Purchasing a home insurance policy can protect your wallet when the unexpected occurs. Without home insurance, paying to repair or rebuild your home or replace your belongings after a sudden event like fire or theft can set you back thousands out of pocket. Homeowners insurance policies give you peace of mind, leaving you with the comfort of knowing you’re protected should disaster strike.
Unfortunately, not all home insurance companies are equal. They can differ in terms of coverage, cost, availability, quality of customer service, and more. The This Old House Reviews Team has created this in-depth Erie home insurance review to help you decide if the company is the best fit for your needs.
Table of Contents
- Our Take
- Pros & Cons
- How Much Does Erie Home Insurance Cost?
- Reviews of Erie
- Erie vs. The Competition
- Our Conclusion
- Company Information
- Our Methodology
- Frequently Asked Questions
Erie offers robust home insurance, including features in its basic policy that many of its competitors only offer as endorsements, like guaranteed replacement cost, pet coverage, and coverage for hard-to-replace items. The company’s prices are highly competitive, but it only offers home insurance in 12 states and has limited details on its website with no online quote tool. In order to receive a quote, customers have to speak with a local agent directly over the phone, which can be time-consuming. Overall, we give Erie a score of 92 out of 100.
On Erie’s Better Business Bureau profile, some complaints cite billing issues and delayed repairs. Reviews range from praising low prices and professionalism to expressing concerns about inefficiency in the claims process.
Pros & Cons
Compare the advantages and disadvantages of Erie homeowners insurance.
Erie Pros & Cons
|Competitive rates||Only available in 12 states|
|Guaranteed replacement cost included in basic policy||No online quote tool|
|24/7 customer service by phone|
Erie offers all industry-standard coverage in its basic home insurance policy, along with several other features that most of its competitors offer as optional endorsements.
|Dwelling + other structures||Covers cost of rebuilding or repairing your dwelling and detached structures (like a garage or shed) in the event of a covered loss|
|Personal property||Covers cost of replacing personal property, including furniture, electronics, appliances, and clothes, in case of a covered loss|
|Liability||Covers cost of legal fees in the event you are sued by a guest for injury or personal property damage|
|Loss of use/additional living expenses||Covers cost of living outside your home (including accommodations) when it is temporarily uninhabitable due to a covered loss|
|Medical payments to others||Covers cost of medical expenses associated with a guest getting injured on your property|
|Guaranteed replacement cost||Covers cost to completely repair or rebuild your home after total loss (exceptions apply)|
|Theft coverage||Covers cost of replacing lost belongings|
|Pets||Covers up to $500|
|Precious metals and cash||Covers up to $500|
Erie offers several endorsements to allow you to customize your coverage.
|Equipment breakdown||Covers cost of equipment breakdown, including smart home technology and computers|
|Jewelry and valuables||Covers cost of replacing valuables and jewelry|
|Identity theft protection||Covers costs associated with restoring your identity|
|Water backup||Covers cost of repairing damage from water backup from both drain and sewer or sump pump failure|
|Service lines||Covers cost to repair underground service and utility lines|
Erie homeowners insurance is only available in 12 states throughout the midwestern US and mid-Atlantic, and the District of Columbia.
- New York
- North Carolina
- West Virginia
How Much Does Erie Home Insurance Cost?
The exact amount you pay for Erie homeowners insurance will depend on a variety of different factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.
We spoke to a representative for a quote for a two-story, single-family, 2,000-square-foot home in Houston, Texas. The quoted monthly cost of $125.91 is only slightly higher than the national monthly average, which the Insurance Information Institute has determined as $101.
|Type of Coverage||Amount of Coverage|
|Type of Coverage||Amount of Coverage|
|Loss of use||$67,200|
|Liability||$300,000 each occurrence|
|Medical payments to others||$1,000 per person|
|Multi-policy||Discount for bundling Erie insurance policies|
|Protective devices||Discount for installed protective systems like burglar or fire alarms|
|Advanced quote||Discount for receiving a home insurance quote at least one week before your policy renews|
Reviews of Erie Insurance
Erie is not accredited by the Better Business Bureau and holds an A+ rating from the organization. See what some customers had to say about their experiences with Erie.
Mary Sue said:
“I’m 85, have had several insurers over the years, and Erie is the best! Their reps are easy to reach, they handle claims quickly, and their prices are lower than most.”
“Incompetent. Rude. Fight every step of the way to avoid paying out on claim after storm damage to home. Most stressful experience with an insurance agency. Claims ‘supervisor’ was arrogant and extremely unprofessional in communication. We will be changing agencies once this god awful experience is over.”
Erie vs The Competition
See how Erie stacks up against some of its top competitors on key metrics.
|Get a Free Quote||Not available through This Old House||Lemonade.com||Not available through This Old House|
|State Availability||12||23*||48 (not available in AK and HI)|
|Years in Business||96||6||114|
|24/7 Customer Service||✓||✓||✓|
|Protective Devices/Safety Features Discount||✓||✓||✓|
*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI
Erie offers comprehensive home insurance coverage at competitive prices. In addition to the industry-standard protections, the basic policy includes various perks that are usually offered as endorsements by its competitors, like guaranteed replacement cost, coverage for hard-to-replace items, and pet coverage. However, unlike many of its competitors, Erie homeowners insurance is only available in 12 states. Also, no online quote tool is available, meaning prospective customers have to speak with a local agent over the phone to receive a quote. We give Erie home insurance a score of 92 out of 100.
- Company name: Erie
- Company type: Public
- CEO: Timothy G. Necastro
- Year founded: 1925
- Headquarters: 100 Erie Insurance Place, Erie, PA 16350
- State availability: 12
- BBB rating: A+
The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
Frequently Asked Questions
What does Erie home insurance cover?
Erie home insurance is comprehensive, as its coverage types include dwelling, other structures, personal property, personal liability, additional living expenses, and medical payments to others in addition to guaranteed replacement cost in its basic policy.
What states have Erie insurance?
The following states offer Erie insurance: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Erie also provides homeowners insurance in the District of Columbia.
Is Erie insurance cheaper than Geico?
There is no straightforward answer to this question, because Geico does not underwrite its own policies. It works with more than 30 underwriters in different states, so costs can vary widely.
What discounts does Erie offer?
Erie offers three discount options: multi-policy, protective devices, and advanced quote.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.