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I signed up for a renters insurance policy, underwritten by Merkel, in February for my new apartment. The signup process was very simple and straightforward. Unfortunately, I had to file a claim for water damage at the end of March/beginning of April. The claims process has been horrendous. We have been told our claim is declined 3 times, then each time get a call back requesting more information followed by another denial. The time we have spent trying to get this sorted has been excessive. The representatives assigned to our claim have been so far from helpful that it’s absurd. Don’t walk, run, away from this company!
They are the worse insurance company with the worst customer service. They don’t tell you any of the policies and end up charging you more after the lease is finished. When I called to get a refund they were very unhelpful. Do not use this company for insurance.
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I rented a furnished apartment for 90 days and bought renters through the property management company's website. They used ResidentInsure. Even though I moved out when my lease expired they charged my credit card again and I didn't notice it until they did a second time 90 days after I moved out. They would not refund the 90 day premium even though I did not live in the apartment or could not file a claim. How is this legal?
They did not cancel my policy from the phone call that I had with them, and charged me an extra auto renewal payment. I went online and cancelled my payment. They then charged me again. The customer service was terrible and unhelpful. They do not value you as a customer and do not think that you have the ability to stop them from doing wrong. Do not use anything provided by this company.
I had ResidentInsure for my renters' insurance while in an apartment for a year. They automatically renewed a year payment on January 1st when my lease was for a year from mid-January to mid-January. When I got around to rectifying the situation, they would not reimburse from the date that I moved out. I have never had this issue with any legitimate insurance company. Stay away!
I have moved close to 8 times for work in the last 3 years so I am very familiar with how reputable insurance companies operate. I signed up for renter's insurance because it was recommended by the apartment I stayed at. I absolutely cancelled my policy upon moving out in 2018 but got an email this week (2020) saying my policy was due for auto renewal. However, they couldn't find my phone number in the call logs of a supposed system that of course only they have visibility to. Regardless, even if I had forgotten to notify them every single insurance company I have dealt with previously such as Geico, Travellers, or their 3rd party handlers have had zero issue reimbursing me for the time after my lease ended.
How can you possibly charge someone renters insurance for a place that another person inhabits? I spoke with a young man named Eric who says this company is located in Utah, and apparently he is the manager of this company and there is no formal Escalations department because this is not a legitimate company. Rarely have I seen such poor customer service and attempt to nickle and dime individuals, only Frontier Communications was this crooked, and at least they had an escalations department that I was able to eventually have months of overcharging reimbursed. Please do not use this company ever for your own sanity. There are so many better insurance companies out there that treat people fairly and don't attempt to scam them.
I rented an flat through Resident Insure but I didn't liked the flat and the Resident Insure send my money back in our bank account. Very safe and trustworthy company! If you want to stay safe use this company, if there are any problems and you don`t like you will receive your money back.
We used this insurance for a year as recommended by our landlord. I can't speak for the quality of the insurance itself as we never had a need to file a claim. However, as others have mentioned, the company forces you into an annual auto-renew that you can't opt out of. There is no way to cancel this auto-renew. Having read reviews prior to signing up, I was well prepared and used a credit card with an expiration of less than a year to ensure they couldn't steal an extra annual payment. But I also tried doing things correctly; I ended my service online well before the renew process took place and I called their customer service asking twice for verbal confirmation that I would not be charged. Despite this, a month later I just received a "payment failed" notification in my inbox. They actually tried to charge me.
There's no way this can be legal, and I'm sure someone with more motivation with me could probably contact an appropriate source to report this activity. But until that white knight shows up, be sure to use some form of payment that will be invalid in less than a year if you want to avoid being charged twice. Better yet, just pick one of the 42 billion other renters insurance companies out there. ResidentInsure doesn't deserve your business.
ResidentInsure is borderline criminal. They insure a lot of college students off campus housing, almost always these students' rentals are one short school year and done with the rental. Yet the ResidentInsure policies apparently auto renew a 2nd year. So bogus because they know these are college students 100% graduating and moving out. Their attempt to recharge our credit card was thankfully declined by our bank because the charge looked suspicious. And because they had an older cc expiration date. What about all the folks/parents who are now getting cc charges and not even noticing? Beware of these crooks.
I moved out of my apartment 8 months ago and cancelled ResidentInsure via phone. Today I got an email letting me know that I had an automatic payment about to be processed. I called to see what was going on and apparently the policy was never cancelled. I was able to cancel today, but the person I spoke with would not issue the prorated reimbursement for the months I was not using the policy. That's easily $150 out the window. Extremely dissatisfied and will not use this company again!
ResidentInsure author review by Matthew Brodsky
ResidentInsure is an independant insurance company that caters to the multi-family housing market with their exclusive renters insurance program. The company’s goal was to create an easy process to get the insurance policy you need, and at the price you can afford.
Coverage: ResidentInsure has coverage options over liability claims, fire and smoke damage, water damage, theft and burglary and electrical damage.
The process: To insure that people can receive renters insurance quickly, ResidentInsure has cut out the lengthy application process and have put it all into a simple four step quote process.
Get a quote: To start the process to get renters insurance, users can click on the “Get Quote” button after entering a personal home zip code. From there, users must enter the date coverage should start and a contact e-mail address.
Coverage details: The second step asks users to select the amount of liability coverage they need, how much their personal content is worth and the price of their deductible. It also gives you additional options asking about replacement costs, theft coverage, water backup and earthquake coverage.
Customer information: Finally, users must submit a few items of personal information to complete the process. When this is entered, ResidentInsure provides the best coverage options and price based on each users unique criteria.
ResidentInsure Company Information
- Company Name:
- United States
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