ERIE 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 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
  1. 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.
  2.  

  3. Based on a comparison of ERIE’s major competitors.
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  5. 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.

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