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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. 

OUR COVERAGE

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.

CUSTOMER TESTIMONIALS

See what our customers have said about ERIE's home insurance and claims service.

Agent Support

"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

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

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

Replacement cost

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

Guaranteed Replacement Cost covers more costs than the typical competitor

Guaranteed replacement cost. No surprises.

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.1

  • 1

    Guaranteed 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.

OUR AGENTS

We have more than 13,000 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.

DISCOUNTS

Start with competitive prices, then add more ways to save.

20%
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*

Fire, burglary alarm, sprinkler system credit

Advanced quote discount

Multi-policy discount

*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.

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.1 Talk to an agent about ERIE’s home insurance coverage.

Feature

ERIE's Base Policy1

Typical Competitor Policy2

Section Title

100% Guaranteed Replacement Cost3

Better True guaranteed replacement cost


Limited Extended coverage with limits and qualifiers


Personal Property Coverage

Better Extensive coverage, fewer exclusions


Limited Fewer covered incidents, more exclusions


Theft

Better Coverage includes lost or misplaced items


Limited Fewer items covered, more exclusions


Coverage for Valuables

Better Ample limits for jewelry, watches, precious stones, and firearms


Limited Lower limits for theft only


Gift Card and Gift Certificate Reimbursement Coverage4

Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed


Maybe Typically not covered (or restricted if covered)


Animals, Birds and Fish

Better Covered to $500

Maybe Typically no covered (or restricted if covered)

Cash and Precious Metals

Better Covered to $500

Inadequate Covered, but less than 50% of ERIE's dollar value

Coverage for Hard-to-Replace Items

Better Covered items include accounts, bills, deeds, passports, etc.

Limited Restrictive list of covered items, with significantly lower dollar limits

Section Title

Feature

100% Guaranteed Replacement Cost3

ERIE's Base Policy1

Better True guaranteed replacement cost


Typical Competitor Policy2

Limited Extended coverage with limits and qualifiers


Feature

Personal Property Coverage

ERIE's Base Policy1

Better Extensive coverage, fewer exclusions


Typical Competitor Policy2

Limited Fewer covered incidents, more exclusions


Feature

Theft

ERIE's Base Policy1

Better Coverage includes lost or misplaced items


Typical Competitor Policy2

Limited Fewer items covered, more exclusions


Feature

Coverage for Valuables

ERIE's Base Policy1

Better Ample limits for jewelry, watches, precious stones, and firearms


Typical Competitor Policy2

Limited Lower limits for theft only


Feature

Gift Card and Gift Certificate Reimbursement Coverage4

ERIE's Base Policy1

Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed


Typical Competitor Policy2

Maybe Typically not covered (or restricted if covered)


Feature

Animals, Birds and Fish

ERIE's Base Policy1

Better Covered to $500

Typical Competitor Policy2

Maybe Typically no covered (or restricted if covered)

Feature

Cash and Precious Metals

ERIE's Base Policy1

Better Covered to $500

Typical Competitor Policy2

Inadequate Covered, but less than 50% of ERIE's dollar value

Feature

Coverage for Hard-to-Replace Items

ERIE's Base Policy1

Better Covered items include accounts, bills, deeds, passports, etc.

Typical Competitor Policy2

Limited Restrictive list of covered items, with significantly lower dollar limits

Home insurance Quote

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