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Homeowners Insurance

Your home it’s your favorite place to lie down at night and rise to the sun in the morning. Find out how we can help you protect it. 

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We strive to exceed your expectations and provide service with a human touch.

No gray areas

We promise to explain your coverage and answer all your questions.

24/7 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

We offer personal liability protection anywhere in the world. It can help protect you if you hurt someone or damage someone’s property.


It’s nice to know that when something goes wrong, your coverage goes the distance.

ERIE's guaranteed replacement cost goes the distance to protect you, while typical competitors only cover the Actual Cash Value leaving you to pay the rest out of pocket.




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.

Water Backup & Sump Overflow

Coverage for backup through sewers, drains and sump pumps.

Flood Insurance

Coverage for flood damage. Home insurance doesn't cover flood damage, but an agent can help you find the right flood policy.

Service Line Protection

Coverage for damage to underground service and utility lines from your house to the curb.

Earthquake Insurance

Coverage for damage to your home or property caused by earthquake.

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Our Agents

We have more than 12,100 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 protection.

Local Presence

Our agents have offices in your neighborhood and are a part of your community.

Claims Assistance

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.

Featured Ways to Save*

A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.

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.

*All discounts are subject to eligibility criteria and applicable rates and rules. Actual savings vary. ERIE® life insurance products and services are provided by Erie Family Life Insurance Company, a member of Erie Insurance Group, and are not available in New York.


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.


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.

Home insurance Quote

Find out if ERIE is right for you. An agent will be in touch.

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