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Erie Homeowners Insurance Review 2024
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Erie
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Rates generally below the national average.
- Policies may include guaranteed replacement cost coverage.
- Receives far fewer complaints than expected for a company of its size.
Cons
- Not available in most states.
- No online quotes.
Erie
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Rates generally below the national average.
- Policies may include guaranteed replacement cost coverage.
- Receives far fewer complaints than expected for a company of its size.
Cons
- Not available in most states.
- No online quotes.
About Erie home insurance
5.0
NerdWallet ratingErie homeowners insurance earned 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.
Based on this star rating, Erie is on NerdWallet’s list of The Best Home Insurance Companies for 2024.
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 home insurance stands out
Coverage. Erie’s default homeowners policy is generally more comprehensive than other companies’ offerings.
Customer satisfaction. Erie drew far 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 home insurance falls short
No 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.
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. |
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 or damaged, with no “wear and tear” taken into account. This may not be 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.
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:
Water backup and sump overflow coverage.
Coverage for underground utility lines and pipes.
Extra coverage for valuable items or collections.
Equipment breakdown coverage for appliances or major home systems.
Homesharing coverage.
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.
Have a new home.
Take steps to protect your home from wind damage.
Consumer complaints
Erie had far 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.
Erie home insurance: 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:
» MORE: Erie renters insurance review
Erie offers 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.
Erie offers 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 2021-2023. 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.
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