Erie Homeowners Insurance Review 2024

Erie home insurance policies offer the most comprehensive coverage available for the structure of your house.
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Written by Sarah Schlichter
Lead Writer
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Assigning Editor
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Erie

4.5

NerdWallet rating 
Best for homeowners in parts of the Mid-Atlantic, Southeast or Midwest who want to work with an agent.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Erie

4.5

NerdWallet rating 
Best for homeowners in parts of the Mid-Atlantic, Southeast or Midwest who want to work with an agent.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

About Erie home insurance

4.5

NerdWallet rating 

Erie homeowners insurance earned 4.5 out of 5 stars for overall performance. 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.

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Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Where Erie stands out

Coverage. Erie’s default homeowners policy is generally more comprehensive than other companies’ offerings.

Customer satisfaction. Erie drew fewer consumer complaints to state regulators than expected and ranked No. 1 for customer satisfaction in J.D. Power’s 2023 home insurance study.

Where Erie falls short

Online quotes. You’ll need to speak to an agent to get a quote or buy a policy.

Availability. Erie is a regional insurer, which means its policies aren’t available in most of the country.

State availability

Erie homeowners insurance is available in 12 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all homeowners in a given state.

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 sheds or fences.

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.

Erie’s homeowners insurance policies offer the usual features, plus some nice perks:

  • Guaranteed replacement cost coverage 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.

  • Replacement cost coverage for personal property pays for brand-new items if your belongings are stolen or destroyed.

  • 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 includes things like deeds and passports.

  • Gift card and gift certificate coverage 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:

Erie home insurance rates

The average annual cost of Erie home insurance is $1,500, according to NerdWallet’s rate analysis. That’s less than the national average of $1,915.

Erie sells policies in a limited number of states. In more than half of the ones we analyzed, Erie's rates were lower than the state average.

Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.

Discounts

Depending on where you live, you may qualify for discounts if you:

  • Have smoke alarms, burglar alarms or automatic sprinklers.

  • Get a home insurance quote at least a week before you need coverage to start.

  • Buy more than one Erie policy.

  • Pay in full and/or through autopay.

  • Have a new home.

  • Take steps to protect your home from wind damage.

Consumer complaints

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.)

Consumer experience

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.

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.

Claims: You can submit an Erie home insurance claim by contacting your local agent or calling 800-367-3743. Erie will assign an adjuster who will inspect the damage and determine coverage. You can track the status of your claim through your online account. For advice, see how to file a home insurance claim.

Customer service: Support is available by calling 800-458-0811 or contacting your agent.

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The bottom line

If you live in the region where Erie does business, its policies are worth considering, thanks to its strong coverage. However, you’ll need to be willing to spend some time on the phone to get covered.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Current Product

Erie Home Insurance
NJM Home Insurance
State Farm Homeowners Insurance
NerdWallet rating 

4.5

/5
NerdWallet rating 

5.0

/5
NerdWallet rating 

4.5

/5

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

Far fewer than expected

Complaints to NAIC 

Fewer than expected

Coverage 

More than average

Coverage 

More than average

Coverage 

More than average

Discounts 

Average set of discounts

Discounts 

Great set of discounts

Discounts 

Average set of discounts

Bottom line 

Best for homeowners who want to work with an agent.

Bottom line 

Offers strong coverage in the five states it serves.

Bottom line 

Well-established insurer with a lengthy list of coverage options.

Frequently asked questions

Erie offers annuities and individual retirement accounts, as well as a range of policies, including renters, condo, umbrella, boat, business and auto insurance. Read our Erie auto insurance review to learn more.

Erie’s mold coverage varies from state to state, but the company will generally pay up to $10,000 to remove or remediate mold if it was caused by a covered disaster. Learn more about mold and homeowners insurance.

Although the company is based in Pennsylvania, it sells insurance in 11 other states plus Washington, D.C.

Methodology

Homeowners insurance star 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, coverage, 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.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

  • Consumer complaints (30%).

  • Financial strength (30%).

  • Coverage (20%).

  • Consumer experience (10%).

  • Discounts (10%).

Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. 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 made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

In This Review . . .