Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Erie Insurance Home Insurance Review
Erie Insurance Home Insurance is an insurance carrier based in Erie, PA. The company was founded in 1925 and offers home insurance in 12 states (and Washington, DC).
Erie Insurance Home Insurance FAQ
What is the financial strength rating of Erie Insurance Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Erie Insurance Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Erie Insurance Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Erie Insurance Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Erie Insurance Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Electronic Data recovery insurance:
This is the most surefire coverage option for businesses. Electronic data loss insurance is configured specifically for businesses that rely on data. This insurance may also cover the costs associated with downtime that occurs due to data loss.
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Erie Insurance Home Insurance home insurance policy?
When you ask for a quote with Erie Insurance Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Erie Insurance Home Insurance.
What additional benefits does Erie Insurance Home Insurance offer?
Erie Insurance Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Erie Insurance Home Insurance Community Reviews
Would you recommend Erie Insurance Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have had Erie Insurance Home Insurance for over 20 years. When I had a roof leak, I called the local office and they were quick to act. They had a company come within hours to take down my ceilings and were very helpful throughout the entire process.
Debby T.
Oct 19, 2022
May or may not recommend
One thing you can always count on about Erie Insurance Home Insurance is their great customer service. They are very reliable, and there are locally available agents whenever you need them. Their services includes a wide range of coverages and has an A+ score financial strength rating. I would strongly recommend!
AS
Aaron S.
Aug 1, 2022
May or may not recommend
Erie Insurance was great to work with. Thankfully we didn't have any claims that we needed assistance with though. Prices got a bit high so we eventually had to leave but no issues prior.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
Erie Insurance goes above and beyond to provide their clients with a wide range of coverages. Their prices are affordable and great customer service.
LA
Lisa A.
Oct 11, 2021
May or may not recommend
I have had Erie Insurance Home Insurance for over 25 years. When I had a roof leak, I called the local office and they were quick to act. They had a company come within hours to take down my ceilings and were very helpful throughout the entire process.
AJ
Ashuntae J.
Oct 1, 2021
May or may not recommend
I only recently got insurance with Erie. Despite that, they have been the best insurance service I’ve had. They responded quickly and promptly. I was also able to get my claim processed in record time. Would recommend Erie Home Insurance to anyone that wants reliable insurance.
Michael B.
Jul 20, 2021
May or may not recommend
My family and I have used Erie Home Insurance for decades now and have never been disappointed. In fact, after an accidental fire took place in our garage, the Dwelling coverage they offer helped us immensely.
LC
Lacey C.
Jul 19, 2021
May or may not recommend
My parents, my sister, & myself all use Erie Insurance for our Home Insurance. We have been very happy with their service and bundle with our Auto as well. I would definitely recommend Erie.
OM
Okera M.
Jul 16, 2021
May or may not recommend
I would recommend Erie Home Insurance to anyone that is curious. It is a great and amazing insurance company.
AO
Adebola O.
Jun 6, 2021
May or may not recommend
It's just one of my houses I insured with Erie Insurance and they've been good all the way. Their 24/7 phone availability is one of the reasons I recommend them for other people.
RC
Robert C.
May 6, 2021
May or may not recommend
They did a great job taking care of an asbestos problem in my house and made the house safe to live in. It's been nothing but a positive experience the nice thing about the company is that the agents really get to know the customers on a personal level so they really meet your needs more efficiently any more quickly than these larger companies and their rates are the cheapest ...Show More
AB
Ashley B.
Apr 16, 2021
May or may not recommend
I have benefited from Erie reimbursed living expenses package when we had a fire outbreak in our combo apartment and our unit was damaged with smoke. The repair guys told us we had to vacate the apartment to enable them clean and replace damaged items from the fire outbreak. My insured motel bill with Erie insurance enabled me to rent a hotel and move in for few days while my ...Show More
TK
Timz K.
Apr 10, 2021
May or may not recommend
Truly wonderful onboarding and customer experience for a usually very stressful service.
HS
Holly S.
Nov 4, 2020
May or may not recommend
I originally started with Erie auto insurance. When our apartment told us we needed to have homeowner/renter insurance, I asked for a quote. The lady I spoke to was nice and helped me in a timely manner; I currently pay $11/month and it comes directly out of my checking account. I would recommend Erie home insurance along with the other services they provide.
U
Anonymous
Mar 21, 2015
May or may not recommend
I'm a very happy Erie Insurance customer. I've only had them since I bought my home-about five months ago. They gave me the lowest quote and then when I looked more into it, they give tons of extra insurance features. They really are a great company. I haven't had to file a claim yet, but I am 100% confident that they will cover anything that occurs. I couldn't be happier ...Show More
Showing 15 of 15 reviews