Homeowners Insurance
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 allows 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 mounts 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.
-
Personal Computer Coverage
-
Replacement Cost on Personal Property
If you are interested in obtaining more information
or a quote, contact us.
Flood or Earthquake
If you live in an area prone to these disasters, you will need
to purchase separate flood and earthquake policies. Flood insurance
is available through FEMA's
National Flood Insurance Program.
Both flood and earthquake insurance can be purchased through your
insurance agent.
If you are interested in obtaining more information
or a quote, contact us.
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