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 homeowners 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

Take Stock of Your Belongings with a Print or Online Home Inventory

For most of us, home is more than a house. It’s a cherished source of memories and a treasure chest for our keepsakes. And on a practical level, it’s filled with things we use every day.

That’s why when a fire destroys a home, it cuts deeply into our lives. Having an up-to-date home inventory can help you get back on your feet after a disaster. There are a number of reasons why a home inventory is important:

• It can help you determine how much insurance you may need.
• It speeds up the claims process, reducing hassle in already trying times.
• Most importantly, it enables you to rebuild your life as completely as possible after a loss.

Erie Insurance offers a detailed guide on erieinsurance.com to help you know what to include in your inventory. Just print out the PDF, then go through your house, room by room. Mark down each item, including its current replacement cost. When you’re done, give us a call to help you review your contents and ensure that your insurance coverage is sufficient. Also, make sure to store your inventory in a fireproof box or outside your home altogether.

Other Tools

The Insurance Information Institute (I.I.I.) also makes it easy for homeowners to keep a record of belongings. The organization offers free home inventory software you—and family members—can easily download to a home computer

With the software, each birthday gift and new purchase can be quickly added to the ever-changing list. That list can be regularly backed up on a CD or in paper form and stored somewhere outside of the home for extra protection. To learn about the software and to download it, visit knowyourstuff.org.

* Not all companies are licensed or operate in all states. Not all products are offered in all states. Go to erieinsurance.com for company licensure and territory information.

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If you are interested in obtaining more information or a quote, contact brock insurance.

Brock Insurance is an insurance agent for the following insurance companies

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