Overview of Erie Home Insurance

Erie has been in business since 1925, when two Pennsylvania men invested a dime in a writing tablet and scribbled out their business plan for a new insurance company. Their idea took off, and by 1961 the company had added home insurance for its customers. Unlike most insurance companies today, Erie doesn’t focus on amusing ad campaigns; in fact, when the company decided to get serious about advertising a few years ago, the main point of the campaign was to poke fun at other companies’ outrageous characters, like Progressive’s Flo and the GEICO gecko. Even without such showmanship, Erie still manages to earn a spot among the nation’s top 10 home insurance providers, with a market share of more than 1.5 percent.

How Does Erie Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2015 U.S. Household Insurance Study – Homeowners Insurance.The highest score for each category is five stars. The Erie Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website. The Erie Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: September 2016

Financial Strength Rating

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of Erie Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.

Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A+

Effective Date: June 2016

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of Erie Home Insurance


  • Erie rates better than most in customer satisfaction in the 2015 J.D. Power Homeowners Insurance study.
  • If you don’t want to spend time mixing and matching options, Erie streamlines the process with pre-set packages that offer different levels of coverage, as well as various bundles of extra options.
  • Erie offers business insurance, as well as auto and life, so it’s easy to keep all of your insurance policies grouped together with one company. The company also offers landlord policies—also known as long-term rental policies—as well as condo, renters’ and mobile home insurance.
  • The website includes multiple articles on topics such as disaster preparedness and home safety and maintenance, offering tips for consumers that go beyond simply determining their insurance needs.


  • Erie doesn’t have widespread coverage, only writing homeowner insurance in 12 states.
  • It’s not possible to build a home insurance quote online; potential customers will have to contact an agent instead.
  • Erie doesn’t have a mobile app for their homeowners insurance.

Erie Home Insurance Coverage

Erie’s business model is to offer specific packages of coverages, rather than letting customers assemble a policy themselves. A basic HomeProtector package offers three tiers of coverage: Broadcover, Extracover or Ultracover. Clients who wish additional protection can instead opt for an ErieSecure package, which includes additional coverage and limits, and also comes at three levels: Advantage, Plus or Select version.

The different coverage packages essentially reflect that you can choose from among a bare-bones policy, a standard policy or a policy with extended coverage. Going with the basic package will likely result in lower premiums, but you will want to check closely to see what perils are excluded from your coverage. These packages also include coverages for liability, loss of use, and other structures, and the features and limits will depend upon which package you choose and which state you are in.


This very basic policy will protect your home and property from a list of named perils, such as fire, theft, and wind or hail damage.


This policy provides a bit more protection, as it will cover losses to your house from a wider range of threats, although the same restricted list applies to your personal belongings.


The best package of protection provides comprehensive coverage for both the house and your personal property.

The optional coverages can be obtained by choosing an ErieSecure package at one of its three levels (Advantage, Plus and Select). The options increase as you move up the scale of available endorsement bundles.

Guaranteed replacement cost

This comes with the basic ErieSecure package and ensures that your home will be covered in full if damaged or destroyed.

Identity recovery and fraud reimbursement coverage

This option comes with the Advantage bundle of the ErieSecure package to help cover costs incurred from dealing with an incident of identity theft.

Advantage increased limits

Also a part of the Advantage bundle, this option provides for increased limits of coverage for high-value items, such as jewelry or silverware, that fall into the special limits of coverage category.

Plus increased limits

The next bundle up on the list includes increased levels of coverage for trailers, watercraft, debris removal, personal computers and business personal property.

Waiver of deductible

The Plus bundle of optional endorsements includes a waiver of deductible for losses over $50,000.

Select increased limits

The highest level bundle of optional coverages allows you to increase your policy limits even further.

Earthquake insurance

Erie offers this option for a percentage deductible of the policy amount.

Flood insurance

Through its partnership with American Bankers, Erie customers may purchase flood insurance through the National Flood Insurance Program.

Available Discounts on Erie Home Insurance Coverage

The discounts available for home policies are fairly limited, and standard to the industry, but may save customers money if they qualify.

Type of Discount Description
Multi-policy discount When you purchase two or more policies through the company, you qualify for a discount.
Fire, burglary alarm and sprinkler system credit If your home is equipped with alarm systems, you could be eligible for this discount.
Advance quote discount Planning ahead can pay off: if you get a quote one week to two months before your policy goes into effect, there is a savings in it for you.

How to Make a Home Insurance Claim with Erie

You can file your Erie home insurance claim by getting in touch with your agent by phone, calling the 24-hour claims number or submitting a claim online. The website also includes a to-do list for homeowners who need to file a claim. Your case will be assigned a number and a handler, and an adjuster will then contact you to confirm the extent of the damage, perhaps make a physical inspection, and go over the coverage provided by your policy. The company is flexible in working with a contractor of your choice, or of recommending one if you don’t have one lined up. Erie suggests that you keep a file of your claim’s details so that you can refer to it whenever you speak with an Erie representative.

How to Contact Erie Home Insurance

States Served