Erie Home Insurance Review: Ratings and Quotes (2025)
Get cheap, comprehensive coverage with Erie home insurance in 12 states.
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Written byAlani Asis
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Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Erie policyholders typically pay less for home insurance than the national average. Its base homeowners policy includes higher limits and more coverage than other insurers. Erie also scores high in claims satisfaction, financial strength, and customer satisfaction — but receives mixed customer reviews.
Here’s what you should know about Erie so you can decide if it’s the right home insurance company for you.
Erie home insurance at a glance
Erie InsuranceCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 674 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $251/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $380/mo |
Headquartered in Erie, Pennsylvania, Erie Insurance operates through a network of more than 14,000 independent agents. Erie offers various insurance products, and you could save money by bundling them together.
Pros
Cheaper than other insurers
Base policy includes guaranteed-replacement coverage
Ranked fourth nationwide for customer satisfaction by J.D. Power[1]
Cons
Available in only 12 states
Online quotes not available
Limited information about coverage and discounts available on its website
Erie home insurance coverage options
Erie home insurance helps you repair or rebuild your home after a covered event, like a fire or theft. Here’s an overview of the coverage types included in Erie’s base policy:
Dwelling: Dwelling insurance covers your home’s physical structure.
Other structures: Other structures coverage protects detached structures on your property, like garages, toolsheds, and gazebos.
Personal property: Personal property insurance covers your home’s contents, like furniture, appliances, and clothing.
Loss of use: Loss of use insurance covers additional living expenses, like hotels or meals, if your home is uninhabitable after a loss.
Personal liability: Liability insurance covers your legal fees, other people’s bodily injuries, and property damage that you, your family, or your pet causes.
Erie’s base home policy also comes with the following coverages — free of additional charge:
Guaranteed replacement cost: Guaranteed replacement cost covers the full cost of rebuilding your home after a covered loss, even if it exceeds your policy limits.
High-value personal property: High-value coverage offers increased limits for expensive belongings, like jewelry, watches, precious stones, and firearms.
Gift card and gift certificate: This reimburses you for gift cards or certificates from local businesses that have closed.
Loss of belongings: This covers your lost or misplaced belongings.
Cash and precious metals: This coverage offers up to $500 for cash or precious metals.
Hard-to-replace items: For items that would be hard to replace, like accounts, bills, deeds, and passports, this covers their replacement or recovery cost.
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Optional Erie home insurance coverage
Erie offers several optional coverages you can add to your policy for an extra cost. Here are a few:
Equipment breakdown
Equipment breakdown coverage protects major appliances and home systems after an unexpected breakdown.
Extended water
This coverage protects your home, other structures, and personal property from sewer or drain backup and flood damage.
Service line
Service line coverage protects damaged underground service and utility lines.
Flood
Flood insurance covers damages due to an overflow of water onto your property.
Identity theft recovery
This covers the cost to restore your credit after identity theft or fraud.
Availability of Erie home insurance
Erie services customers in the Midwest, Northeast, and Southeast regions.
You can buy an Erie home insurance policy in Washington, D.C., and in the following states:
Illinois
Indiana
Kentucky
Maryland
New York
North Carolina
Ohio
Pennsylvania
Tennessee
Virginia
West Virginia
Wisconsin
Erie home insurance cost
The average cost of an Erie home insurance policy — $1,656 per year for a $300,000 dwelling policy — is cheaper than the annual national average of $2,584. It’s also significantly more affordable than most of its competitors.
Your policy’s price depends on factors like location, coverage amount, and claims history. Comparing home insurance quotes can help you find the homeowners insurance you need at the best price.
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Erie average rates by dwelling coverage amount
Your Erie home insurance policy’s cost depends on the coverage you want. The more coverage you have, the more expensive your policy will be.
See the table below for the average annual cost of Erie home insurance based on various dwelling coverage amounts.
Dwelling Coverage Amount  | Average Annual Premium |
|---|---|
| $100,000 | $752 |
| $150,000 | $976 |
| $200,000 | $1,199 |
| $250,000 | $1,428 |
| $300,000 | $1,656 |
| $350,000 | $1,866 |
| $400,000 | $2,075 |
| $500,000 | $2,478 |
| $1,000,000 | $4,090 |
Erie average rates by state
The cost of your Erie policy also depends on your location. Homeowners in areas with increased risks — like natural disasters or crime — tend to have higher insurance rates.
Below is the average annual premium of Erie insurance in different states.
State | Average Annual Premium |
|---|---|
| Illinois | $2,157 |
| Indiana | $1,688 |
| Maryland | $1,117 |
| North Carolina | $2,212 |
| Ohio | $2,000 |
| Pennsylvania | $1,233 |
| Tennessee | $2,059 |
| Virginia | $1,507 |
| Wisconsin | $1,000 |
| West Virginia | $1,589 |
How customers feel about Erie home insurance
Erie’s service gets mixed reviews from customers. Some Reddit users cite decades of good customer and claims experiences with the company. Others complain about policy management, claims handling, and the repair process — particularly regarding roof damage.
Erie received 1.14 out of 5 stars from the Better Business Bureau (BBB) and 2.3 out of 5 stars from Trustpilot. But it ranks high for customer and claims satisfaction with J.D. Power and has fewer complaints than average with the National Association of Insurance Commissioners (NAIC).
