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.
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 and Cons
Compare the advantages and disadvantages of Erie homeowners insurance.
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|
|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|
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|
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 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.
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
- 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+
Other Homeowners Insurance Resources
Frequently Asked Questions About Erie Home Insurance
The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
- Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
- State availability (7.5): Companies scored higher if they covered more states than their competitors.
- Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
- Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
- Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
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.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.