Erie
- Policies may include guaranteed replacement cost coverage.
- Receives fewer complaints than expected for a company of its size.
- High customer satisfaction ratings in recent J.D. Power studies.
- Not available in most states.
- No online quotes.
About Erie home insurance
Erie homeowners insurance earned 4.6 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 house. 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.
Based on this star rating, Erie is on NerdWallet’s list of The Best Home Insurance Companies of 2025.
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Coverage. Erie’s default homeowners policy is generally more comprehensive than other companies’ offerings.
Consumer complaints. Erie draws a low rate of complaints to state regulators.
Customer satisfaction. Erie ranked above average for customer satisfaction in recent J.D. Power surveys.
Where Erie home insurance falls short
Availability. Erie is a regional insurer, which means its policies aren’t available in most of the country.
No online quotes. You’ll need to speak to an agent to get a quote or buy a policy.
What Erie home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
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 coverage ensures your home will be covered in full if it’s destroyed, even if it costs more than expected to rebuild. This may not be available in all states.
Animals are covered up to $500.
Loss of your belongings is covered with Erie’s base homeowner policy. (Many competitors pay for theft, but not for stuff you’ve simply misplaced.)
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.
Without replacement cost coverage, an insurance company would pay you the actual cash value of your stuff after a claim. So if a fire destroys your 15-year-old bedroom set, you’d get a payout based on what the furniture was worth at the time of the fire — not enough to buy a brand-new set.
Optional Erie home insurance coverage
You can also add customized options to your policy, such as coverage for:
Replacement cost coverage for personal property to pay for brand-new items if your belongings are stolen or destroyed.
Identity theft to help with recovery expenses.
Water backup and sump overflow, in case a drain backs up or your sump pump fails.
Underground utility lines and pipes, which are your responsibility even if they connect to public services.
Valuable items or collections such as jewelry or fine art..
Equipment breakdown to repair appliances or major home systems that fail.
Home-sharing for people who rent their homes on sites like Airbnb or Vrbo.
What’s not covered
Erie homeowners policies won’t cover damage from:
Neglect.
Wear and tear.
Infestations.
Where Erie home insurance is available
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.
- Find the best home insurance in your state
Erie home insurance rates
The average annual cost of Erie home insurance is $2,515, according to NerdWallet’s rate analysis. That’s more than the national average of $2,110.
Erie sells policies in a limited number of states. In nearly all the ones we analyzed, Erie's rates were higher 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.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Erie scores highly on this measure, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Erie ranked above average in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study. It was also near the top of the list for customer satisfaction in the 2024 U.S. Home Insurance Study.
How to file a claim with Erie
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.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Erie customer service
Phone: Call 800-458-0811 or contact your agent.
Email: You can email customer support from the company’s main contact page.
Live chat: Policyholders can chat with Erie representatives through their user portal.
Online tools
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, though Android users report quite a few bugs.
» MORE: Erie renters insurance review
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Answer a few questions to see custom quotes and find the right policy for you.Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Erie offer?
What other types of insurance does Erie offer?
Erie offers a range of policies, including renters, condo, umbrella, boat, business and auto insurance. Read our Erie auto insurance review to learn more.
Does Erie homeowners insurance cover mold?
Does Erie homeowners insurance cover mold?
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.
Is Erie home insurance available only in Pennsylvania?
Is Erie home insurance available only in Pennsylvania?
Although the company is based in Pennsylvania, it sells insurance in 11 other states plus Washington, D.C.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
