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.
-
Liability 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.
-
Personal Property
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.
-
STRUCTURE COVERAGE
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.
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
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 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.
Claims Assistance
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
DISCOUNTS
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
A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.
Advanced quote discount
If you get a home insurance quote 7 to 60 days before your policy renews, the savings could be yours.
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. 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 |
|---|---|---|
|
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 |
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)
-
1
The 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.
-
2
Based on a comparison of ERIE’s major competitors
-
3
Guaranteed 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.
-
4
Reimbursement for up to $250 per gift card purchased at local businesses within 100 miles of policyholder’s residence if the business permanently closes within a year after the purchase. Limited to $500 per policy period.
Home insurance Quote
Find out if ERIE is right for you. An agent will be in touch.