For each home-owner, insuring their most beneficial asset is the largest precedence. As a number one residence insurance coverage supplier, Erie Insurance insurance policies are designed to cowl every kind of damages that may befall a property. Established in 1925 by H.O. Hirt and O.G. Crawford, the Pennsylvania-based firm was initially an automotive insurer that later branched out to life, residence and enterprise insurance coverage in addition to retirement, medicare and id theft protection. As against most main insurance coverage firms, Erie chooses to provide the attention-seeking commercials a miss and stays understated with a market share of 1.7 p.c and excellent service to prospects.

For this Erie residence insurance coverage evaluation, we in contrast the corporate’s protection, reductions, help, accessibility, buyer satisfaction and help utilizing the SimpleRating methodology to seek out out if it provides aggressive and complete insurance policies for owners throughout twelve states and Washington, D.C.

Best for affordability — Erie

With distinctive customer support and best-in-market costs, Erie really stays ‘above all in service’.


3 / 5.0

SimpleRating Erie Insurance 3

  • High customer support scores
  • Flexible protection choices
  • Robust web site
  • No nationwide availability
  • Limited on-line instruments

America’s top-rated residence insurance coverage

  • Policies beginning at simply $25/month
  • Sign up in seconds, claims paid in minutes
  • Zero problem, zero paperwork

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What we like about Erie

As one of many prime ten insurance coverage firms within the U.S., Erie has a lot to love about its insurance policies.  

High customer support scores 

For the final a number of years, Erie has retained its place because the insurance coverage firm with probably the most glorious customer support. Policyholders have extensively counseled the convenience of doing enterprise with the corporate, proper from requesting quotes to submitting claims.

Flexible protection choices

Erie provides all customary protection choices to owners with the selection of getting extras added to your package deal. It additionally has packages that may be personalized in accordance with particular person necessities.

Robust web site

The firm web site supplies customers with info on residence security, home searching, catastrophe preparedness and insurance coverage procuring. It can be simple to seek out out from the web site how Erie residence insurance coverage insurance policies evaluate to the competitors.

Who ought to get this coverage

Erie residence insurance coverage is sweet for everybody, however these on a good finances will profit probably the most from the top quality of service at an reasonably priced value.

[Read: Best Flood Insurance Companies for 2021]

Things to think about

As with each insurance coverage firm, there could also be sure explanation why it may not be best for you.

No nationwide availability

Erie Insurance solely operates in 13 states across the U.S., together with:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin
  • Washington, D.C.

People outdoors of those territories won’t be able to get pleasure from Erie’s pocket-friendly charges and numerous protection choices, and it’s one of many firm’s largest downsides.

Limited on-line instruments

Requesting quotes and submitting claims can’t be accomplished on-line. For each of those processes, you will need to get in contact with an area agent or contact Erie’s 24/7 helpline. 

Who shouldn’t get this coverage

Erie insurance coverage is out of attain for many who don’t dwell in its areas of operation. It may also be barely inconvenient for many who rely upon on-line instruments for fast and simple providers.

What we analyzed

To measure how Erie stacks up in opposition to its largest contenders, our staff analyzed the reductions, protection, buyer satisfaction, help and accessibility supplied by this insurer.


Erie residence insurance coverage has restricted reductions on insurance policies, however they might nonetheless save on premiums. The residence insurance coverage reductions supplied by Erie are:

  • Multi-policy low cost: For those that buy life, auto and residential insurance coverage insurance policies by way of the corporate
  • Safety options low cost: For houses outfitted with fireplace and burglar alarms and sprinkler programs
  • Advance quote low cost: For those that get a quote between per week and two months of their coverage renewal date.


Besides the usual construction, legal responsibility and private property coverages, Erie residence insurance coverage insurance policies even have the choice to incorporate add-ons for an additional value. The further coverages are a part of ErieSafe packages and the extra you pay, the better the alternatives.

