Home Insurance
Smart Score
86
Customer Service
Industry Average: 7.9
Claims Process
Industry Average: 7.9
Value for Price
Industry Average: 7.6
Erie Overview
From its roots in 1925 as a Pennsylvania auto insurer, Erie Insurance has grown to become a multi-line insurance company, offering auto, home, business and life insurance through its network of more than 10,000 local independent insurance Agents. Primarily serving drivers residing in the eastern states of the U.S., Erie prides itself on their customer service and competitive coverage options that include some unique features. One of Erie’s more interesting offerings is the “Erie Rate Lock” feature, which ensures that your car insurance premium won’t skyrocket — even after a claim. Your premium only changes when you make a change on your policy, such as adding a new vehicle or changing your address.
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Erie Coverage Options
When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Erie
| Available Option | What it means | |
|---|---|---|
Additional Insured | The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs. | |
Assisted Living | Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced. | |
Business Pursuits | Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer. | |
Child Care Liability | This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance. | |
Computer | Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers. | |
Debris Removal | While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage. | |
Electronic Data Recovery | This endorsement covers the cost of recovering lost personal computer data caused by a loss. | |
Erie availability in these states
Erie Home Discounts
While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your home policy. For reference, we've listed all the discounts we believe Erie has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
| Available Option | Discount Data | What it means |
|---|---|---|
Advance Quote / Early Signing | One of the easiest discounts to score with some advance planning. Customers can often save simply by quoting and buying their homeowners policy some time (typically at least seven days) ahead of the policy actually going into effect. Keep in mind though that this discount tends to only apply to the first policy term, increasing annual cost after year one. | |
Age of Insured | 1% to 15% | Different age groups are more or less risky about different things when it comes to homes. Generally, the older the customer, the larger the discount—though the discount sometimes decreases again in higher age groups. Insurers tend to look at whoever is the oldest of the named insured when calculating this discount. |
Earthen Home | 10% to 10% | Earthen homes are exposed to fewer losses (windstorm, hail, etc.) than a conventionally built home. Therefore, a discount may be applied, generally provided at least two sides and the entire roof (other than atriums) are below ground level. |
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