AUTO & LEISURE

HOME & PROPERTY

LIFE & MORE

BUSINESS

AUTO & LEISURE

HOME & PROPERTY

LIFE & MORE

BUSINESS

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

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

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

"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

Licensed Professionals

You can count on our agents to help you make good decisions about your insurance protection.

Local Presence

Local Presence

Our agents have offices in your neighborhood and are a part of your community.

Claims Assistance

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

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

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

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

Feature

100% Guaranteed Replacement Cost3

ERIE's Base Policy1

ERIE's Base Policy1

Better True guaranteed replacement cost

Typical Competitor Policy2

Typical Competitor Policy2

Limited Extended coverage with limits and qualifiers

Feature

Feature

Personal Property Coverage

ERIE's Base Policy1

ERIE's Base Policy1

Better Extensive coverage, fewer exclusions

Typical Competitor Policy2

Typical Competitor Policy2

Limited Fewer covered incidents, more exclusions

Feature

Feature

Theft

ERIE's Base Policy1

ERIE's Base Policy1

Better Coverage includes lost or misplaced items

Typical Competitor Policy2

Typical Competitor Policy2

Limited Fewer items covered, more exclusions

Feature

Feature

Coverage for Valuables

ERIE's Base Policy1

ERIE's Base Policy1

Better Ample limits for jewelry, watches, precious stones, and firearms

Typical Competitor Policy2

Typical Competitor Policy2

Limited Lower limits for theft only

Feature

Feature

Gift Card and Gift Certificate Reimbursement Coverage4

ERIE's Base Policy1

ERIE's Base Policy1

Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed

Typical Competitor Policy2

Typical Competitor Policy2

Maybe Typically not covered (or restricted if covered)

Feature

Feature

Animals, Birds and Fish

ERIE's Base Policy1

ERIE's Base Policy1

Better Covered to $500

Typical Competitor Policy2

Typical Competitor Policy2

Maybe Typically no covered (or restricted if covered)

Feature

Feature

Cash and Precious Metals

ERIE's Base Policy1

ERIE's Base Policy1

Better Covered to $500

Typical Competitor Policy2

Typical Competitor Policy2

Inadequate Covered, but less than 50% of ERIE's dollar value

Feature

Feature

Coverage for Hard-to-Replace Items

ERIE's Base Policy1

ERIE's Base Policy1

Better Covered items include accounts, bills, deeds, passports, etc.

Typical Competitor Policy2

Typical Competitor Policy2

Limited Restrictive list of covered items, with significantly lower dollar limits

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.

Based on a comparison of ERIE’s major competitors

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.

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.

See related stories from our blog

What is Guaranteed Replacement Cost?

How Much Does Home Insurance Cost?

The Hidden Risk Many Homeowners Ignore

Home insurance Quote

Find out if ERIE is right for you. An agent will be in touch.

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About Erie

Erie Insurance Group has earned A.M. Best's rating of A+ (Superior). Erie Family Life Insurance Company has earned A.M. Best's rating of A (Excellent). A.M. Best is a respected provider of financial ratings for insurance organizations. Such rating refers only to the overall financial status and is not a recommendation of the company.

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Guaranteed Replacement Cost. No surprises.

[TRANSCRIPT]

What could be worse than losing your home in a fire or natural disaster? Finding out you don’t have enough homeowners insurance to rebuild it.

But if you have Guaranteed Replacement Cost2 coverage from Erie Insurance, you can rest easy knowing your coverage will go the distance. Because unlike other types of homeowners policies that subtract for wear and tear or depreciation, ERIE will rebuild your home to its former glory – at today’s cost.

If the cost of construction or materials goes up, we’ve got your covered – even if it’s more than the amount listed on your policy.

Ask your local ERIE agent about Guaranteed Replacement Cost coverage today – and get the peace of mind you deserve.

~~~~~~~~~~~~~

Erie Insurance Exchange, Erie Insurance Co., Erie Insurance Property & Casualty Co., Flagship City Insurance Co. and Erie Family Life Insurance Co. (Erie, PA) or Erie Insurance Co. of New York (Rochester, NY). Go to erieinsurance.com for company licensure and product details.

*Terms, conditions and exclusions apply. See your policy for details.

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