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Erie Home Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 9.2
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Financial Strength: A+
BBB Rating: A+
Coverages: 5/5
Flexibility: Policy Customization available
Discounts: 5/5
Support: Email, Phone
User Ratings: Trustpilot 3.8 stars
Pricing: Price varies by state
Availability: 12 states and Washington, D.C.

Want to learn more about the company? Read our Erie home insurance reviews to get a better idea of the company's characteristics.

About the Company

Erie Insurance Group is a Pennsylvania-based company. It was launched as an auto insurance company by two partners as Erie Insurance Exchange in 1924. Later, the business was expanded, and the company started selling home insurance as well. 

Today, the company sells insurance for boats, motorcycles, cars, and other recreational vehicles. The company also operates in the sphere of life insurance and home insurance

Erie Insurance is financially stable. It has the A+ rating from AM Best. Since the company is well-established, it has the ability to pay off its liability efficiently. 

Want to learn more about the company? Read our Erie home insurance reviews to get a better idea of the company’s characteristics. 

How We Reviewed 

For this review, we had a thorough look at the company’s official site to find out the insurance coverage offers and the company’s policy. We reviewed the Erie insurance rating given by consumers and independent rating platforms. 

Where Is It Available?

Erie Insurance is an old and well-established company that was founded in the 1920s. Since then, the company has been performing exceptionally well. It started as an auto insurance company and slowly expanded over time. 

However, when it comes to the number of states served, the company is limited to only a few states. For now, the company is only serving Washington, D.C., and the following  12 states:

Types of Insurance Coverage 

Independent Erie home insurance reviews suggest that the company has an impressive list of coverage options. In this section, we listed the insurance coverage you can avail from the company.  

Guaranteed Replacement Cost: This type of coverage comes under the basic insurance coverage package. Under this insurance, your house will be financially covered in full if it is destroyed or damaged. 

Coverage for Valuables: This insurance coverage is perfect for people who want to get jewelry insurance. The company provides coverage for high-valuable items such as firearms, jewelry, art, or silverware. 

Coverage for Hard-to-Replace Items: This coverage option is unique to the company. Unlike its competitors, Erie Insurance covers hard-to-replace items such as bills, passports, and other related things.

Water Backup Coverage: If your house is flooded because of a fault in the sump dump or leak in the drain, the company has coverage for that too. 

Personal Liability Coverage: Under this plan, the company financially protects you when a guest gets injured on your property or when you accidentally injure someone on their property.

 For example, if a guest falls down the stairs, the insurance plan will help you cover the medical bills or if you accidentally broke something on your neighbor’s property, the coverage will help you cover the loss. 

Flood Insurance: Many homeowners cover the damage caused by a pipe burst. However, this doesn’t include the damage caused by floods. For that, you will have to buy separate insurance. Erie flood insurance lets you cover your house against the large-scale damage caused by floods.

Rental Income Protection Insurance: If you have let out any of your property and your tenant caused any damage to it, this insurance will help you financially cover the loss. 

Computer Insurance: This plan provides coverage for expensive computers. 

Identity Theft Insurance: Being a victim of identity fraud is very unpleasant. The insurance coverage will help you restore your credit and recover the damages caused by fraud.  

Homeowner Insurance Pricing 

To get Erie insurance quotes, you need to call an Erie insurance agent. The price of the insurance depends on the structure of your house and the coverage you’re looking for.

In comparison to its competitors, Erie Insurance offers cheaper rates. Here are the details regarding the annual premium that you’re expected to pay against different coverage plans: 

Coverage Premium
$125,000 Dwelling coverage, frame structure, contents covered 50% with RCV, Built 1987 $418
$150,000 Dwelling coverage, brick veneer structure, contents covered 50% with RCV, built 1997  $455
$250,000 Dwelling coverage, Masonry structure, contents covered 70% with RCV, built 2007 $641


The following are Erie Insurance payment options

Erie Insurance Discounts 

Who doesn’t like discounts? It is a great way to save money on your policies. Erie Insurance offers a wide range of discounts. Here is the list of discounts offered by the company: 

Multi-policy discount: Erie Insurance also sells auto insurance. If you buy car insurance from the company while simultaneously buying home insurance, you will be entitled to a multi-policy discount. This will help you save money on both insurance plans.  

Safety Systems discount: Erie offers great discounts for responsible homeowners. If your home is equipped with a sprinkler system, fire alarms, and a burglar system, you will receive a safety system discount. 

