ERIE Homeowners Reviews

In November of 2025, Erie sent me a notice of cancellation due to the fact that my broker had merged with another entity that did not carry Erie. I was canceled and found a broker locally who did carry Erie. Erie refused to recognize me as an existing customer and required that I sign up as a new customer at higher rates. My old pricing structure was no good, even though I had been a customer for 2 years without a claim.

June 29, 2023 a straight-line wind blew into our home splitting it in two. Our roof was completely destroyed. The impact of the tree hitting the house also destroyed the stable foundation our home had. The walls shifted and began leaking as a result too. Erie showed up offering temporary housing which was to last through the repair of our home. They also said they would pay for storage of our survived stuff. The contractor chosen, Strong Builders, took our money then put what was to be a roof on our home.

**Do Not Recommend** Despite having a personal relationship with the insurance agent for several years (Eric Stewart Insurance - Selling Erie Insurance), we encountered significant challenges when filing a claim for a roof leak. It was discovered that the builder had made a subpar construction job (only three years old) necessitating a complete replacement. However, Erie Insurance denied coverage, citing the builder defect as the cause.

I have been a loyal customer for 20+ years and put in my first claim for roof damage. I was treated condescendingly and chauvinistically. They only paid for half of the roof replacement and told me that I only need to get half replaced even though 3 contractors said the whole roof was damaged and needed to be replaced. I would call customer service and they would get the adjustor or his manager on the other line and when they would patch me over to them they would both send me directly to their email. I was told in an email that "I already discussed this with your husband when I did the estimate." Wow. Very disappointing as I am the home owner and policy holder. I am in the process of changing my home and car insurances due to this treatment.

Made a claim in January 2024. Now late June and I am still fighting with them. Had water damage in my kitchen and basement from burst pipe. Even though I contacted my agent with the original claim no adjuster got back to me till I again called the broker a few days later. When the adjuster did call she said she couldn't find my phone number. They had no local adjuster in the NYC area so they contracted out. The allotted amounts for repair were way too low. They have been slow to respond to my calls; need to speak with the supervisor to get a response and she always tossed it back to her adjuster. Had to hire a public adjuster to fight for proper reimbursement. They have not been responsive to him either. This company is horrible. Go somewhere else.

Buyer beware. During the Christmas Storm of 2022 my home experienced a power failure/heating failure. We unfortunately were not there to turn off the water lines as we were snowed in at my Mother's starting on our 3rd floor. After the travel bans were lifted and we were dug out we came home to find our house had been flooding for days. 16,000 gallons of water pushed through this house destroying most of it. We've worked through the whole process with ENIA for the last 2 years, we've done everything asked of us. Getting 3 itemized estimates for each repair to make us whole per our policy. We are still over $100,000 off from what they claim our repairs should cost. Like most people I do not have an extra $100,000 saved to fix this home, this is why we paid for insurance with full replacement coverage.

I sold my house and even though I had automatic debit, ERIE sent me to collections. My ERIE agent is top notch but the idiots in the main office are dunderheads. I was very careful to get the policy cancellation in on time but ERIE screwed up totally. I don't need to spend time contacting a collection agency for no real reason other than ERIE SCREWED UP. The collection agency said they would need to take at least two weeks to investigate. Goodbye ERIE idiots.

We had Erie Insurance since 1976 with no claims, either Home Owner Insurance or Car Insurance. We had roof damage recently and the adjuster that was sent out only wants to cover us for 1/2 of a roof. How do we match up the shingles on the other half? This company is devaluating our house. Bad Company. Would not recommend them to anyone.

