Ratings
Overall Rating
AM Best Financial Strength Ratings
May 01, 2021
May 01, 2021HOW WE WEIGH OUR SCORE
- Price35%
- Customer service25%
- Claims20%
- Website and app10%
- Renew/Recommend10%
WHAT IS THIS RATING?
A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.
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Customer Complaint Ratio
( Erie’s customer complaint ratio for Homeowners insurance is 0.24 )
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above
Best home insurance companies 2021: Erie
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How Erie compares
Erie earned a four-star InsureScore in our annual Best Home Insurance Companies review. Their highest scores, at four stars, were in price, customer service and website & apps.
Ninety-one percent of customers surveyed said they planned to renew their policies with Erie and 89% of customers said they would recommend Erie to a friend.
How likely to recommend?
- 53%I would definitely recommend this company
- 36%I would probably recommend this company
- 11%Neutral
- 0%I would not recommend this company
- 0%I would probably not recommend this company
Types of coverages offered by Erie home insurance
- Dwelling
- Personal property
- Medical payments to others
- Personal liability
- Additional living expenses
Discounts offered by Erie home insurance
- ERIE Rate Lock®
- Multi-policy discounts
- Fire alarms, burglary alarm and sprinkler system discounts
- Safety savings
- Payment perks
- Advanced quote discount
Additional coverages offered by Erie home insurance
- Renters
- Condo
- Mobile home
- Personal Valuables
- Flood
- Auto
- Motorcycle
- Boat
- Classic car
- Off-road and ATV
- Life
- Identity Theft
- Medicare supplement
- Personal catastrophe
- Business
In which states is Erie home insurance available?
| States in which Erie home insurance available |
|---|
| Illinois |
| Indiana |
| Kentucky |
| Maryland |
| New York |
| North Carolina |
| Ohio |
| Pennsylvania |
| Tennessee |
| Virginia |
| West Virginia |
| Wisconsin |
| Washington D.C. |
About Erie home Insurance
In 1925, The Pennsylvania Insurance Department issued a license to the Erie Insurance Exchange, and they started operations on April 20, 1925.
By 1928 Erie started to expand outside of Erie, Pa., opening an office in Pittsburgh and in 1940, they added a new line of coverage, fire insurance. In 1946, Erie reached $1 million in annual premiums and two years later, they reached their second million.
In 1953, Erie expanded outside of Pennsylvania, opening an office in Silver Spring, and from 1956 to 1960, Erie's premiums doubled to nearly $14.5 million.
As 1968 rolled around, Erie Family Life was writing insurance in Pennsylvania, Maryland, Virginia, West Virginia, Ohio and the District of Columbia. In 1975, Erie celebrated its 50th anniversary and had $108.4 million in net premiums and 808,000 policyholders.
By 1977, Erie became the largest Pennsylvania-based auto insurer in the state.
Jumping to 2009, Erie held more than 4 million policies in force and in 2015, Erie celebrated 90 years in business and 5 million policies in force.
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"It's a great overall fun experience and easy to maintain and control"
-Age 18, Kentucky
"Average, ok company. "
-Age 18, Pennsylvania
"Good company."
-Age 18, West Virginia
"I would tell them my experience with the company is very good and they would love going through them!"
-Age 20, New York
"Cheap price"
-Age 25, Virginia
"It really is worth it if you bundle with car and home insurance"
-Age 27, West Virginia
"Great experience and great to work with"
-Age 28, West Virginia
"I can bundle them with my auto insurance"
-Age 29, Maryland
"I never have had any issues. I really don't manage this one though its paid through my mortgage escrow"
-Age 30, Maryland
"To bundle it with auto is a good idea"
-Age 30, Ohio
"Customer service has been great."
-Age 35, Pennsylvania
"Great coverage and customer service"
-Age 36, New York
"I think it is a great company for home insurance."
-Age 36, Pennsylvania
"Is a resource I trust"
-Age 38, Illinois
"I didn't have any issues paying premiums, or claims issues. Just money sent monthly as a just in case rainy day."
-Age 38, Ohio
"They paid quickly but estimates were under what was helpful initially."
-Age 39, New York
"It was alright."
-Age 40, Maryland
"I haven't filed a claim so I'm not sure how they are doing."
-Age 45, Maryland
"I tell others that the policies are very thorough and that the customer service is excellent. We have filed several claims and they have processed fairly quickly with minimal snags."
-Age 45, North Carolina
"Lowest price around for homeowner's insurance."