Erie industry ratings
Erie Insurance has received excellent ratings from various third-party groups. AM Best ranks insurance companies on their financial strength and ability to meet long-term financial obligations, like paying claims. The NAIC measures the volume of complaints for a company’s size.
See the table below for Erie customer ratings from third-party agencies.
Rating | Score | What This Means |
|---|---|---|
| AM Best | A+ | Superior financial strength |
| J.D. Power | Customer satisfaction: 674/1,000 (segment average: 640) Claims satisfaction: 888/1,000 (study average: 869) | Better claims and customer service than competitors |
| NAIC Complaint Index | 0.52 | Fewer complaints than expected for its size |
Erie home insurance discounts
Home insurance discounts can help you save money on your policy without sacrificing coverage. Erie only advertises two discounts on its website:
Protective devices: You can get a discount by having safety and security features in your home, like smoke detectors, a burglar alarm, or an automatic sprinkler system.
Advanced quote: To lower your premiums, get a home insurance quote seven to 60 days before your current policy renews.
You may qualify for more discounts depending on where you live. To learn more about its discounts, speak to an Erie representative near you.
Erie insurance bundling options
Bundling insurance policies can also help you save money. You can get up to 20% off your Erie home insurance policy by combining it with auto, life, or umbrella insurance. You can save even more with a multi-policy discount by bundling more than two Erie policies.
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How to file a home insurance claim with Erie
You should file home insurance claims promptly to avoid delays. Following these steps can help you file your claim successfully:
1. Call 911
In the event of vandalism or theft, call the police immediately. Law enforcement will write a police report that can support your claim. Tell them about other witnesses and any additional information to note.
2. Take pictures and make temporary repairs
Document any damages to prove your losses. If needed, perform temporary repairs to prevent further damage. Avoid permanent fixes before your claims adjuster has seen the damage — it could cause issues with your claim.
3. Notify Erie
Start the claims process by contacting your local Erie insurance agent online or calling 1 (800) 367-3743. Be prepared to provide detailed information about the incident.
4. Submit necessary documentation
Your insurer will ask for documentation, like a home inventory, receipts for the damaged property, and any photos or videos. If you pay for any temporary repairs or additional living expenses, you’ll need receipts to get reimbursed.
5. Work with your claims adjuster
Your insurance company may send a claims adjuster to your home to inspect the damages and estimate repair costs. Prepare for the visit with a list of losses to show the adjuster.
6. Wait for your claim settlement
You’ll receive your payout after your insurer approves your claim and you agree to the settlement offer. The payment may arrive in two checks. The first check helps you start the repairs, and the second arrives once the work is done.
Erie vs. other insurance companies
With so many options, finding the best home insurance can be challenging. To help with your search, start by comparing Erie to a couple of its competitors — American Family and Auto-Owners.
Erie vs. American Family
American Family is the seventh-largest homeowners insurance company in the country.[2] It offers auto, home, business, life, pet, umbrella, and other insurance products. It operates in 19 states, while Erie operates in only 12.
AmFam has unique coverage options that Erie may not offer, like home renovation, hidden water damage, and senior living protection. It also advertises more discounts than Erie, including loyalty and generational discounts.
But AmFam is slightly more expensive than Erie. The average monthly cost of an AmFam home policy is $142 for $300,000 in dwelling coverage, while Erie costs $138.
Erie vs. Auto-Owners
Auto-Owners is the 13th-largest homeowners insurance company by market share. It offers home, auto, life, business, umbrella, and other types of insurance. It’s available in 25 states, while Erie services only 12.
Auto-Owners advertises more discount options than Erie, like good payment history and mortgage-free discounts. In contrast, Erie’s base policy is more comprehensive than Auto-Owners’. For example, Erie offers guaranteed replacement cost, which covers more of your home’s value than Auto-Owners.
In addition, Erie is significantly cheaper than Auto-Owners. The average monthly cost of an Auto-Owners policy for a $300,000 dwelling is $208, and Erie Insurance’s average is only $138.
Erie home insurance FAQs
To help you make the most informed decisions about your home insurance policy, we’ve answered some common questions about Erie Insurance. Check them out below.
Is Erie legitimate?
Yes, Erie is a legitimate home insurance company. Various third-party agencies, like AM Best and J.D. Power, rate it highly. It also ranks 12th among the largest homeowners insurance companies by market share in the U.S.
What is the average cost of Erie homeowners insurance?
The average annual cost of Erie homeowners insurance is $1,656 for a $300,000 dwelling policy. Your price will vary based on location, home features, claims history, and other factors.
Is Erie good at paying claims?
Yes, Erie is generally good at paying claims. The company received an A+ (Superior) rating from AM Best. But your experience may vary — customer reviews cite issues with the company’s claims and repair handling.
Is Erie the same as Progressive?
No, Erie isn’t the same as Progressive. Erie is a regional insurer operating in 12 states. It’s also a publicly traded company owned by its policyholders and the Erie Indemnity Company. Progressive is a nationwide company primarily owned by investors such as Vanguard, BlackRock, and JP Morgan.[3]
What is Erie Insurance’s financial strength rating?
AM Best rates Erie Insurance’s financial strength an A+ (Superior). This rating indicates the company’s ability to meet its ongoing financial obligations, like paying claims.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- J.D. Power. "2024 U.S. Home Insurance Study."
- National Association of Insurance Carriers. "2023 Property and Casualty Market Share."
- Fintel. "PGR - The Progressive Corporation Stock - Stock Price, Institutional Ownership, Shareholders (NYSE)."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.