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.
- 24/7 customer service
- Customizable policies
- Replacement cost guarantee
- Available in just 12 states
- No mobile app for home insurance
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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
- Firearms
- 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.
ERIE Homeowners Reviews
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- We use intelligent software that helps us maintain the integrity of reviews.
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ERIE Homeowners Company Information
- Company Name:
- ERIE Homeowners
- Year Founded:
- 1925
- Address:
- 100 Erie Insurance Place
- City:
- Erie
- State/Province:
- PA
- Postal Code:
- 16530
- Country:
- United States
- Website:
- www.erieinsurance.com