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Erie Home Insurance Ratings
Ranked
No. 4 Overall
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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 member | 41% |
| Offered best price | 21% |
| I had other insurance with this company | 12% |
| Reputation | 12% |
| Financial Strength rating | 5% |
| Was the company my parents had | 4% |
| Saw online ad | 3% |
| Saw TV commercial | 2% |
| The company website and mobile apps are easy to use and helpful | 0% |
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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.
Discounts
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.
Feedback of Surveyed Policyholders
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:
Positive Feedback
Neutral/Negative Feedback
"Accepted very well among the people but waiting to see if lives up to the hype"
"New plans are different from others, so shop for what you need"
"I have not interacted very much with this insurance company but have never had any problems"
"I've never had to make a claim on my homeowners so I'm not sure how they'd be."
"Terrible, disgusting service."
"They stink. They won't tell me anything about my policy except the price to pay each year which goes up and is high"
"Have not had to deal with anyone since setting up the escrow account"
"It's ok but expensive"
"Nothing I can think of that is good or bad to share with others"
"Good service but slow sometimes"
"They don't cover anything. Every time I have called them to see if I am covered by what ever comes up I get told NOPE, so what do I pay for is what I ask them"
"All insurance is high and this is no exception"
"Experience is not bad, just ok"
"rates and services differ so you may or may not get good rates"
"Very early for making a statement. I will have to see how well they do this year to give a recommendation or not"
"Wait time is very short but I do have to call to clarify thing which I don't like"
"It works for my needs, nothing special"
"They meet my needs"
"Make you understand each and every point of the policy before finalizing it"
"Nothing really, good basic coverage"
"Costs much less than State Farm"
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"It is better to go with a brand name like Erie that will listen to your needs"
-Age 18-36, New York"Overall service are speedy and dependable"
-Age 18-36, New York"It's a great company with great customer service"
-Age 18-36, New York"They always work to get us the best price possible."
-Age 18-36, New York"Act with responsibility while addressing to the customer's concern"
-Age 18-36, North Carolina"Their policies cover everything that I need and more"
-Age 18-36, North Carolina"Nice plans for coverage and different too"
-Age 18-36, North Carolina"They call at designated times and on finding you busy they will drop an e-mail for the same. Very much professional, really good service"
-Age 18-36, North Carolina"It takes pains about the home of the customer having good prices and better coverage."
-Age 18-36, Ohio"Really quick about answering your questions and best rates for bundle of cars, house and camper"
-Age 18-36, Ohio"Very good staff, feels very comfortable"
-Age 18-36, Ohio"I like them and the coverage I receive"
-Age 18-36, Pennsylvania"It has a fair price and if you have a car and you get both home and auto policies with Erie which can give you an extra discount."
-Age 18-36, Pennsylvania"They work with you to get the coverage you need at a price you can afford"
-Age 18-36, Pennsylvania"Great customer service"
-Age 18-36, Tennessee"They are amazing"
-Age 18-36, Tennessee"They provide the best service and instant claiming solution"
-Age 18-36, Virginia"We have not had to turn anything in before, but their rates have always been decent and they have good customer service"
-Age 18-36, Virginia"The company has good people and they work hard to give you what you need"
-Age 18-36, West Virginia"Agents are very proactive and gets involved in settling the issues if any in time"
-Age 37-52, Indiana"Customer friendly company"
-Age 37-52, Indiana"Good coverage for low income people"
-Age 37-52, Indiana"I have a good experience because Coverage for all types of homes, houses, apartments, condos or manufactured homes."
-Age 37-52, Indiana"I have good experience because this company protect your home, property and family with great coverage and policy features like guaranteed replacement cost."
-Age 37-52, Indiana"All my needs are covered, excellent company"
-Age 37-52, Kentucky"Claim settlement process is easy and less time consuming than others I've dealt with"
-Age 37-52, New York"Has been wonderful insurance company"
-Age 37-52, New York"Is a better company if you are looking for different type of insurance policies"
-Age 37-52, New York"It was easy to get coverage through them"
-Age 37-52, New York"Right company for you to get insured"
-Age 37-52, New York"Take plan from this insurer, it will surely secure you"
-Age 37-52, New York"Well informed customer care representatives"
-Age 37-52, New York"Great customer service"
-Age 37-52, North Carolina"I find very easy to work with them"
-Age 37-52, North Carolina"One of the best insurance professionals in our country"
-Age 37-52, North Carolina"Quite supportive staff, provided me enough information on different products and their plus and minus"
-Age 37-52, North Carolina"Resolve my complaints in record time"
-Age 37-52, North Carolina"They are always quick to respond with any problems I've had. They always provide the answers to my questions and come to my house when needed."
