Best Home Insurance Companies

Erie Home Insurance Reviews And Ratings

Updated on
Erie Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 89%
Who Plan to Renew 91%
AM Best Financial Strength Ratings A+

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.

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

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 customers would recommend this company?

53% I would definitely recommend this company
36% I would probably recommend this company
11% Neutral
0% I would probably not recommend this company
0% I would not recommend this company

Reasons for Buying

Customers of Erie originally decided to purchase from the company for these reasons:
  • 32% Recommended by friend or family member
  • 24% Offered best price
  • 18% Reputation
  • 12% I had other insurance with this company
  • 5% Was the company my parents had
  • 4% Saw online ad
  • 3% Financial strength rating
  • 2% Saw TV commercial
  • 0% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 38%
  • Fairly satisfied / Fulfills my needs OK 36%
  • Average website and apps 15%
  • Very unsatisfied / digital offering is severely lacking 6%
  • Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

  • In person 38%
  • Phone 37%
  • Email 14%
  • Interactive website 6%
  • Mobile App 5%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Erie’s customer complaint ratio for Homeowners insurance is 0.24

In which states is Erie available?

Customer Reviews

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:

Customer Reviews

117 Reviews. 4 Stars out of 5
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