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Erie Home Insurance Ratings

Ranked No. 4 Overall
Customer Satisfaction Ratings (based on 100 survey results)
home-icon Home
info iconOverall
87.57 out of 100
Productinfo icon
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon

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.

AM Best Financial Strength Ratings

October 31, 2019

home-icon Home 87.57 out of 100 Claims Processing 95.00 Customer Service 87.00 Value for
Website and Apps 83.78 % Who Would Recommend to a Friend 83% % Who Plan to Renew 98% A+
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AM Best Financial Strength RatingsOctober 31, 2019
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Reasons for Buying from Erie

Customers of Erie originally decided to purchase from the company for these reasons:
Recommended by friend or family member41%
Offered best price21%
I had other insurance with this company12%
Financial Strength rating5%
Was the company my parents had4%
Saw online ad3%
Saw TV commercial2%
The company website and mobile apps are easy to use and helpful0%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 57%
I probably would recommend this company. 26%
Neutral 13%
I probably would not recommend this company. 3%
I would not recommend this company. 1%

Would you renew?

Yes 98%
No 2%

Website and Apps

How easy to use and how helpful they are
Completely satisfied - Gives me what I want and more
Never visited or used website or mobile app
Satisfied - Fulfills my needs okay
Neutral - No good or bad feelings on this
Not Satisfied - Is not a good website or app
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

In person
Interactive website
Mobile App
User Review
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About Erie

Homeowners policies offered

  • Dwelling coverage
  • Condo insurance
  • Mobile Home Insurance
  • Rental Coverage for Landlords
  • Flood Insurance

Additional policies include

  • Auto insurance
  • Life insurance
  • Boat protector
  • Business insurance

Best Home Insurance Companies 2020: How Erie Home Insurance Measures Up

Erie came in near the top of the pack this year in our annual Best Home Insurance Companies survey. Erie took 4th place overall with a score of 87.57. Its best showing was in individual rankings was 1st place for claims servicing. In other rating factors Erie was midpack, a 4th place for customer service and 7th place for value for price and ease of use for the website and apps. Erie was the top company for policyholders who said they plan to renew with 98% planning to stick with the company. A majority, 83%, also have already or will in the future recommend Erie to their friends and family.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Erie's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Erie (NAIC# 26271) had a complaint ratio of 0.22 for 2018. 2019 complaint numbers will be available in 2020.

Company Background


Erie homeowner programs

  • Erie SecureHome -- This is a type of coverage that offers a lot of discounts, such as bundling and discounts for smoke and burglary alarms. It also offers "guaranteed replacement cost," so your home is covered in full if it's damaged or destroyed. So if your home cost $200,000 to build a decade ago but today it would cost $250,000 to rebuild, you get $250,000.
  • HomeProtector -- This comes with a lot of extra features that could come in handy if your home is hammered by a natural disaster. For instance, if you can't live in your home while it's being fixed, you'll get up to 12 months of living expenses paid.

A regional company, then and now

In 1925, when Erie Insurance Group was founded, it was a time when more and more people were buying cars – and having accidents. Erie Insurance founders H.O. Hirt and O.G. Crawford saw an opportunity, so Erie Insurance, from Erie, Pennsylvania, began selling auto insurance. The annual premium for car insurance back then? $34.

And Hirt would have an amazing run with his company, retiring in 1976.

Today, Erie oversees five million policies in 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.

Consider Erie Insurance if you really value customer service

Every insurer says that they're all about customer service, and it may be true. But you do get the sense that Erie Insurance, a regional insurer, still has that small-town vibe pulsating through the company. For instance, on their customer testimonial page, they have one customer marveling at how, after her car was rear ended, she had trouble with the other driver's insurance company. So she called her insurance agent on his cell phone and was able to get reassurance that everything would be fine. Later, she found out he had answered the call when he was on a vacation, celebrating his wedding anniversary.

Contact information

Erie Insurance Group Home Office
100 Erie Insurance Place
Erie, PA 16530-0001

Customer service (814) 870-2000

Types of special coverage

Water backup and sump pump overflow. Covers property for damage caused by water backups and sump pump overflows.

Flood insurance. Provides additional flood insurance through the National Flood Insurance Program.

Earthquake insurance. Additional earthquake insurance.

Service line protection. Coverage for underground service and utility lines.

Firearms. Additional coverage for firearms.

Identity recovery. Helps you recover identity after fraud.


Multi-policy. Discount for more than one type of policy with the same insurance provider.

Advanced quote. Discount if you get a quote at least a week before your previous policy expires.

Alarm systems and safety devices. Discount for having security and fire-suppression systems.