North Carolina Homeowners Coverages

Your home may be the largest investment you ever make. We can help you protect it.

Homeowners insurance is designed to cover damage to your property (the home itself and the things you keep in it). It also protects you against liability for accidents that injure other people or damage their property.

Policy Options

With several homeowner products1 to choose from, there’s sure to be one that’s just right for you.

  Plus Form
HE 00 07
Special Form
HO 00 03
Broad Form
HO 00 02
Dwelling
(Your home)
• Guaranteed replacement cost

• Comprehensive perils coverage

• 
100% insurance to value required
• Replacement cost

• Comprehensive perils coverage


• 80% insurance to value required

• Replacement cost

• Named perils coverage

• 80% insurance to value required

Other Structures
(Structures detached from your home such as a garage, tool shed or gazebo)
• Replacement cost

• Comprehensive perils coverage

• 20% of dwelling limit
• Replacement cost

• Comprehensive perils coverage

• 10% of dwelling limit
• Replacement cost

• Named perils coverage

• 10% of dwelling limit
Personal Property
(Your belongings)
• Replacement cost

• $1000-$10,000 sub limits on various personal property items

• Comprehensive perils coverage
• Actual cash value2

• $200-$10,000 sub limits on various personal property items

• Named perils coverage
• Actual cash value2

• $200-$10,000 sub limits on various personal property items

• Named perils coverage
Loss of use If your home should become uninhabitable due to a covered loss, up to 20% of the dwelling amount will be paid for temporary living expenses.
Liability Bodily injury, personal injury and property damage liability Bodily injury and property damage liability

Understanding the Insurance Lingo

Here are a few terms to know as you review the coverage options:

• Replacement cost – Replacement cost is the cost to rebuild or replace the house with comparable materials.
• Guaranteed replacement cost – Means your home will be restored completely to its original state following a covered catastrophe.
• Actual cash value – An estimate of what the property or goods are worth (depreciation is factored) at the time of the accident or destruction of property. The property must be repaired or replaced before replacement cost coverage is paid.
• Perils – That’s an event—such as a fire or theft—that causes damage to your property. Either risks will be specifically listed (named perils coverage), or the policy will state that you’re covered against risks of direct physical loss, with the exception of those that are specifically excluded (comprehensive coverage). Insurance for flood, earthquake, water and sewer backup damage, for example, must be purchased separately.

Contact an ERIE Agent to learn more about ERIE’s homeowners coverage, discounts, claims service and the price of these policies. Your Agent can help you decide which amount of protection makes the most sense for you.

1See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.

2Replacement cost coverage can be purchased.

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