• Cons
    Limited availability across states., Absence of online quotes.
  • Coverage Type
    Exceeds the typical coverage
  • Discounts Type
    Standard
  • Consumer Complaints
    Erie received significantly fewer complaints than expected relative to its size, according to data from the National Association of Insurance Commissioners for the past three years. (This data also includes complaints about other types of home policies, such as mobile home, renters, and condo insurance.)
  • Digital Experience
    While you can't get a homeowners insurance quote on the Erie website, you can contact a local agent, view policy information, check claim status, and pay your bill., The Erie app allows you to view policy details, pay bills, access your agent's contact information, and track the status of a claim. The app is available for both iOS and Android devices.
  • Discounts
    Discounts for installing smoke detectors, burglar alarms, or automatic sprinklers., Discounts for getting a home insurance quote at least one week before the coverage start date., Discounts for purchasing more than one Erie policy., Discounts for new homeowners., Discounts for taking measures to protect your home from wind damage.
  • Falls Short
    Absence of online quotes. To obtain a quote or purchase a policy, you would need to communicate with an agent., Availability. As a regional insurer, Erie's policies aren't accessible in the majority of the country.
  • Contacting Customer Service
    Customer support is accessible by calling 800-458-0811 or by reaching out to your agent., For more information, see the Erie renters insurance review.
  • Claim Filing
    To file an Erie home insurance claim, you can either contact your local agent or call 800-367-3743. Erie will assign an adjuster to inspect the damage and determine the coverage. You can monitor the progress of your claim through your online account. For further guidance, see instructions on how to file a home insurance claim.
  • Not Covered
    Flood damage., Earthquakes., Negligence., Mold damage., Infestations.
  • Optional Coverage
    Recovery from identity theft., Water backup and sump overflow coverage., Underground utility lines and pipes protection., Coverage for valuable items or collections., Breakdown coverage for appliances or major home systems., Homesharing coverage.
  • NAIC Complaints
    Significantly less than anticipated
  • Pros
    Possibility of including guaranteed replacement cost coverage in policies., Gets significantly less complaints than anticipated for a company of its size.
  • Standar Coverage
    Dwelling. Covers the cost of repairing or rebuilding your home's structure., Other structures. Provides coverage for damages to detached structures like sheds or fences., Personal property. Covers the cost of repairing or replacing personal items like furniture or clothing., Loss of use. Covers expenses such as hotel stays, restaurant meals, or other costs if you need to live elsewhere during covered repairs of your home., Personal liability. Covers legal costs and damages if you're accountable for injuries to others or their property., Medical payments. Covers injuries to guests in your home, regardless of who's at fault.
  • Stands Out
    Coverage. Erie's standard homeowners policy is typically more extensive than what other companies offer., Customer satisfaction. Erie received significantly fewer consumer complaints than expected and ranked above average in J.D. Power's 2024 home insurance study[1] in terms of customer satisfaction.
  • State Availability
    District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
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