Protect what you've got with enhanced renters insurance from ePremium Insurance. ePremium provides a more comprehensive renters insurance policy than can be found through traditional renters insurance providers. Liability coverage protects you in the event of negligent damage to your apartment, the community or other residents. Residents who are not covered will be responsible to pay for the damages from their personal assets. Your contents coverage protects your personal belongings and property. Fire and theft are the most common factors contributing to the loss or damage of your personal property.