When most people hear the word “insurance” they think of their cars, but in many cases
their home is the most important and expensive piece of property they own. Our agency
offers a variety of comprehensive homeowners insurance policies to choose from and these
plans can be tailored to suit your individual needs and budget.
ERIE’s HomeProtector policies automatically include a full complement of standard features
that cover your dwelling, personal property and other structures. The policy also includes
liability protection, loss of use and medical payments to others coverage. You may take
advantage of higher deductibles, discounts and credits to reduce your insurance premiums,
and you can add endorsements to your policy to broaden the protection limits even further.
Deductible
Paying for smaller claims yourself may enable you to lower your homeowners insurance premiums by choosing a higher deductible. ERIE offers a choice of deductibles, including:
Discounts & Credits
Multi-policy – By insuring your auto and home with ERIE, you will receive a
discount on your auto premium as well as your homeowners insurance premium.
New Home – Receive a discount if you live in a new home.
Premises Alarm – This discount is applied to your premium if you have smoke
detectors installed in your home.
Sprinkler System Credit – If you install and maintain a sprinkler system, you will
receive a credit on your homeowners premium.
Endorsements
ERIE offers a variety of optional coverages to meet your individual needs and these can be
added to your homeowners policy by endorsement for a minimal additional premium:
Expanded Endorsement – You can increase the special amounts listed under the
Personal Property Coverage section of your policy.
Enhancement Endorsement – This endorsement increases the special amounts to
even higher limits and includes these additional benefits:
Payment for direct loss caused by water or sewage that backs up through
sewers or drains.
Payment up to an additional 10 percent of the amount on Dwelling Coverage
for loss to trees, shrubs, plants and lawns on the residence premises.
Waiver of deductible shown on the policy declarations page for any loss from
covered peril, exceeding $50,000.