I’m writing this review as a good faith testimony for you all to consider when not only pricing an important part of your everyday expenses although none of these are probably no more important than who you inevitably decide to choose to represent you & your family for insurance needs and/or wants. Here’s my story to help you decide:

We purchased total cost replacement insurance for our home and when our house was lost to an electrical fire two months ago we have had to battle with our adjuster and still have not been given enough money to rebuild our home. We were told by our adjuster (Paul **) to prove him wrong which we have done to no avail. At a time when we need our insurance company to stand behind us they have left us standing without sufficient funds to rebuild. Don't believe the lies about the added assurance of having total cost replacement insurance....it's only for for the benefit of the insurance company.... We were told by several general contractors that the replacement cost will be double the amount Erie is allowing us to rebuild. Erie also hired a company to do a cost analysis to the advantage of the insurance company. We will be forced to pursue other measures in order to come to the settlement for which we are due. I do not recommend Erie Insurance.

There was a hail storm in my neighborhood in May, of 2022. I noticed that other houses in the neighborhood were getting their roofs replaced, when talking to my neighbor at a neighborhood cookout for July 4th they told me that due to the hail storm every house has been approved in the neighborhood that was getting them except for one. That one was covered by Erie Insurance. We also had Erie as well, and when I called to get an inspection I admittedly didn't really know anything about roofing.

Have had claim in 45 days and have not been paid full replacement cost for personnel....Property damaged. Cannot reach adjuster and she does not return my calls. Adjuster had poor attitude. Took surveys--does not matter. I am sure this ERIE insurance co. enjoyed my payments ---But I feel I have been shorted money, and they have poor adjusters with poor attitudes.

After hearing such great things about Erie, I finally found a agent in my area. I have had Erie for years, and I guess truth holds, that every insurance company is on your side, until you actually need them. I needed my roof replaced, and I was told that I needed vents installed on my garage, because the heat was causing the warping of the shingles. Erie agreed to pay for the vents, but when it came down to it, they refused. I called the adjuster and asked him why the check wasn't written for the entire amount after he AGREED to pay for the venting on the garage, and his exact words was "Because I didn't want to" as if he wrote the check out of his own personal account. I had to pay my deductible and nearly another $1000 to the contractor for the vents, because they refused to pay for what they said they were going to.

Mid-February 2021: winter weather event left 8 inches of combined snow & ice on the roof of the back part of my house. Due to the weight and saturation, the roof collapsed and eventually the entire structure and all contents were lost. That part of the house was constructed in May 2019, I bought the house in September 2020. All construction inspections were passed for residency - including framing and final inspection. I had a thorough home inspection prior to purchase. Erie made an inspection prior to issuing coverage.

In July of 2021 we had a tornado go through. A branch went through our roof which also caused water damage to our attic, insulation and ceiling in our dining room to the point we can't use our light in there because it's all damage. We also had wind damage to our entire roof. The roofing company came out and said yes, we definitely have wind damage to our roof. Erie insurance disagrees. We now have leaks in 3 rooms that we never had before but they're trying to say that it is due to installation error when we had our roof put on 8 years ago!

Erie Insurance is the worst company to deal with when you claim, the adjuster Danika and her supervisor Mr. ** both trying to rip me off and making me pay additional $6000 for my roof repairing. They try to do their best when you claim them - they also overcharged me and collected the entire amount of insurance. Stay away from.

We purchase our townhome which was built in1985 in Jun 2016. Then unfortunately we had a water pipe burst on Feb. 16, 2016, an ice damming caused water damage on Jan. 23, 2019, and another ice damming caused some minor damage on Mar. 28, 2020. Every time, Erie suggested a contractor to us to fix the issues and we did all the recommendations to upgrade our house including putting in a new roof and update all the exhaust piping in the attic. Now, We received a non-renewal notice from Erie. All the incidences were not our fault and we did everything recommended by the contractor to upgrade our townhouse. I feel betrayed by the insurance company that I can have the insurance but I can not use it.

We have been with this company for a very long time. They keep raising prices for no reason. My wife and I just got the recent renew letter today along with a hefty price increase. Thank you Erie. Also, wife and I was involved in a auto accident last year, got sandwiched by a driver who didn't have insurance himself. Cut and dry claim. NOT OUR FAULT, although, it has taken almost a year to settle with a lawyer with these idiots. They keep wanting to drag their feet. I would NOT recommend this company at all. This isn't the first time they have raised our insurance for no reason. They can't blame our credit, it over 100 points higher than what it was when we started with them. They can't blame us for missed payments, we have never missed one. We got in touch with our agent, we are leaving Erie very soon. Stay away from these idiots.

