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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.
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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.
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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 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.
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.
By the way, Erie never asked us what was the true cause after we opened the walls and floors. They used their magic wand and figured everything out at their home office. By the way, it cost us $10,500 to repair the damage. We are looking for justice right now. If you are shopping for home insurance, don't let their quote blind you. Be prepared that you will be treated the same way as we were treated.
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.
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 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.
Now we move on to the Homeowners Adjuster, Juan **. While mostly pleasant, every time we would call, which might I add was about weekly because we didn't want to be left in the dark about anything, he always seemed to scramble for the information he provided to us. He then left for a vacation of sorts in December and failed to let us know, leaving us wondering what was going to happen w/ our claim. That leads me to dealing with who I believe was his supervisor, a Patrick **. That may NOT be who he reports to, Erie's employees do not always give you the info you need, but nevertheless, Mr. ** was EXTREMELY rude to me. I called to inquire what was happening with the Claim, and was treated like I was bothering him. After calling out his rude behavior, I wished him happy holidays and moving forward, Mr. ** would NOT return any future phone calls from us. He flat out IGNORED us.
In the middle of all of this, Erie sent a Thomas ** to our home, apparently from SIU. Mr. ** was polite initially, but he does NOT communicate well. For example, he left his personal phone number to be called back on, a number I specifically asked if he can be reached at and he said "YES", then grew agitated when he was called on that line. He took his time getting in touch with the Fire Dept., and took several days to respond to emails sent. Mr. ** finally called me and impatiently told me that I "NEEDED TO STOP CALLING" to get information on the claims, and they were being handled. In my defense, and on behalf of EVERYONE insured with ANY insurance company, INSUREDS HAVE THE RIGHT to call and get information.
I own the fact and take responsibility that calling weekly in the beginning may have been excessive. I have anxiety and PTSD which I work hard to control, but I am human and sometimes re assurance is calming to me. REGARDLESS, I, nor anyone else, should have to tell their insurance company or any representative of their insurance company such personal information just to get them to be nice and patient with the insured's. I have a feeling Mr. ** did not want to work so hard over the Holidays, which is understandable but OH WELL. I am also considerably younger than Mr. **, and I know from EXPERIENCE men from his generation do NOT like a take charge woman, so that could be a contributing factor to his unprofessional behavior. He actually reduced me to tears. The claims was enough for me to handle and I needed compassion and patience and got the EXACT opposite.
I stopped calling to get info after all of that and apologized even tho I truly feel I should NOT have. It is not 06/2020 and the claim is still open, NO ONE from Erie keeps in touch with us and honestly, we will be leaving Erie as soon as the rates go up. I hope many people read this. I want it known how horrible this company made me feel and I would NOT recommend to ANYONE.
Erie Homeowners author review by Matthew Brodsky
AM Best gave this company an A+ rating for financial strength. However, ERIE only operates in 12 states, so check to make sure the company writes policies in your area. In addition to homeowners insurance, the company also provides policies for cars, renters, condos, mobile homes and boats.
Cost: Its homeowners insurance costs $1,320 to $1,440 a year on average.
Plans and coverage: ERIE’s standard plan covers dwellings, other structures, liability protection and loss of use. Optional coverage includes earthquake and flood insurance, service line protection, and sump overflow and water backup.
Discounts: This company offers discounts for policy bundling, home protection systems and new customers.
Availability: ERIE writes policies in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and Washington, D.C.
Erie Homeowners Company Information
- Company Name:
- Erie Homeowners
- Year Founded:
- 100 Erie Insurance Place
- Postal Code:
- United States
- (800) 458-0811
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