands
- IRIS (Integrated Renters Insurance Solution): Online platform for leasing office and property management clients to manage renters insurance policies.
- RentersPLUS
- eDeposit
Products and services
- Enhanced Renters Insurance
Companies that use ePremium Insurance
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
ePremium Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ePremium Insurance partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Top National Insurance CarrierscoreePremium works with several top national insurance carriers to offer renters insurance policies that address frequently occurring damages often seen at rental properties. These partnerships allow ePremium to provide comprehensive coverage through their agency.
- eDeposit Program ProviderscoreePremium works with program providers to develop the eDeposit Security Deposit Alternative. eDeposit is a protection product that replaces traditional security deposits for renters.
- Fair WarrantyminorFair provides auto warranty products offered through ePremium. Fair covers roadside assistance and unexpected repairs, offering coverage starting at $29 per month with a $100 deductible.
- Jewelers MutualminorJewelers Mutual provides jewelry insurance through ePremium's platform. The partnership allows ePremium to offer coverage for precious jewelry through a specialized insurer.
- Bolt InsuranceminorBolt provides device protection plans for smartphones and electronics through ePremium. While not an insurance policy, Bolt's plans offer comprehensive device protection for quick reconnection.
- Odie (Pet Insurance)minorOdie provides pet insurance through ePremium, helping remove the financial burden of veterinary costs. Pet parents can focus on providing recommended treatments with pet health coverage.
- United Pet CareminorUnited Pet Care provides affordable pet healthcare plans including 24/7 virtual pet care, prescription savings, and 20-50% savings at in-network vets through ePremium's UPC Essential and UPC Complete plans.
- Rental GuardianminorRental Guardian provides travel insurance through ePremium, covering trip cancellation, baggage mishaps, medical expenses, and evacuation costs for unexpected travel circumstances.
- UpfortminorUpfort provides cyber protection for renters through ePremium, including identity fraud protection, device hack coverage, online threat monitoring, and up to $1 million in identity theft insurance.
- COVR Financial TechnologiesminorCOVR provides term life insurance and final expense insurance through ePremium. Term life insurance offers fixed cost death benefits for 10-40 years, while final expense insurance covers end-of-life costs.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
ePremium Insurance competitors and assessment
Company assessmentDirect peers
- Jetty: Jetty is a renter-focused insurance and financial services platform that partners with property managers to offer renters insurance and deposit alternatives, closely mirroring ePremium's product set (renters + security deposit alternative) and B2B2C distribution approach.
- Assurant (Assurant Connect / AssurantRenters): Through Assurant Connect, Assurant runs one of the most established renter insurance programs marketed directly through property management companies and apartment operators, making it the most direct large-scale competitor to ePremium's agency-based distribution model.
Emerging players
- Bungalow: Bungalow is a co-living and rental housing operator that bundles renter-facing services and insurance-like protections into its leases, representing a property-manager-side platform that increasingly competes for the resident insurance and deposit experience.
- Slide Insurance: Slide is a tech-enabled homeowners and renters insurer leveraging aerial and property data to underwrite more accurately; while focused on homeowners, its renters product and analytics-driven approach represent an emerging competitive threat in digital distribution.
- Hippo Insurance: Hippo is a digital-first home and renters insurer that sells through partner ecosystems and direct channels, using smart-home data and embedded distribution — a comparable tech-forward model in the broader personal property insurance space.
- Roof (formerly Geo) — Roam: Roof/Renter's insurance is a digital-first brand built for apartment residents and the renter demographic, marketing renters insurance directly to the same end customer ePremium serves via property manager partnerships.
Broad incumbents
- Lemonade: Lemonade is a direct-to-consumer digital insurer with a national renters insurance product and a strong mobile experience; it competes for the same end renter, typically through a direct (non-property-manager) channel, and sets price and UX benchmarks for the category.
- American Family Insurance: American Family is a national personal lines carrier offering renters insurance through agents and direct channels, and is a natural competitor for the same renter customer that property managers route to ePremium.
- State Farm: State Farm is a national broad-line personal lines carrier that distributes renters insurance through captive agents and online, representing the incumbent option property managers and renters compare ePremium's enhanced policies against.
- Liberty Mutual: Liberty Mutual underwrites and distributes renters insurance nationally through digital and agent channels, including partnership programs for property management and student housing, and is a likely carrier counterparty or competitor to ePremium's panel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
ePremium Insurance social profiles
Digital presenceePremium Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
ePremium Insurance leadership team
Management profileNumber of profiles
Profiles3 records
ePremium Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ePremium Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ePremium Insurance
What does ePremium Insurance do?
ePremium Insurance Agency is a licensed insurance producer that arranges and sells enhanced renters insurance policies on behalf of top national insurance carriers, primarily for residents of multifamily and single-family rental properties at partnered communities. The company also offers the eDeposit Security Deposit Alternative, a one-time non-refundable program that replaces traditional security deposits and is bundled with renters insurance under the RentersPLUS program. Through its IRIS portal, ePremium provides property management clients with resident insurance compliance tracking and policy management tools.
Is ePremium Insurance a public or private company?
ePremium Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ePremium Insurance founded?
ePremium Insurance was founded in 2005. It employs 101 to 250 people.
Where is ePremium Insurance based?
ePremium Insurance is headquartered in Mason, United States, in the North America region.
How does ePremium Insurance make money?
Three revenue lines are on record. Renters Insurance Policies are the primary driver. The others are eDeposit Security Deposit Alternative and partner Insurance Products (Auto, Jewelry, Device, Life, Pet, Travel, Cyber).
Who are ePremium Insurance's main competitors?
Direct peers on record are Jetty and Assurant (Assurant Connect / AssurantRenters). Emerging players are Bungalow, Slide Insurance, Hippo Insurance and Roof (formerly Geo) — Roam. Broad incumbents are Lemonade, American Family Insurance, State Farm and Liberty Mutual.
Does ePremium Insurance have an API?
No public API is recorded for ePremium Insurance.
What industry is ePremium Insurance in?
ePremium Insurance's product category is Renters Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524210 and its SIC code is 6411.