Homeowners Insurance
Homeowners Insurance
Your home is more than a house - it's where life happens. See how ERIE can help protect what matters most.
Our coverage
No Gray Areas
We promise to explain your coverage and answer all your questions.
Support
We’ll be there–night or day–when you need us the most.
We've Got You Covered
We'll give you a choice of coverages that works best for you.
Living Expenses
We’ll help pay for additional living expenses, if you have to live somewhere else while your home is repaired.
Protection away from home
Your protection goes beyond your front door. Personal liability coverage can help protect you worldwide if you're responsible for injuries or property damage.
Customer testimonials
See what our customers have said about ERIE's home insurance and claims service.
Diversity
"Contacted my agent, he filed my homeowners claim, and an adjuster contacted me the same day. Could not be simpler or more timely."
Robert P.
Bensalem, PA
Robert P.
Bensalem, PA
Local Presence
"ERIE will be my insurance company for the rest of my life. They really helped me through one of the most traumatic experiences of my life."
Andrew J.
Clarksville, TN
Andrew J.
Clarksville, TN
GREAT SERVICE
"Great service and my adjuster walked me through the whole process. Very pleased, thank you for making a bad situation better."
Cassidy B.
Washington, DC
Cassidy B.
Washington, DC
Liability coverage
Personal property
Structure coverage
Helps protect you if you hurt someone or damage someone’s property.
Did you know?
Falls on icy walkways and dog bites are small things that can turn into bigger problems and even lawsuits. Your ERIE agent can help you make sure your family is protected properly.
Did you know?
Falls on icy walkways and dog bites are small things that can turn into bigger problems and even lawsuits. Your ERIE agent can help you make sure your family is protected properly.
Guaranteed replacement cost. No surprises.
It's nice to know that when something goes wrong, your coverage goes the distance.
Our agents
We have more than 14,00 agents dedicated to helping you choose coverage that's right for you.
Licensed Professionals
You can count on our agents to help you make good decisions about your insurance protections.
Local Presence
Our agents have offices in your neighborhood and are part of your community. Explore home insurance coverage by state.
Claims assistance
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
Discounts
Start with competitive prices, then add more ways to save.
A typical multi-policy discount is around 20%. There may be differences by state.
ERIE offers multi-policy discounts from 15% to 25%, depending on your state, when you insure your auto and home with us. Ask about ERIE’s multi-policy discount and other discounts to see what you could save.
Savings are based on individually purchased policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.
Featured ways to save*
Featured ways to save*
Fire, burglary alarm, sprinkler system credit
A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.
Advanced quote discount
Get a quote 7 to 60 days before your policy starts and you could save.
Multi-policy discount
Save on your auto and homeowners insurance with a qualified life insurance policy.
*All discounts are subject to eligibility criteria and applicable rates and rules.
Compare
We believe the proof is in the policy.
Our home insurance base policy includes many features that are better than a typical competition policy. Talk to an agent about ERIE's home insurance coverage.
feature | ERIE'S BASE POLICY[1] | TYPICAL COMPETITOR POLICY[2] |
|---|---|---|
feature 100% Guaranteed Replacement Cost[3] | ERIE'S BASE POLICY[1] True guaranteed replacement cost | TYPICAL COMPETITOR POLICY[2] Extended coverage with limits and qualifiers |
feature Personal Property Coverage | ERIE'S BASE POLICY[1] Extensive coverage, fewer exclusions | TYPICAL COMPETITOR POLICY[2] Fewer covered incidents, more exclusions |
feature Theft | ERIE'S BASE POLICY[1] Coverage includes lost or misplaced items | TYPICAL COMPETITOR POLICY[2] Fewer items covered, more exclusions |
feature Coverage for Valuables | ERIE'S BASE POLICY[1] Ample limits for jewelry, watches, precious stones and firearms | TYPICAL COMPETITOR POLICY[2] Lower limits for theft only |
feature Gift Card and Gift Certificate Reimbursement Coverage[4] | ERIE'S BASE POLICY[1] Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed | TYPICAL COMPETITOR POLICY[2] Typically not covered (or restricted if covered) |
feature Animals, Birds and Fish | ERIE'S BASE POLICY[1] Covered to $500 | TYPICAL COMPETITOR POLICY[2] Typically not covered (or restricted if covered) |
feature Cash and Precious Metals | ERIE'S BASE POLICY[1] Covered to $500 | TYPICAL COMPETITOR POLICY[2] Covered, but less than 50% of ERIE's dollar value |
feature Coverage for Hard-to-Replace Items | ERIE'S BASE POLICY[1] Covered items include accounts, bills, deeds, passports, etc. | TYPICAL COMPETITOR POLICY[2] Restrictive list of covered items, with significantly lower dollar limits |