  • Guaranteed alternative value: Pays for the price of rebuilding if your private home is broken
  • Identity restoration and fraud reimbursement: Recovers bills related to a case of id theft
  • Coverage for Valuables: Covers in opposition to theft or harm of valuables reminiscent of money, jewellery, artwork and silverware
  • Coverage for Hard-to-Replace Items: Protects vital paperwork reminiscent of payments, deeds, passports and the like
  • Animal protection: Insures pets reminiscent of fish and birds
  • Flood and earthquake insurance coverage: Coverage in opposition to flood harm is offered in partnership with American Bankers and the National Flood Insurance Program. Also accessible is protection in opposition to property harm in an earthquake.

[Read: Actual Cash Value vs. Replacement Cost: What’s the Difference?]

Customer Satisfaction

Erie insurance coverage has by no means faltered in buyer satisfaction scores over the many years. In J.D. Power’s 2019 U.S. residence insurance coverage buyer satisfaction survey, Erie will get second place with a rating of 838 out of 1000 factors. This equates to a five-star ranking. The Better Business Bureau provides Erie insurance coverage an A+, whereas the corporate’s criticism index is beneath common at 0.26, in accordance with the NAIC (# 26271).

The firm can be in superior monetary well being, primarily based on the ranking of A+ by AM Best, the biggest unbiased monetary company. This signifies that the insurer is able to assembly the wants of policyholders.


Customers can anticipate to achieve one in every of Erie’s 13,000 brokers at any given time over the cellphone. You can discover the closest brokers by utilizing the locator device on the web site. The firm doesn’t provide on-line buyer help however has a 24/7 helpline.


Everything from getting a quote to making use of for a coverage to submitting a declare is finished over the cellphone by working with an area agent. The solely accessible on-line service is invoice cost. There isn’t any cell app for residence insurance coverage or on-line instruments that get rid of the necessity to converse to a human. 

Erie vs. the competitors

The residence insurance coverage market is crowded. Even although Erie outshines most different firms when it comes to buyer satisfaction, it has stiff competitors in different areas. The following are three main insurers evaluated for reductions, protection choices, accessibility, buyer satisfaction and help and in comparison with Erie Insurance.

Amica Mutual

This lesser-known firm has been defending houses for over a century with hard-to-beat perks.

If there’s an insurer that surpasses Erie in each method, it’s Amica Mutual. Barring Alaska, Florida and Hawaii, it covers each different area within the US and has been voted greatest residence insurance coverage firm by J.D. Power for 18 years in a row. Besides residence insurance coverage, Amica Mutual additionally provides auto, life and enterprise insurance coverage, has a streamlined web site and cell app, a number of on-line instruments, and a large number of protection choices and reductions.

Read our full Amica Mutual evaluation.


Covering navy households since 1923 with the most affordable charges and complete insurance policies.

The third-largest firm for residence and auto insurance coverage, USAA ranks excessive in J.D. Power surveys for distinctive buyer satisfaction, a few of the least expensive premiums and most in depth protection choices. Policies can be found throughout all 50 states and Washington, D.C., and the cell app allows you to pay payments and think about your paperwork. The solely draw back for this stellar insurance coverage supplier? You should be a member of the navy – or have somebody within the speedy household who’s – to have the ability to qualify.

Read our full USAA evaluation.

State Farm

Love the catchy State Farm commercials? You’ll love the protection choices extra.

With an AM Best ranking of A++, the biggest insurance coverage firm within the US outranks all of the others when it comes to monetary well being. State Farm’s costs are increased than Erie’s and it additionally provides restricted reductions on owners insurance coverage, however the wide selection of protection choices and the convenience of digital instruments make the shopper expertise candy.

Read our full State Farm evaluation

Erie’s charges

The common value of householders insurance coverage is $1,211 however the associated fee varies considerably primarily based on location, dimension and age of property, sort of protection and vulnerability to pure disasters. Newly constructed homes usually have decrease premiums in comparison with outdated properties, and having a number of security options put in additionally results in a value reduce generally. The greatest strategy to decide the premium you might need to pay is by getting quotes from insurers and evaluating them primarily based on protection.

