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About ERIE Homeowners
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ERIE is an insurance provider that writes customizable home coverage policies in select Northeastern states. It prioritizes in-person communication and doesn’t provide an app for homeowner policy management. If you’re interested in getting a quote for ERIE’s home insurance, you’ll need to contact a local agent.
Pros & Cons
- 24/7 customer service
- Customizable policies
- Replacement cost guarantee
- Available in just 12 states
- No mobile app for home insurance
ERIE offers customizable homeowners insurance, guaranteed replacement cost coverage and 24/7 customer service. However, it writes policies in only 12 Northeastern states and the District of Columbia.
When we were checking policies the one we had was way overpriced compared to the one we have now. The insurance agents are very helpful and always willing to listen to all your co...Read full review
… I have had Erie insurance for over 5 years and have never had a bad experience! Coverage is also excellent. Their customer service is always a pleasant experience! If I have que...Read full review
About ERIE homeowners insurance
ERIE was founded in 1925 and began providing homeowners insurance in 1961. Its home policies are available in 12 states and the District of Columbia exclusively, and it sells its coverage through independent agents. ERIE doesn’t offer online quotes or claims, and it doesn’t have an app for homeowner policy management; however, if you need general tips and advice on home maintenance or home insurance, ERIE’s website has a helpful and informative blog.
ERIE offers add-ons like service line protection and identity restoration, and its guaranteed replacement cost coverage ensures the company pays all expenses to rebuild your entire home if necessary.
ERIE homeowners insurance coverage
ERIE’s base home insurance policy offers standard coverage options, but it also includes some benefits that are more uncommon in basic policies. Its base homeowners policy includes:
- Structure coverage
- Personal property protection
- Liability coverage
- Living expenses (if you can’t live in your home due to a covered loss)
- Guaranteed cost replacement
- Theft protection
- Pet coverage
- Cash and precious metal coverage
If you’re looking for more thorough or specific home coverage, ERIE offers a number of add-on protection options:
- Computer and equipment
- Earthquake and flood
- Home business
- Identity recovery
- Jewelry and high-end valuables
- Personal liability
- Rental income
- Service line
- Water backup and sump overflow
ERIE homeowners insurance quotes and rates
ERIE doesn’t specify its home insurance costs online, and its website doesn’t provide quotes. A number of details determine your insurance rates, including your credit score and claims history, as well as your home’s location and age — and more. Contact an ERIE agent directly to get a home insurance estimate. ERIE does offer multiple discount options to help bring down prices, including:
- Multipolicy discounts: Combining your home insurance with its auto or life policies can save you up to 20%.
- Security discounts: You can get discounts for smoke detectors, burglar alarms and sprinkler systems.
- Advanced quote discounts: If you get a quote seven to 60 days before your policy expires, you should be eligible for a discount.
ERIE homeowners insurance FAQ
What does ERIE homeowners insurance cover?
ERIE’s homeowners insurance covers structures, personal property and liability. It also provides additional coverage options, including protection for pets, hard-to-replace items, guaranteed replacement costs and more.
Does ERIE homeowners insurance cover mold?
Yes, ERIE’s homeowners insurance covers mold under its standard insurance; coverage is limited to $10,000.
How do I file a claim with ERIE?
You can file a home insurance claim with ERIE by contacting your local agent or calling the company’s customer service line, where support is available 24/7.
Where is ERIE home insurance available?
ERIE offers home insurance in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.
Is ERIE homeowners insurance good?
ERIE is a good home insurance choice for those in its service area. It offers several coverage options, and its base policy provides coverage that’s more comprehensive than what many companies offer. Its policies are also fairly affordable, even with the addition of optional coverage.
ERIE’s customer reviews are largely favorable, and the company offers customer support 24/7 in case of emergency. Overall, though ERIE might not be ideal for those who like to handle their policies online, its coverage and savings options might outweigh the inconvenience.
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Reviewed May 6, 2023
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.
Reviewed Dec. 22, 2022
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:
As a small business owner and homeowner with needed insurance necessities, I was afforded a quote brought to my attention from my longstanding local insurance agency that had recently acquired the ability to ascertain quotes and insurance policies for Erie Insurance headquartered in Erie Pa. I was happy with the quote pricing that rectified my family and I’s decision to switch from our previous insured provider to Erie Insurance.
As aforementioned, we all should know and realize how important it is to have not only insurance, but to have insurance with the right carrier and with the proper coverages for our own needs regardless of what our local state requires as a minimum. Equally important here is this where I failed. Check the reviews of the said insurance carriers as I should’ve before deciding on Erie Insurance and it’s abundantly clear that they’re not a good insurance carrier.
My situation for your own review. On a warm, dry fall day a 25-year old uninsured motorist driving a 2006 Chevrolet Van with pre-existing damage unrelated to this incident described borrowed from his grandmother in which was later investigated by our local police agency, was never supposed to leave his hometown which is nearly (40) miles one way from my location due to not only the damage of the van but because of its’ reported leaking of fluids from the front end of the van in particular, ethylene glycol and oil. This individual not only drove the van out of town, he maliciously pulled up into a large newly finished concrete driveway leaking fluids everywhere as described by the police report, home video surveillance and photos taken at my home. Of course, this individual stated to police it wasn’t him until he later changed his statement that it was due to my home cameras that caught him in the act.
Moving forward, the police report states per video given as evidence depicts in deputies’ statement that this male subject got out of this van while parked on my private driveway to see and assess the damage while looking at the leaking fluids present only to hurry getting back into this van removing himself from our property and damage left without ever notifying the homeowner which is myself. The police deputy turn all of this evidence into a criminal charge that was being charged as malicious mischief. While so troubling, it brings peace of mind knowing I have insurance for property damage that is covered under a charge of malicious Mischief.
