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Erie Home Insurance Review 2021

Erie offers robust home insurance coverage, including guaranteed replacement cost in its standard policy, and is available in 12 states.

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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
  • Coverage
  • Availability
  • How Much Does Erie Home Insurance Cost?
  • Reviews of Erie
  • Erie vs. The Competition
  • Our Conclusion
  • Company Information
  • Our Methodology
  • Frequently Asked Questions

Our Take

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

Pros Cons
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

Coverage

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.

Erie Coverage

Type Description
Type Description
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.

Erie Endorsements

Type Coverage
Type 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

Availability

Erie homeowners insurance is only available in 12 states throughout the midwestern US and mid-Atlantic, and the District of Columbia.

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

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.

Erie Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $336,000
Other structures $67,200
Personal property $235,200
Loss of use $67,200
Liability $300,000 each occurrence
Medical payments to others $1,000 per person
Monthly Cost $125.91

Discounts

Erie Discounts

Type Description
Type Description
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.”

Julie said:

“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.

Comparison

Provider Erie Lemonade Amica®
Provider Erie Lemonade Amica®
Get a Free Quote Not available through This Old House Lemonade.com Not available through This Old House
Our Score 92 83.50 96.60
State Availability 12 23* 48 (not available in AK and HI)
BBB Rating A+ B+ A+
Years in Business 96 6 114
24/7 Customer Service
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App X
Online quote X

*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

Our Conclusion

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.

We always recommend getting multiple home insurance quotes before choosing a company so that you have a broad basis for comparison. You can do by calling 855-948-5219 or by entering your zip code below:

Company Information

  • 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+

Our Methodology

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 reviews@thisoldhousereviews.com.