We had a huge storm come through with hail, tornados, etc. House was pounded. Roof had a hail damage and about a dozen shingles torn off. The house to the left was missing none. Got a new roof. House to the right of me missing none. Got a new roof. I got the worst of it due to how my house sets, I got DENIED. Good bye Erie. Incredibly bad.

Disastrous house fire required major cleaning and reconstruction, as well as contents cleaning. This is a miserable experience, and we were unprepared. How to clean up the mess? How to salvage the contents? How to arrange reconstruction? Who to hire? Where to stay while the house is uninhabitable? We were fortunate to have coverage with Erie. Their adjuster guided us thru the process, including arranging alternative accommodation. They paid nearly all the cost. Interesting fact: Erie paid the estimated cost to replace all our stuff -- not the depreciated value, but the cost (not always including sales tax) of buying new. You do not think about this until you actually have to do it.

I have been their loyal customers for more than 10 years. I missed only one payment in 10 years. My policy was cancelled. When I called back to reinstate the policy they took the whole year's payment (rest of the premium) only for to call back few days later that "We can not reinstate it now. We have to rewrite the policy." I said ok and I was shocked it DOUBLED the amount I was paying before. When I asked why is that and lady replied that "We do not offer the policy you had it."

Erie agents have been very helpful when I need to file a claim for homeowners or for my auto insurance. They listen to my concerns and had the adjuster to come out immediately. Assured that the rental car was available when needed. My roof was damaged. The adjuster was thorough in explaining what would need to be done. Allowed me to select the company I wanted to use. They are helpful and most of all you are made to feel guilty for filing a claim. I recommend them to my friends and family.

Our home was damaged in late July 2020 due to a broken PVC pipe ran from the attic to the first floor. Floors, furniture, walls were warped and infested with mold. We contacted Erie right after we discovered the problem and was advised to fix them right away. We also invited various contractors and the original builder to inspect the situation to make sure that it was not due to the poor craftsmanship or faulty installation. All of them concluded that the PVC was installed properly and the incident occurred suddenly. Erie sent an inspector to evaluate the situation before we opened the walls and floor, and before we started the repair. The next thing we hear from Erie two weeks later that a denial decision. Erie claim handler quoted a few paragraphs from the policy which I disputed in a follow-up letter. Erie refused to continue further conversation.

Avoid Erie Insurance. They will actively work towards denying your legitimate claims. I have a home auto bundle for the last 4 years and had a wind event in Feb 2020 due to which I had to file a claim for my roof. It's been 8 months I have been going back and forth to resolve my claim. They just will not pay my legitimate claim. Horrible insurance company.

Really nice people. Prompt. Inexpensive. Willing to help you however they can. It was only a slight increase to my policy to add special. For example, Coins, Stamps, etc... Thankfully, I have not needed to file a claim.

Last year I had wind damage to my roof which caused water damage to the ceiling in two different rooms. I called my agent who sent an adjuster to inspect the damage. After the assessment a report was sent to the claims office which authorized a check to replace my roof and repair the ceiling in the two rooms. When it was done I was contacted by another adjuster to ensure there was enough to cover all of the damage and was going to send me additional funds if needed. They were not needed.

I have coverage for my condo. (Inside only--nothing on the outside of my condo needs to be covered by my insurance.) The HOA covers everything on outside, including the walls, the roof, the walkways, etc.). It was explained by my insurance agent very clearly what that coverage includes, and what it does not cover.

Like my representative. She tries to get me the best rates always. When I did apply for a claim, they were quite responsive and followed through till the end. I would and do recommend them to my friends and my clients, since I am a realtor.

I was surprised at the low rate I received. They do not advertise much. I initially sought a quote from Hartford because AARP recommended them. But Erie was by far lower with excellent customer service.