-Age 46, Pennsylvania
"Very good experience with customer service and the prices cannot be beat by anyone"
-Age 46, Pennsylvania
"It's a good company and service"
-Age 47, Tennessee
"I've had them over 30 years. Every time I needed them they were there. Excellent customer service and low rates"
-Age 48, Pennsylvania
"They are exceptional."
-Age 48, Pennsylvania
"I have to love them."
-Age 50, New York
"I've never had an issue with this company. They stay in contact."
-Age 51, West Virginia
"Decent rate doesn't keep raising it on you"
-Age 53, Pennsylvania
"Really good options and good service."
-Age 54, Pennsylvania
"We were told by our agent that if we had another claim we would be cancelled. I feel that this is a bit extreme for being cancelled for using the service they offer."
-Age 55, North Carolina
"I approve of them and recommend."
-Age 55, Virginia
"Very, very good company."
-Age 56, Illinois
"They offer more for less cost."
-Age 56, Pennsylvania
"Their rates are above average in the industry and they have very good customer service."
-Age 56, Pennsylvania
"Great rates and service"
-Age 57, North Carolina
"I have had no issues with them."
-Age 57, Pennsylvania
"They will take care of your claims"
-Age 58, North Carolina
"Good company that has been easy to deal with."
-Age 59, North Carolina
"Excellent overall"
-Age 59, Pennsylvania
"They have great policies to fit your budget along with awesome customer services and are very reasonable priced"
-Age 60, Indiana
"Good customer service"
-Age 60, Maryland
"The same as with my auto policy, you need to go down there or call them and get a quote."
-Age 60, North Carolina
"Very good fast turn over on claims"
-Age 61, Illinois
"It's all about the price - which is good."
-Age 62, Pennsylvania
"Anytime I need to talk to an agent they're always there and prices are very competitive and I never have a problem with a making a claim whether it be home or auto."
-Age 62, West Virginia
"I'm a very satisfied customer"
-Age 66, Maryland
"It's a good rate and they've agreed to lock the price"
-Age 66, Ohio
"Very quick response when we had to file a claim and the ease of a quick resolution"
-Age 66, Pennsylvania
"Insurance company with great reputation which I had for years for my home coverage."
-Age 66, Virginia
"Again good price and coverage"
-Age 67, Illinois
"Good prices and good service"
-Age 67, Pennsylvania
"Know what you need before speaking to an agent and what prices are out there"
-Age 67, Pennsylvania
"Good coverage for a valued price with no charge monthly payment option."
-Age 68, Pennsylvania
"Good customer service good coverage & prices"
-Age 68, Pennsylvania
"Good products and good prices, And they bundle."
-Age 68, Pennsylvania
"Outstanding homeowner company"
-Age 69, Pennsylvania
"It has reasonable rates"
-Age 70, New York
"I have only had one claim in all of the years that I have had this insurance. I was very pleased with how the claim was handled and the speed with which it was handled."
-Age 70, North Carolina
"Never have had a problem"
-Age 70, Ohio
"My agent is pretty good in explaining what I need and why."
-Age 70, Pennsylvania
"I have never had a problem with them."
-Age 70, Tennessee
"Nice customer service."
-Age 70, West Virginia
"My company is very thoughtful and reasonable"
-Age 71, Maryland
"Never had any problems good customer service good rates"
-Age 71, Pennsylvania
"Saved me a lot of money by switching"
-Age 71, West Virginia
"If thinking of switching to Erie, just do it. You won't regret it."
-Age 72, Pennsylvania
"Great customer service, very good pricing"
-Age 73, Maryland
"A very good company"
-Age 73, Pennsylvania
"Easy to deal with and offer many payment options"
-Age 73, Pennsylvania
"Good payment options"
-Age 73, Pennsylvania
"I have the same policy now that I had with USAA and pay $1,400 less a year"
-Age 74, Pennsylvania
"Good service"
-Age 75, Maryland
"Good company, good coverage, great customer service"
-Age 75, North Carolina
"I only consider the price of my policy because I have not had a claim to use as a reference. Price alone makes me really like them."
-Age 75, Pennsylvania
"A little more customer service (one to one basis ) would be nice"
-Age 76, Maryland
"I have had no problems."
-Age 76, Pennsylvania
"Prompt response to process claims or answer question."
-Age 77, Ohio
"Give Erie a call and get a quote. You will be surprised."
-Age 77, Pennsylvania
"Very reliable company and good customer service"
-Age 78, Pennsylvania
"Being with a local agent is very satisfying"
-Age 79, North Carolina
"Great rates & good service"
-Age 80, Pennsylvania
"Just give them a try"
-Age 83, Ohio
"You can trust them"
-Age 85, Indiana
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