-Age 37-52, North Carolina"They are great all the way around to customer service and they take care of anything and get you the best deal"
-Age 37-52, Ohio"Company is very safe to trust and good prices"
-Age 37-52, Pennsylvania"I've had this insurance for years and it meets all my needs"
-Age 37-52, Pennsylvania"They have good rates"
-Age 37-52, Pennsylvania"They have been very helpful to me"
-Age 37-52, Pennsylvania"Big organization, interactive application, pretty good company"
-Age 37-52, Virginia"Have been with them for a long time because they have been good for my needs"
-Age 37-52, Virginia"When I called to add features they were vey informatiove"
-Age 37-52, Virginia"Good customer service"
-Age 37-52, West Virginia"I like their service and prices"
-Age 37-52, West Virginia"Friendly and good rate"
-Age 53+, Illinois"They are there when you neeed them"
-Age 53+, Indiana"Great Service!"
-Age 53+, Maryland"The people were very easy to talk to and gave us the best price."
-Age 53+, Maryland"A real person always answers the phone. Claims get handled and settled quickly and fairly"
-Age 53+, New York"That they have provided excellent coverage any time we've needed them."
-Age 53+, New York"The staff are outstanding"
-Age 53+, New York"Unique covers and exceptional services are given here, much of physical information about policy buyers' homes help decide what coverage to get"
-Age 53+, New York"Very good company and I got the policy for less than my last company"
-Age 53+, New York"24/7 world class service"
-Age 53+, North Carolina"Company is very unique and helpful"
-Age 53+, North Carolina"Company can provide you with good benefits"
-Age 53+, North Carolina"Exceptional claim service, risk management resource and full range of insurance solution etc."
-Age 53+, North Carolina"Gives you a very good analysis of existing policies and that helps you in choosing a right one for yourself"
-Age 53+, North Carolina"I love how representatives talks to you, take care of you"
-Age 53+, North Carolina"Go with them can lower your price just a bit, rest is fine"
-Age 53+, North Carolina"Quick response in time, that's great"
-Age 53+, North Carolina"They are taking care of me and my home so I'm happy "
-Age 53+, North Carolina"They follow a well designed path to customer satisfaction"
-Age 53+, North Carolina"They really understood my requirements and suggested good coverage for my needs"
-Age 53+, North Carolina"Unique covers and exceptional service, it protects buyers loved ones with different type of insurance."
-Age 53+, North Carolina"You can get in touch with them even at odd hours and holidays"
-Age 53+, North Carolina"Readily answer any inquiries."
-Age 53+, Ohio"Friendly and honest."
-Age 53+, Pennsylvania"Good price - easy to deal with, conveniently located"
-Age 53+, Pennsylvania"Great price and I was able to bundle auto and home."
-Age 53+, Pennsylvania"Great rate when bundled with auto insurance"
-Age 53+, Pennsylvania"Easy to contact, speak to a person, helpful, courteous, when you have a claim.....which we have not had in many years they are prompt with their help and service"
-Age 53+, Pennsylvania"I get excellent service, good coverage and I feel that overall and all things considered, I receive good value."
-Age 53+, Pennsylvania"They are quick and good but the flood insurance is only for a set amount and I cannot get any more. Nor can I purchase an umbrella policy."
-Age 53+, Pennsylvania"They gave us our homeowners and car insurance for a lot less than we were paying"
-Age 53+, Pennsylvania"They have always come through for me. I have had them for 40 years."
-Age 53+, Pennsylvania"The rates are really good"
-Age 53+, Tennessee"Company provides varieties of coverage for homes, apartment, condo or manufactured home."
-Age 53+, Virginia"That the local agent is great and will assist you any time and in any way possible to make sure you get what you need."
-Age 53+, Virginia"They have been very good to me"
-Age 53+, Virginia"Great service"
-Age 53+, West Virginia"Great product for price."
-Age 53+, West Virginia