Advanced Quote discount: New customers who are switching to Erie Insurance will receive a discount if they get the quote from the company before their existing policy runs out. 

Customer Satisfaction and Financial Strength Review

What customers are saying about the company plays an important role in determining the overall strength of the company. Regardless of how well-established a company is, if its customers are not satisfied, the company will not be able to claim its ground for a long time.

Erie home insurance is quite popular among policyholders. Still, there are a few things that may make a customer skeptic about going forward with the company. 

For example, the company has limited digital tools. In the digital age, when everything is going digital, the company doesn’t offer a mobile app or an online portal that helps file a claim easily. This difficulty in filing a claim becomes a factor for frustration for a lot of people. 

When it comes to insurance providers, people are keen to learn about the financial health of the company. This is because the financial position of the company suggests whether the company is able to pay off the claim liabilities. On that basis, Erie home insurance enjoys a great reputation. Erie Insurance has an A+ rating from AM Best.  

Platform Rating
AM Best  A+
Trustpilot 3.8 stars
ConsumerAffairs 3.8 stars


Customer Support 

Erie home insurance customer service is commendable. The customers’ rating for the company is also better than the average. The company receives fewer complaints as compared to its size. Customers can easily call Erie Insurance customer service number to talk to an agent.   

Ease of Buying and Claims Handling 

It is extremely easy to buy an insurance policy from the company. It has a network of around 12,000 agents across the country who will guide customers through the steps. 

These agents will explain the entire Erie insurance claims process so that you have a complete understanding of what to expect at the time of filing a claim. 

The drawback is that the company doesn’t have a mobile app so you will have to call the agent to get your query resolved. In fact, one of the recurring Erie insurance complaints is that the company doesn’t offer online filing of the claim and the subsequent claims tracking. 

Comparison With Competitors 

There are many home insurance companies you can choose from according to your priorities. Here is a brief comparison of Erie Insurance with other home insurance providers: 

Erie Insurance vs Amica Home Insurance

When it comes to claims handling, Amica has the best reputation in the market. The company enjoys a good customer rating, which means it provides what it has promised. 

On the other hand, the company is quite expensive and its policies are priced at the higher end.

But when it comes to its performance, the company scores high. For people who want to have a business with reliable brands, this company is the best. 

Erie Insurance vs Allstate Home Insurance

Allstate enjoys above-average ratings in most categories. The edge that the company may have over Erie Insurance is that it provides services in all states. It is possible that people who have houses in different states would prefer to go with the company that has services nationwide. 

When it comes to years in business, the two are very comparable. Both companies have been around for a long time and are considered as the giants of the industry. 

Erie Insurance vs Nationwide Home Insurance

When it comes to insurance coverage, Nationwide is well-known. The company offers good insurance plans, but it doesn’t have good ratings from its customers.   

Erie Insurance vs Hippo Home Insurance 

The one thing that Erie and Hippo have in common is that both companies are not available in every state. Hippo is a relatively new company that has been around for a total of 5 years. When it comes to experience, Erie Insurance is obviously miles ahead. 


  • Industry best financial ratings
  • Customers can customize their policies to a great extent
  • Provides coverage for items like passport and bill
  • No mobile app
  • Available in only 12 states and Washington, D.C.
  • No online application or claims filing

For a giant like Erie Insurance, there is hardly anything that goes against the company. Granted, the company hasn’t adapted to the new technological options, but it is still top-notch when it comes to providing the best insurance coverage. The company’s great insurance plans are evidence of the fact that the company is unparalleled when it comes to home insurance. 

All of this, however, is not sufficient to say that the company will be the right for you. If you are planning to opt for an Erie home insurance policy, you will have to carefully analyze its pros and cons.


Is Erie Insurance a reliable company?

Erie Insurance is an old company that was established in the 1920s. Since then, the company has been performing exceptionally well. When it comes to paying off claims, the company has a great reputation. It enjoys good ratings from customers. 

How do I submit a claim?

The company doesn’t have any mobile app or online portal where you can submit the claim. You will have to call an agent to get your claim request processed.

Is Erie Insurance a good choice for homeowners?

Erie home Insurance reviews prove that when it comes to coverage options, the company provides the best insurance plans. Its coverage is top-notch and a couple of steps ahead of its competitors.

 Many competitors don’t offer the plans that Erie home insurance does. So, if you are looking to buy a reliable insurance policy from a company that offers a range of insurance policies.

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