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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?

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