In early November 22’, I file a claim with my homeowners policy attached to Erie Insurance upon reading my policy declaration which states under “Additional Payments,” “We” will pay for ANY property damage to a building (driveway is considered part of the building so long as it’s attached to the home) that is a result of Eries’ section stating “Vandalism or Malicious Mischief.” This policy statement is listed under Eries’ HomeSecure Policy and sold to many although (3) pages before this there’s a policy exclusion 5.c that’s stated that Erie doesn’t pay for spills, leaks or pollution with no mention of where it comes from nor any mention of again, malicious Mischief that’s stated as previously described under “ANY PROPERTY DAMAGE RELATED TO MALICIOUS MISCHIEF.”
I’m pointing this out to you all for the conceivable fact of twisting their policy statements to state what you know is covered only so they’ll try and use any exclusion to deny payment equals Erie Insurance. Any spill or leakage wasn’t done by any resident of our home however by a uninsured motorists with pre-existing damage and willful conducts’ definition is of “Either Intentional, Unintentional or Wantonly causes property damage, injury and/or harm showing no care of the ending result,” such as when this said individual exited his van, seen the damage and quickly left the scene without acknowledging the homeowner or resident.
After speaking with Erie’s local branch upon receiving a denial of coverage letter, I contact my agent with whom speaks to another Erie agent in another region with whom stated to my agent this claim should’ve been paid. As well, I speak to the Regional VP of Erie that states I’ve got every reason to be upset acknowledging the policy deductions stated here as he forwarded to tell me that he wouldn’t blame me for leaving like inviting me to do so only to further state this could be a covered payment after referring me to the States’ Department of Insurance and awaiting their recommendation.
Also said, Erie has only been in Kentucky since 2015 and they’d like to have good standings with the Department of Insurances. Too, he said a false statement in that Erie normally goes out of their way to find coverage for any loss but could not give me an answer per policy addendum related to “Additional Payments in that Erie will pay for ANY property damage related to Malicious Mischief.” To date, I’ve never received an answer related to what my question stated under the policy therefore means other than to be told that’s a good question and we’d have to get back with you lol!
In summary, the individual has been charged malicious Mischief. I pay for this coverage under my homeowners. It’s a covered loss under my policy I’ve properly paid for and maintained. They’ve took my money without incident although will not pay for this loss. I’ve too contacted Eries’ “Office Of The President,” which is a big waste of time with Erie in general as the President, VP of Claims nor the Customer Advocacy department will either answer nor call you back. My best advice in reviews to fellow insurance shoppers’ is to stay far away from Erie and read the necessary reviews before deciding. Erie has acted in bad faith towards the policies I’ve paid for in turn causing a complaint written to Division of Consumer Protection. Thank you for taking your valuable time reading my lesson learned about this company and I wish you the best in deciding your own insurance needs and wants!
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Reviewed Oct. 25, 2022
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.
Reviewed Oct. 11, 2022
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.
We had already had one roofing company come out to look and I was told the roof was in bad shape, the insurance inspector came and was here for all of 10 minutes and his report said the roof was in "great shape." When talking to the insurance company adjuster supervisor he said the original roofing company wasn't a "real roofer." Despite the insult to my original roofing company I had another one that has been on the area for 30 years. They too said it was in bad shape. After sending the info to the insurance company they paid for an engineer, paying a few thousand to sent one here from 3 hours away.
While the engineer was here I recorded him saying that the roof was in bad shape, and at one point he said "if we cannot get them on hail maybe we can get them on wind." After getting down from the roof he said "there was significant splatter damage due to the hail storm in addition to significant granule loss." But the report was changed to say that hail was almost 3 miles from my house and that hail did not happen here. He also said that while there was splatter spots it was not caused by hail on his report even though my video and audio recording he says the complete opposite. I have reported to the state Insurance Commission and am in the process of getting affidavits from my neighbors. Steer clear of Erie. They are cheaper for a reason.
Reviewed July 22, 2022
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.
Reviewed June 3, 2022
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.
Was in a car accident in January, still dealing with that, and the same thing is going on with that, they paid almost 4k for a bunch of ** car repairs, my bumper keeps popping out due to the poor collision center they referred me to. My air conditioning stopped working after the kid hit me AND DROVE off and they claim it wasn't caused by the accident. So here we are....I MIGHT keep Erie for my homeowners but looking to switch for my outrageous auto insurance. No accidents and no tickets, and 2300+ a year????
Reviewed Dec. 27, 2021
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.
The policy language that has allowed Erie to get away with this is anti-concurrent policy wording. By using it, they can deny almost any claim. It's my understanding that more than half of the company's revenue is used to fund efforts for denying claims. Do what you can to find another insurance company.
Reviewed Aug. 24, 2021
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!
Like I said, we have NEVER had a leak before now. They are denying it unless we provide a picture of our roof before the tornado. I'm sorry but I don't go around taking pictures before a storm comes. Now here we sit with a hole in our roof, severe water damage that gets worse every time it rains and a roof that needs to be replaced. All of the money a person pays for insurance and this is how we're treated when a tornado goes through! Do NOT get Erie for your insurance or you will be in the same predicament we're in. Our neighbors had 2 shingles come off and no water damage and they're getting a whole new roof! We are beyond frustrated!
Reviewed June 30, 2021
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.
Reviewed May 12, 2021
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.
ERIE Homeowners Company Information
- Company Name:
- ERIE Homeowners
- Year Founded:
- 100 Erie Insurance Place
- Postal Code:
- United States
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