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 the 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 is 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:
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$750 - Money, traveler checks, stored value cards, bank notes, bullion, numismatic property, gold other than goldware or gold-plated ware, silver other than silverware or silver-plated ware and platinum other than platinumware.
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$2,500 - Accounts, bills, deeds, evidences of debt, letters of credit, notes other than bank notes, passports, securities, tickets, stamps and philatelic property.
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$2,500 - Trailers and campers not otherwise insured, whether licensed or not.
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$2,500 - Watercraft, including their trailers, whether licensed or not, furnishings, equipment and outboard motors.
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$5,000 - Theft of guns and related equipment. (Broadcover, Extracover and Market Value Broadcover Policies) The maximum we will pay for any one item is $3,000.
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$5,000 - Theft, misplacing or losing of guns and related equipment. (Ultracover Policy) The maximum we will pay for any one item is $3,000.
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$5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones. (Broadcover, Extracover and Market Value Broadcover Policies) The maximum we will pay for any one item is $3,000.
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$5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones. (Ultracover Policy) The maximum we will pay for any one item is $3,000.
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$5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. (Broadcover, Extracover and Market Value Broadcover Policies) The maximum we will pay for any one item is $3,000.
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$5,000 - Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. (Ultracover Policy) The maximum we will pay for any one item is $3,000.
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The Trees, Shrubs, Plants and Lawns Coverage is extended up to 10% of the amount of insurance under Dwelling Coverage.
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Enhancement Endorsement
HP-CT
also provides up to $10,000 coverage for
loss caused by water or sewage which backs up through sewers or drains.
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The basic policy deductible applies to loss under the sewer or drain back-up coverage.
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The $10,000 coverage limit for sewer or drain back-up can be increased for additional premium. The total coverage amount will be stated on the Declarations. $4 for each additional $1,000 increased sewer or drain back-up coverage
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Loss for damage to covered property, or the building containing the covered property by a Peril Insured Against, will be settled on the basis of any ordinance or law that regulates construction, repair or demolition of the covered property.
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Also, The ERIE will waive the policy deductible for any loss from the covered peril, exceeding $50,000.
- Earthquake coverage
- Nurse's professional liability
- Personal computer coverage
- Replacement cost on personal property
- Siding and roofing restoration endorsement
- Identity theft recovery
- Scheduling of jewelry, guns, antiques and collectibles
If you would like a comprehensive review of our homeowners insurance program, please contact us.