Helps protect your home’s exterior from the weather, fire and other sources of damage.
DID YOU KNOW?
If your home was destroyed, you'd want enough insurance to rebuild—at current construction costs. An ERIE agent can help make sure you have just what you need and want.
Protects items inside your home from damage, theft and loss.
DID YOU KNOW?
The average cost of a fire claim is nearly $40,000. Your ERIE agent can help you with your coverage and identify high-value items that need extra protection on your policy.
Source: Insurance Information Institute
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.
We strive to exceed your expectations and provide service with a human touch.
We hold ourselves to a high standard with every Erie Insurance homeowners policy.
It’s nice to know that when something goes wrong, your coverage goes the distance.
GUARANTEED REPLACEMENT COST.
Many homeowners don’t realize that actual cash value policies
subtract for wear and tear and depreciation.
With our Guaranteed Replacement Cost coverage,
you’re covered —even if you need to rebuild your entire home.2
1Sixty-four percent of homes are undervalued - and potentially underinsured - by 19%, according to Marshall & Swift/Boeckh, a leading provider of building cost data to real estate professionals. 2Guaranteed Replacement Cost applies to dwelling and requires home improvements over $5,000 to be reported within 90 days - not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to an ERIE agent for more information.
Customize Your Coverage
Every home is different, so get what's right for yours.
To get started on your quote, tell us what's important to you. Select the coverages that you'd like to discuss with a local agent.
Coverage for backup through sewers, drains and sump pumps.
Coverage for flood damage. Home insurance doesn't cover flood damage, but an agent can help you find the right flood policy.
Coverage for damage to your home or property caused by earthquake.
Coverage for damage to underground service and utility lines from your house to the curb.
Coverage for art, jewelry, rare collections or other high-value items.
Coverage for expensive personal belongings like firearms.
Coverage for computers and electronic equipment.
Coverage for garages, sheds and other structures on your property.
Coverage for personal liability claims (in case you hurt other people or their property).
Coverage to help you recover after identity theft or fraud.
Coverage if you run a business out of your home.
Coverage to replace lost rental income if tenants have to move out because of a fire or a loss that we insure.
We have more than 12,100 agents dedicated to helping you choose coverage that’s right for you.
You can count on our agents to help you make good decisions about your insurance protection.
Our agents have offices in your neighborhood and are a part of your community.
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
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 16% to 25%, depending on your state, when you insure your auto and home with us.1 Ask about ERIE’s multi-policy discount and other discounts to see what you could save.
1Savings 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.
If you get a home insurance quote 7 to 60 days before your policy renews, the savings could be yours.
Save on your auto and homeowners insurance with a qualified life insurance policy.
We believe the
proof is in the policy.
Our home insurance base policy includes many features that are better than a typical competition policy.1 Talk to an agent about ERIE’s home insurance coverage.
|FEATURE||ERIE's BASE POLICY1||TYPICAL COMPETITOR POLICY2|
|100% Guaranteed Replacement Cost3||BETTER
True guaranteed replacement cost
Extended coverage with limits and qualifiers
|Personal Property Coverage||BETTER
Extensive coverage, fewer exclusions
Fewer covered incidents, more exclusions
Coverage includes “mysterious disappearance”
Fewer items covered, more exclusions
|Animals, Birds and Fish
Covered to $500
Typically not covered (or restricted if covered)
|Cash and Precious Metals
Covered to $500
Covered, but less than 50% of ERIE’s dollar value
|Coverage for Hard-to-Replace Items
Covered items include accounts, bills, deeds, passports, etc.
Restrictive list of covered items, with significantly lower dollar limits
|Coverage for Valuables
Ample limits for jewelry, watches, precious stones and firearms
Lower limits for theft only
|1The information is a summary and does not include all coverages and benefits available through an ErieSecure Home® policy or apply to all states. Coverages, benefits, limits and deductibles will vary. Conditions, exclusions and limitations will apply. Refer to our disclaimer for more information. Talk to an ERIE agent for state specific policy information.
2Based on a comparison of ERIE’s major competitors.
3Guaranteed Replacement Cost requires home improvements over $5,000 to be reported within 90 days—not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to your ERIE agent for more information.