Your home — it’s your favorite place to lie down at night and rise to the sun in the morning. Find out how we can help you protect it.
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Helps protect you if you hurt someone or damage someone’s property. DID YOU KNOW? Falls on icy walkways and dog bites are small things that can turn into bigger problems and even lawsuits. Your ERIE agent can help you make sure your family is protected properly.
Protects items inside your home from damage, theft and loss. DID YOU KNOW? The average cost of a fire claim is nearly $40,000. Your ERIE agent can help you with your coverage and identify high-value items that need extra protection on your policy.
Helps protect your home’s exterior from the weather, fire and other sources of damage. DID YOU KNOW? If your home was destroyed, you'd want enough insurance to rebuild—at current construction costs. An ERIE agent can help make sure you have just what you need and want.
We strive to exceed your expectations and provide service with a human touch.
We promise to explain your coverage and answer all your questions.
We’ll be there–night or day–when you need us the most.
We'll give you a choice of coverages that works best for you.
We’ll help pay for additional living expenses, if you have to live somewhere else while your home is repaired.
We offer personal liability protection anywhere in the world. It can help protect you if you hurt someone or damage someone’s property.
See what our customers have said about ERIE's home insurance and claims service.
"Contacted my agent, he filed my homeowners claim, and an adjuster contacted me the same day. Could not be simpler or more timely."
Robert P.
Bensalem, PA
"ERIE will be my insurance company for the rest of my life. They really helped me through one of the most traumatic experiences of my life."
Andrew J.
Clarksville, TN
"Great service and my adjuster walked me through the whole process. Very pleased, thank you for making a bad situation better."
Cassidy B.
Washington, DC
It's nice to know that when something goes wrong, your coverage goes the distance.
WATCH THE VIDEOWe have more than 14,000 agents dedicated to helping you choose coverage that’s right for you.
You can count on our agents to help you make good decisions about your insurance protection.
You might be uneasy about starting a claim, but our agents will guide you through the claims process.
ERIE offers multi-policy discounts from 16% to 25%, depending on your state, when you insure your auto and home with us. 1 Ask about ERIE’s multi-policy discount and other discounts to see what you could save.
1 Savings are based on individually purchased policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.
Fire, burglary alarm, sprinkler system credit
A discount is available when you install smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.
Advanced quote discount
If you get a home insurance quote 7 to 60 days before your policy renews, the savings could be yours.
Save on your auto and homeowners insurance with a qualified life insurance policy.
*All discounts are subject to eligibility criteria and applicable rates and rules. Actual savings vary. ERIE® life insurance products and services are provided by Erie Family Life Insurance Company, a member of Erie Insurance Group, and are not available in New York.
We believe the proof is in the policy.
Our home insurance base policy includes many features that are better than a typical competition policy. 1 Talk to an agent about ERIE’s home insurance coverage.
ERIE's Base Policy 1
Typical Competitor Policy 2
100% Guaranteed Replacement Cost 3
Better True guaranteed replacement cost
Limited Extended coverage with limits and qualifiers
Personal Property Coverage
Better Extensive coverage, fewer exclusions
Limited Fewer covered incidents, more exclusions
Better Coverage includes lost or misplaced items
Limited Fewer items covered, more exclusions
Coverage for Valuables
Better Ample limits for jewelry, watches, precious stones, and firearms
Limited Lower limits for theft only
Gift Card and Gift Certificate Reimbursement Coverage 4
Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed
Maybe Typically not covered (or restricted if covered)
Animals, Birds and Fish
Better Covered to $500
Maybe Typically no covered (or restricted if covered)
Cash and Precious Metals
Better Covered to $500
Inadequate Covered, but less than 50% of ERIE's dollar value
Coverage for Hard-to-Replace Items
Better Covered items include accounts, bills, deeds, passports, etc.
Limited Restrictive list of covered items, with significantly lower dollar limits
100% Guaranteed Replacement Cost 3
ERIE's Base Policy 1
Better True guaranteed replacement cost
Typical Competitor Policy 2
Limited Extended coverage with limits and qualifiers
Personal Property Coverage
ERIE's Base Policy 1
Better Extensive coverage, fewer exclusions
Typical Competitor Policy 2
Limited Fewer covered incidents, more exclusions
ERIE's Base Policy 1
Better Coverage includes lost or misplaced items
Typical Competitor Policy 2
Limited Fewer items covered, more exclusions
Coverage for Valuables
ERIE's Base Policy 1
Better Ample limits for jewelry, watches, precious stones, and firearms
Typical Competitor Policy 2
Limited Lower limits for theft only
Gift Card and Gift Certificate Reimbursement Coverage 4
ERIE's Base Policy 1
Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed
Typical Competitor Policy 2
Maybe Typically not covered (or restricted if covered)
Animals, Birds and Fish
ERIE's Base Policy 1
Better Covered to $500
Typical Competitor Policy 2
Maybe Typically no covered (or restricted if covered)
Cash and Precious Metals
ERIE's Base Policy 1
Better Covered to $500
Typical Competitor Policy 2
Inadequate Covered, but less than 50% of ERIE's dollar value
Coverage for Hard-to-Replace Items
ERIE's Base Policy 1
Better Covered items include accounts, bills, deeds, passports, etc.
Typical Competitor Policy 2
Limited Restrictive list of covered items, with significantly lower dollar limits
The information is a summary and does not include all coverages and benefits available through an ErieSecure Home® policy or apply to all states. Coverages, benefits, limits and deductibles will vary. Conditions, exclusions and limitations will apply. Refer to our disclaimer for more information. Talk to an ERIE agent for state specific policy information.
Based on a comparison of ERIE’s major competitorsGuaranteed Replacement Cost requires home improvements over $5,000 to be reported within 90 days—not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made. Talk to your ERIE agent for more information.
Reimbursement for up to $250 per gift card purchased at local businesses within 100 miles of policyholder’s residence if the business permanently closes within a year after the purchase. Limited to $500 per policy period.
Find out if ERIE is right for you. An agent will be in touch.
Request a QuoteWhat could be worse than losing your home in a fire or natural disaster? Finding out you don’t have enough homeowners insurance to rebuild it.
But if you have Guaranteed Replacement Cost2 coverage from Erie Insurance, you can rest easy knowing your coverage will go the distance. Because unlike other types of homeowners policies that subtract for wear and tear or depreciation, ERIE will rebuild your home to its former glory – at today’s cost.
If the cost of construction or materials goes up, we’ve got your covered – even if it’s more than the amount listed on your policy.
Ask your local ERIE agent about Guaranteed Replacement Cost coverage today – and get the peace of mind you deserve.
Erie Insurance Exchange, Erie Insurance Co., Erie Insurance Property & Casualty Co., Flagship City Insurance Co. and Erie Family Life Insurance Co. (Erie, PA) or Erie Insurance Co. of New York (Rochester, NY). Go to erieinsurance.com for company licensure and product details.
*Terms, conditions and exclusions apply. See your policy for details.
