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.
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.
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.
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.
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.
Features
| 100% Guaranteed Replacement Cost3 | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- True guaranteed replacement cost | Limited- Extended coverage with limits and qualifiers |
| Personal Property Coverage | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Extensive coverage, fewer exclusions | Limited- Fewer covered incidents, more exclusions |
| Theft | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Coverage includes “mysterious disappearance” | Limited- Fewer items covered, more exclusions |
| Animals, Birds and Fish | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Covered to $500 | Maybe- Typically not covered (or restricted if covered) |
| Cash and Precious Metals | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Covered to $500 | Inadequate- Covered, but less than 50% of ERIE’s dollar value |
| Coverage for Hard-to-Replace Items | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Covered items include accounts, bills, deeds, passports, etc. | Limited- Restrictive list of covered items, with significantly lower dollar limits |
| Coverage for Valuables | |
| ERIE’s Base Policy1 | Typical Competitor Policy |
| Better- Ample limits for jewelry, watches, precious stones and firearms | Limited- Lower limits for theft only |
- 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.