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If you’re looking for generous homeowners insurance coverage, Erie is a company to consider. Depending on where you live, your Erie home insurance policy may include guaranteed replacement cost coverage for the structure of your home. That means the company will pay what it takes to rebuild your home after a covered claim, even if it’s more than your dwelling coverage limit.
However, Erie home insurance is available in only a dozen U.S. states plus Washington, D.C.
Best for: Homeowners in the Mid-Atlantic or Midwest who want to work with an agent.
Erie home insurance pros and cons
Rates are generally cheaper than the national average.
Not available in most states.
Policies may include guaranteed replacement cost for your home.
Receives fewer consumer complaints than expected for a company of its size.
How Erie home insurance rates
Erie homeowners insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Erie is among NerdWallet’s Best Home Insurance Companies for 2022.
Erie homeowners insurance is available in 12 states and Washington, D.C.
Erie home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Erie’s homeowners insurance policies offer the usual features, plus some nice perks:
Guaranteed replacement cost ensures your home will be covered in full if it’s destroyed or damaged, with no “wear and tear” taken into account. This isn’t available in all states.
Animals are covered up to $500.
Theft or loss of your belongings is covered with Erie’s base homeowner policy. (Many competitors won’t pay for a lost or misplaced item.)
Coverage for hard-to-replace items, such as deeds and passports.
Gift card and gift certificate coverage that reimburses you if a local business closes.
Cash and precious metals are covered up to $500.
You can also add customized options to your policy, such as:
Identity theft recovery.
Water backup and sump overflow coverage.
Coverage for underground utility lines and pipes.
Extra coverage for valuable items or collections.
Erie home insurance rates
The average annual cost of Erie home insurance is $1,356, according to NerdWallet’s rate analysis. That’s less than the national average of $1,784. In most of the states we analyzed, Erie’s rates were also lower than the state average.
Depending on where you live, you may qualify for discounts on:
Having smoke alarms, burglar alarms or automatic sprinklers.
Getting a home insurance quote at least a week before your policy renews.
Having more than one Erie policy.
Erie had fewer than the expected number of complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Website: You can’t get a homeowners insurance quote on the Erie website. But you can find a local agent, see policy information, check claim status and pay your bill.
Mobile app: You can use the Erie app to view policy details, pay bills, see your agent’s contact information and check the status of a claim. It’s available for both iOS and Android.
Homeowners insurance buying guide
You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:
Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.
Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.
Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
» MORE: Erie renters insurance review
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
To find the national cost of homeowners insurance, NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We then compared Erie’s rates to the average rate for all companies in states where it offers policies and where its rates were available from Quadrant Information Services.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.