I use a broker who is extremely helpful. Few claims, but handled quickly. I’ve used them for over six years. Have my auto insurance with them as well. That’s all I have to say. No more, no less.

I got the lowest auto quote but the homeowner's was only $50 less. Still I think it's a more reliable company than the Liberty plan I had thought was best. Guess my prior experience w/ Erie made me more comfortable taking it.

I have been insured with Erie since 2003. In October of 2019, there was arson on my property. My shed and husband's car was intentionally set on fire. From the beginning, we have had poor experiences with the people Erie employs to handle their claims. We will start with the Auto Adjuster. Her first name is Jill, I do not remember her last name. Every time we would call, she sounded like we were bothering her. We were looking for information regarding the claim and the claims process and it was OBVIOUS she did not want to be bothered. She was impatient and her tone made it seem like she thought we were stupid. We eventually stopped calling.

Heavy wind and hail storm. Shingles blew off. Erie Claims adjuster denied claim. Then my daughter, a 17 year Erie policyholder, received notice of cancellation stating: "Hazardous exposures due to the condition of the property: The roof has outlived its serviceable life. The poor property condition(s) create hazardous exposures and a potential for future losses. Therefore, we are cancelling your policy." This house was purchased 18 months ago. Bank appraiser appraised it, reputable home inspector issued report. Erie already denied claim and now kick in pants cancel policy 1/2 way thru policy year. Premium for year paid in advance. No opportunity to replace roof.

Very disappointed and frustrated with Erie’s handling of my claim and their customer service. Two neighbors on either side of me had their roof replaced by insurance with no issues from other insurance companies. For us, ERIE adjuster called out an engineer who said there was no hail damage - and no hail on the specified date within 5 miles of my house. I have multiple certified weather reports stating there was 1-1/2” hail at my specific address on the date, and I also sent them an image of our neighbor who was holding a piece of it on that day with a time stamp on the text message.

I have been with Erie Insurance for 5 years and my parent was insured with them for years prior to their death. Erie has been difficult to deal with like demanding I clean my father's yard after he died. They did not care that I was grieving and needed time to sort things out. I stayed like a fool despite their insensitivity toward my loss but I had a few claims and they harrassed me and sending letters that someone inspected my property and I knew they were lying because I installed a gate for safety around my home as well as surveillance cameras outside around my home.

The worst, never had a claim for 18 years. Once you need their help they are nowhere to be found. Total malpractice. Office above had water leak which damaged my walls and bathroom. They admitted to the claim but totally incompetent and possibly malpractice by refusing to pay for repairs. Total waste of money and will get them to court. If you do not have a claim they are happy to raise your rate. Take your money.

Erie is the worst! They don't make sense! I had a claim on one of my rental property and when I bought a brand new property they refused to add the property to the policy. Really? It's a brand new property and they refuse to insure it because of another old property being claimed. No common sense, what a business!

I experienced a loss in 2018 with my homeowner's insurance Erie. I filed a claim that today still is pending. I was told by Erie it could go on indefinitely. I was required to do an EUO with Erie’s lawyer that took place 6/19... During that meeting I was laughed at for wear wigs and endured racist remarks and questions that had nothing to do with my claim. Today it’s still pending and they have not provided the data they were by agreement nor have they made a decision. If you're a minority this is not the insurance company for you in my opinion. If you ever had a medical situation that made you need a wig don’t go to them either because they will only cause you harm laughing at you and treating you so harshly.

The paperwork is easy. The prices are cheaper too. Local branch is near my residence and I trust them to give me the best quotes there are. The local office is great and easy to get a hold of. They have friendly office staff and they always walk me through all the paperwork and fees. They treat my family like one of their own.

I filed claims for damages and wasn't paid enough to make repairs. Erie dropped my homeowners insurance after 12 years because I did not like the color green and painted them black with roof paint. As a general contractor myself, I am well abreast to standards and material applications. I believe I was discriminated against for being ** and knowledgeable about insurance ripoffs.