Erie Insurance Home Menu 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. REQUEST A QUOTE 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. Previous Slide Next Slide Item 1 of 3 Item 2 of 3 Item 3 of 3 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. 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. Add to Request Personal Liability Coverage for personal liability claims (in case you hurt other people or their property). Add to Request Identity Recovery Coverage to help you recover after identity theft or fraud. Add to Request Service Line Protection Coverage for damage to underground service and utility lines from your house to the curb. Add to Request 0 Selected REQUEST A QUOTE OUR AGENTS We have more than 13,000 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* Fire, burglary alarm, sprinkler system credit Advanced quote discount Multi-policy discount *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 lost or misplaced items Limited Fewer items covered, more exclusions Coverage for Valuables Better Ample limits for jewelry, watches, precious stones and firearms Limited Lower limits for theft only Gift Card and Gift Certificate Reimbursement Coverage4 Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed Maybe Typically not covered (or restricted if covered) 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 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. 4Reimbursement for up to $250 per gift card purchased at local businesses within 100 miles of policyholder’s residence if the business permanently closes within a year after the purchase. Limited to $500 per policy period. See related stories from our blog HOME SENSE What is Guaranteed Replacement Cost? HOME SENSE How Much Does Home Insurance Cost? HOME SENSE The Hidden Risk Many Homeowners Ignore HOME INSURANCE QUOTE Find out if ERIE is right for you. An agent will be in touch. REQUEST A QUOTE Erie Insurance Home Above All in Service - Since 1925 Call ERIE (800) 458-0811 .cls-1{fill:#fff;}phone-white CONTACT ERIE .cls-1{fill:#fff;}checklist-white START A CLAIM .cls-1{fill:#fff;stroke:#fff;stroke-miterlimit:10;}wrench-white REPAIR SHOP LISTING .cls-1{fill:#fff;stroke:#fff;stroke-miterlimit:10;stroke-width:0.25px;}wallet-white MAKE A PAYMENT .cls-1,.cls-2{fill:#fff;}.cls-2{stroke:#fff;stroke-miterlimit:10;}question-white SUPPORT CENTER Erie Insurance Group has earned A.M. Best's rating of A+ (Superior). Erie Family Life Insurance Company has earned A.M. Best's rating of A (Excellent). From FORTUNE. © 2021 FORTUNE Media IP Limited All rights reserved. Used under license. FORTUNE is a registered trademark of FORTUNE Media IP Limited and is used under license. 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