Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 29, 2021

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The Lowdown

  • Erie Insurance offers a standard homeowners insurance policy with optional add-ons
  • Insurance rates with Erie vary depending on where you live, the size of your home, and more
  • Erie home insurance has an A+ rating with A.M. Best and the Better Business Bureau

If you live in the northeast U.S., and are looking for a home insurance policy, Erie home insurance may be a good fit for you.

Erie offers homeowners insurance with several options to help cover your home. Keep reading to learn more about Erie insurance and the products it offers.

As you shop for homeowners insurance, you will want to find the best home insurance policy near you. You can compare quotes from multiple companies to see which one offers the most affordable coverage that meets your needs.

Use our free tool above to get started in your search for homeowners insurance today.

What does Erie home insurance offer?

Erie insurance offers a standard homeowners insurance policy that includes coverage for your primary dwelling. This coverage will help pay to repair damage caused by storms, fire, and more.

Erie’s standard homeowners insurance also offers a loss-of-use coverage that will pay for housing, food, and other items if you’re forced to relocate after significant damage to your home.

With the liability coverage offered by Erie, you can protect yourself against medical costs and lawsuits from events such as if someone falls while on your property or if your dog bites them. Erie also covers the total loss of a home if it is beyond repair.

Erie’s homeowners insurance options vary from state to state. If you’re interested in coverage with Erie, speak to an agent to clarify what you can purchase and any add-ons you’re interested in including.

Add-ons for homeowners insurance with Erie include coverage options for:

  • Flood
  • Earthquake
  • Water damage
  • Valuables
  • Home equipment
  • Theft
  • Service lines
  • Home businesses
  • Rental income

Add-ons such as flood insurance may be of interest to you depending on what you have in your home, whether you work from home, and whether the home is your primary residence or a rental property.

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How much does Erie home insurance cost?

Erie home insurance is available in Maryland, Pennsylvania, West Virginia, Illinois, New York, Tennessee, Wisconsin, Indiana, North Carolina, Virginia, Kentucky, Ohio, and the District of Columbia.

Your premium for Erie home insurance is based upon many factors such as location, your home’s value, other structures on your property, and more. Once you give a detailed description of your property to an Erie agent, the agent will be able to give you an accurate quote.

The table below shows monthly rates for homeowners insurance with different insurance companies.

CompanyAverage monthly cost
Allstate$122
State Farm$125
The Hartford$134
USAA$83
Travelers$106
Progressive$86
Farmers$165
Nationwide$87
American Family$108
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As you can see, rates vary based on the company you choose. But rates will also be greatly impacted by your state of residence.

If you’d like to know what your cost for homeowners insurance would be, call an Erie insurance agent for more specific information.

How can I save on homeowners insurance?

One of the best ways to save money on your homeowners insurance policy is to apply for discounts.

Erie home insurance offers a multipolicy discount, a safety systems discount, and an advanced quote discount to its policyholders. If you are curious whether you would be eligible for these or other discounts with Erie, you can ask an agent for assistance.

Is it easy to file a claim with Erie home insurance?

To make Erie home insurance claims, call an Erie representative directly. The company does not allow policyholders to file claims on the website.

Once you speak to an agent, you will need to take pictures of the damage or make a list of any stolen items. If you make temporary repairs to your home, be sure to keep all receipts to be reimbursed by Erie at a later date.

An Erie agent will let you know how to file your claim. Once you’ve filed your claim, you will be able to track the status of your Erie home insurance claim on the company’s website.

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Does Erie home insurance have good reviews?

If you’re looking for Erie home insurance reviews online, you’ll find that A.M. Best has given the company an A+ (Superior) rating and a stable outlook for the future.

Similarly, the Better Business Bureau (BBB) has given Erie an A+ rating on its website. The BBB website also includes customer reviews, which only give Erie one out of five stars. But the company has closed over 100 cases in the past three years as documented on the BBB website.

Should I buy Erie home insurance?

If you live in a state where Erie sells home insurance, speak to an agent about purchasing a policy. Be sure to compare them with other companies before you buy a policy with anyone.

It’s important to shop around for insurance coverage to make sure you aren’t overpaying for your coverage.

You can compare a quote you get from an Erie agent with quotes from top companies in your area to see which company offers the best homeowners insurance at an affordable cost.

Be sure to use our free quote tool below to find and compare homeowners insurance rates from multiple companies today.

Erie Home Insurance Review [2022] Additional Information

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Erie Home Insurance Review [2022] Insurance Quotes

If you already have Erie Home Insurance Review [2022] insurance quotes then be sure that you compare your quoted Erie Home Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!