Erie Homeowners Insurance Review [2025]
Erie Homeowners Insurance offers a comprehensive range of coverage options, coupled with potential add-ons, making it a versatile choice for homeowners seeking reliable protection.
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Updated April 2024
If you live in the northeast U.S., and are looking for a home insurance policy, Erie home insurance may be a good fit for you. Erie offers homeowners insurance with several options to help cover your home. Keep reading to learn more about Erie insurance and the products it offers.
As you shop for homeowners insurance, you will want to find the best home insurance policy near you. You can compare quotes from multiple companies to see which one offers the most affordable coverage that meets your needs. Use our free tool above to get started in your search for homeowners insurance today.
What You Should Know About erie insurance group
- Erie Insurance offers a standard homeowners insurance policy with optional add-ons
- Insurance rates with Erie vary depending on where you live, the size of your home, and more
- Erie home insurance has an A+ rating with A.M. Best and the Better Business Bureau
If you live in the northeast U.S., and are looking for a home insurance policy, Erie home insurance may be a good fit for you. Erie offers homeowners insurance with several options to help cover your home. Keep reading to learn more about Erie insurance and the products it offers.
As you shop for homeowners insurance, you will want to find the best home insurance policy near you. You can compare quotes from multiple companies to see which one offers the most affordable coverage that meets your needs. Use our free tool above to get started in your search for homeowners insurance today.
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
erie insurance group Insurance Coverage Options
Erie insurance offers a standard homeowners insurance policy that includes coverage for your primary dwelling. This coverage will help pay to repair damage caused by storms, fire, and more. Erie’s standard homeowners insurance also offers a loss-of-use coverage that will pay for housing, food, and other items if you’re forced to relocate after significant damage to your home.
With the liability coverage offered by Erie, you can protect yourself against medical costs and lawsuits from events such as if someone falls while on your property or if your dog bites them. Erie also covers the total loss of a home if it is beyond repair.
Erie’s homeowners insurance options vary from state to state. If you’re interested in coverage with Erie, speak to an agent to clarify what you can purchase and any add-ons you’re interested in including. Add-ons for homeowners insurance with Erie include coverage options for:
- Flood
- Earthquake
- Water damage
- Valuables
- Home equipment
- Theft
- Service lines
- Home businesses
- Rental income
Add-ons such as flood insurance may be of interest to you depending on what you have in your home, whether you work from home, and whether the home is your primary residence or a rental property.
Read more:
- Erie Auto Insurance Review
- Erie Insurance Exchange Review
- Erie Insurance Property & Casualty Company Review
Should I buy Erie home insurance?
If you live in a state where Erie sells home insurance, speak to an agent about purchasing a policy. Be sure to compare them with other companies before you buy a policy with anyone. It’s important to shop around for insurance coverage to make sure you aren’t overpaying for your coverage.
You can compare a quote you get from an Erie agent with quotes from top companies in your area to see which company offers the best homeowners insurance at an affordable cost. Be sure to use our free quote tool below to find and compare homeowners insurance rates from multiple companies today.
erie insurance group Insurance Rates Breakdown
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Driver Profile | Erie Homeowners | National Average |
|---|---|---|
| Clean Record | $160 | $119 |
| 1+ Ticket | $147 | $147 |
| 1+ Accident | $173 | $173 |
| DUI | $209 | $209 |
| Poor Credit | $205 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Erie home insurance is available in Maryland, Pennsylvania, West Virginia, Illinois, New York, Tennessee, Wisconsin, Indiana, North Carolina, Virginia, Kentucky, Ohio, and the District of Columbia. Your premium for Erie home insurance is based upon many factors such as location, your home’s value, other structures on your property, and more.
Read more: Erie Insurance Company of New York Review
Once you give a detailed description of your property to an Erie agent, the agent will be able to give you an accurate quote. The table below shows monthly rates for homeowners insurance with different insurance companies.
| Company | Average monthly cost |
|---|---|
| Allstate | $122 |
| State Farm | $125 |
| The Hartford | $134 |
| USAA | $83 |
| Travelers | $106 |
| Progressive | $86 |
| Farmers Insurance | $165 |
| Nationwide | $87 |
| American Family Insurance | $108 |
As you can see, rates vary based on the company you choose. But rates will also be greatly impacted by your state of residence. If you’d like to know what your cost for homeowners insurance would be, call an Erie insurance agent for more specific information.
Read more: Erie Auto Insurance Review
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
erie insurance group Discounts Available
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Discount | Erie Homeowners |
|---|---|
| Anti Theft | 10% |
| Good Student | 15% |
| Low Mileage | 10% |
| Paperless | 8% |
| Safe Driver | 18% |
| Senior Driver | 10% |
Discover the financial advantages of securing your home with Erie Family Life Insurance Company. In addition to comprehensive coverage, Erie offers a range of discounts tailored to make quality homeowners insurance more affordable. Explore the various ways you can save while safeguarding your home and valuables.
- Multi-Policy Discounts: Save by bundling multiple insurance policies with Erie.
- Safe Driver Discounts: Enjoy reduced premiums for maintaining a safe driving record.
- Good Student Discounts: Students with good academic performance may qualify for additional savings.
- Safe Home Discounts: Receive discounts for implementing safety features in your home.
- Multi-Car Discounts: Insure multiple vehicles with Erie and benefit from cost savings.
- Renewal Discounts: Earn discounts for staying loyal and renewing your policies with Erie.
