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                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.?

                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.

                REPLACEMENT COST

                It’s nice to know that when something goes wrong, your coverage?goes the distance.

                ERIE's guaranteed replacement cost goes the distance to protect you, while typical competitors only cover the Actual Cash Value leaving you to pay the rest out of pocket.

                 

                Guaranteed replacement cost. No surprises.

                Many homeowners don’t realize that actual cash value policies subtract for wear and tear and depreciation.1

                With our Guaranteed Replacement Cost coverage, you’re covered — even if you need to rebuild your entire home.2

                1About sixty percent of homes are undervalued - and potentially underinsured - by 17%, according to Marshall & Swift/Boeckh, a leading provider of building cost data to real estate professionals.

                2Guaranteed Replacement Cost applies to dwelling and 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 an ERIE agent for more information.

                Customize Your Coverage

                Every home is different, so get what's right for yours.

                Select the coverages you’d like to discuss and we’ll add them to your quote request. Our agents will help you choose the right coverage levels for your home.

                Water Backup & Sump Overflow

                Coverage for backup through sewers, drains and sump pumps.

                Personal Liability

                Coverage for personal liability claims (in case you hurt other people or their property).

                Identity Recovery

                Coverage to help you recover after identity theft or fraud.

                Service Line Protection

                Coverage for damage to underground service and utility lines from your house to the curb.

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                Our Agents

                We have more than 12,100 agents dedicated to helping you choose coverage that’s right for you.

                Licensed Professionals

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

                Local Presence

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

                Claims Assistance

                You might be uneasy about starting a claim, but our agents will guide you through the claims process.

                Discounts

                Start with competitive prices, then add more ways to save.


                20%

                A typical multi-policy discount is around 20%. There may be differences by state.


                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*

                A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.

                If you get a home insurance quote 7 to 60 days before your policy renews, the savings could be yours.

                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 “mysterious disappearance”
                LIMITED
                Fewer items covered, more exclusions
                Animals, Birds and Fish
                BETTER
                Covered to $500
                MAYBE
                Typically not 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
                Coverage for Valuables
                BETTER
                Ample limits for jewelry, watches, precious stones and firearms
                LIMITED
                Lower limits for theft only
                1The 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.?

                2Based on a comparison of ERIE’s major competitors.?

                3Guaranteed 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.

                See the latest from our blog

                Home insurance Quote

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

                Ready to get started?

                Homeowners Insurance home insurance Your home — it’s your favorite place to lie down at night and rise to the sun in the morning. Find out how Erie Insurance can help you protect it. Erie Insurance /-/media/images/erieinsurance/erieinsurancelogo.png