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