- Pay-in-Full Discounts: Save by paying your insurance premium in full upfront.
Erie Family Life Insurance Company goes beyond providing robust homeowners insurance coverage – it offers a multitude of discounts designed to enhance your savings. By taking advantage of these cost-saving opportunities, you not only protect your home but also ensure that you do so with financial prudence.
How can I save on homeowners insurance?
One of the best ways to save money on your homeowners insurance policy is to apply for discounts. Erie home insurance offers a multipolicy discount, a safety systems discount, and an advanced quote discount to its policyholders. If you are curious whether you would be eligible for these or other discounts with Erie, you can ask an agent for assistance.
How erie insurance group Ranks Among Providers
Erie Family Life Insurance Company faces robust competition in the insurance industry, with several reputable companies vying for the attention of consumers seeking comprehensive coverage. While Erie distinguishes itself through its commitment to customization, exceptional customer service, and comprehensive coverage options, it’s essential to acknowledge some of its main competitors:
- State Farm: Known for its extensive network of agents and a wide range of insurance offerings. Offers competitive rates and a variety of discounts.
- Allstate: Emphasizes personalized coverage and provides a range of insurance products. Offers features like Claim Satisfaction Guarantee and Safe Driving Bonus.
- Geico: Renowned for its online presence and user-friendly interface. Offers competitive rates and various discounts, particularly for auto insurance.
- Progressive: Stands out for its innovative approach and Snapshot program for personalized auto insurance rates. Provides a diverse range of insurance products.
- Liberty Mutual: Offers a broad array of insurance solutions, including home, auto, and life insurance. Known for its customizable coverage options.
While Erie Family Life Insurance Company competes in a crowded market, its focus on flexibility, customer service, and comprehensive coverage positions it as a strong contender among these notable competitors. When selecting an insurance provider, individuals should carefully assess their unique needs and preferences to find the best fit for their family’s protection.
Free Home Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Erie Homeowners Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Erie Family Life Insurance Company offers policyholders a user-friendly and convenient claims process. Customers have multiple options for filing a claim, including seamless online submission, over-the-phone assistance, and the accessibility of mobile apps.
This flexibility ensures that policyholders can choose the method that best suits their preferences, making it easier to initiate a claim when needed.
Average Claim Processing Time
While specific claim processing times may vary based on the nature and complexity of the claim, Erie Family Life Insurance Company is known for its efficient and timely claims processing. The company prioritizes quick and efficient processing to provide policyholders with the necessary support and financial assistance during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding Erie’s claim resolutions and payouts is generally positive. Many policyholders express satisfaction with the promptness in settling claims and the fairness of the payouts received. This positive feedback reflects Erie’s commitment to ensuring that customers’ needs are met when filing a claim, contributing to a positive overall claims experience.
Erie Homeowners Insurance Digital and Technological Features
Mobile App Features and Functionality
Erie Family Life Insurance Company provides a mobile app that enhances the overall customer experience by offering convenient access to essential insurance information. The app includes features such as detailed policy information, billing details, and the ability to report and track claims.
This user-friendly app is designed to facilitate on-the-go access, ensuring that policyholders can manage their insurance affairs effortlessly.
Online Account Management Capabilities
Erie’s online account management platform empowers policyholders to take control of their insurance policies. Through the company’s website, customers can access and manage their accounts, view policy documents, make payments, and update their information.
This digital convenience simplifies the process of keeping insurance policies up-to-date, providing easy access to critical coverage details.
Digital Tools and Resources
Erie Family Life Insurance Company offers a range of digital tools and resources to help customers make informed decisions about their insurance coverage. These resources include educational articles, insurance calculators, and online quote tools.
By providing these digital resources, Erie aims to empower individuals and families to understand their insurance options and make confident choices for their financial security.
Does Erie home insurance have good reviews?
If you’re looking for Erie home insurance reviews online, you’ll find that A.M. Best has given the company an A+ (Superior) rating and a stable outlook for the future. Similarly, the Better Business Bureau (BBB) has given Erie an A+ rating on its website.
The BBB website also includes customer reviews, which only give Erie one out of five stars. But the company has closed over 100 cases in the past three years as documented on the BBB website.
Frequently Asked Questions
What is Erie homeowners insurance?
Erie homeowners insurance is a type of insurance policy that provides coverage for your home and its contents against various risks, such as fire, theft, vandalism, and natural disasters. It offers financial protection in case of property damage, loss, or liability claims.
What does Erie homeowners insurance cover?
Erie homeowners insurance typically covers the physical structure of your home, personal belongings, additional structures on your property, liability for injuries or property damage to others, and additional living expenses if your home becomes uninhabitable due to a covered loss.
How can I get a quote for Erie homeowners insurance?
To get a quote for Erie homeowners insurance, you can visit their official website, call their customer service hotline, or contact a local Erie insurance agent. They will ask you questions about your home and its features to provide an accurate quote.
Are there any discounts available with Erie homeowners insurance?
Yes, Erie offers various discounts that can help you save on your homeowners insurance premium. These discounts may include multi-policy discounts, security system discounts, claims-free discounts, new home discounts, and more. Check with Erie or your agent to see which discounts you may be eligible for.
How can I file a claim with Erie homeowners insurance?
In the event of a covered loss, you can file a claim with Erie by contacting their claims department directly. They will guide you through the process, ask for necessary information and documentation, and assist you in getting your claim settled promptly.
![](/wp-content/uploads/dw/-"BxwMo".png)