Erie insurance coverage doesn’t have a web based quotes device. Prospective prospects want to decide on their protection choices from the corporate web site after which focus on the remainder over the cellphone with an agent. However, in most surveys, Erie was discovered to have probably the most reasonably priced charges for complete residence insurance coverage insurance policies.

[Read: How to Find Cheap Homeowners Insurance in 2021]

Erie on-line and cell app

To report claims and get a value estimate, prospects want to talk to an area Erie agent or name the 24/7 helpline quantity. Its web site is laden with details about the providers supplied and the way Erie is totally different in comparison with related insurance coverage firms. Although the corporate does have a cell app, it’s solely for auto insurance coverage. 

Erie renters, auto and life insurance coverage

Erie Insurance Company covers all elements of life with their numerous vary of insurance policies. Some of its hottest insurances are:

Renters insurance coverage

Ranked the second-cheapest firm for renters insurance coverage, Erie’s coverage provides the usual protection choices reminiscent of legal responsibility and lack of use safety. In addition, your insured belongings are lined in opposition to loss, theft and harm once you’re away from residence.

Life insurance coverage

Erie has time period life insurance coverage for five, 10, 15, 20 and 30 years, in addition to entire and common insurance policies. Applying for a coverage is fast and simple and you may get $90,000 price of protection with no medical examination.

Auto insurance coverage

Although Erie auto insurance coverage coverage is pretty customary, it has some distinctive options not all the time accessible from different insurers. The Rate Lock program is one such choice supplied by the corporate, which permits prospects to lock the worth of premiums and protection choices till a brand new automobile is added  or faraway from the coverage or the place of residence modified. 

Bundling choices

Bundling a number of traces of insurance coverage from the identical firm often leads to a value reduce. By buying your private home and auto insurance coverage insurance policies by way of Erie, it can save you wherever between 16 and 25 p.c, relying in your location.  

[Read: Commercial Home Insurance, Explained]

Erie within the information

  • In October 2020, Newsweek named Erie the very best in customer support within the residence insurance coverage class. The outcomes had been primarily based on an unbiased survey of over 25,000 prospects who used these providers or gathered details about them within the final three years.
  • During the COVID-19 pandemic, Erie Insurance pledged to supply $200 million in dividends to its auto insurance coverage prospects, which represents about 5 p.c of their annual premium. “We are fortunate to have built up the financial strength we have over our 95 years that allows us to further support our customers during this challenging time,” mentioned Tim NeCastro, president and CEO of Erie Insurance.
  • In April 2020, Erie Insurance was named one in every of America’s greatest employers for 2019. “ERIE is an employer of choice and we take great pride in our employees who continue to deliver on our promise to be Above All in Service for agents and customers,” mentioned Dionne Wallace Oakley, government vp for Human Resources and Strategy.

Too lengthy, didn’t learn?

If you reside inside its service areas, Erie is the industry-best residence insurance coverage firm you could possibly do enterprise with. Consistent excellence, affordability and dedication to prospects will probably preserve Erie Insurance on the prime of the charts for years to return.

We welcome your suggestions on this text and would love to listen to about your expertise with the insurers we advocate. Contact us at with feedback or questions.

The SimpleRating is a proprietary scoring metric we use to objectively evaluate services at The Simple Dollar.

For each evaluation, our editorial staff:

  • Identifies 5 measurable elements to match throughout every model
  • Determines the ranking standards for every side rating
  • Averages the 5 side scores to provide a single SimpleRating

Here’s a breakdown of the 5 side scores and their ranking standards for our evaluations on residence insurance coverage.

Why do some manufacturers have totally different SimpleScores on totally different pages?

To make sure the SimpleRating is as useful and correct as potential, we developed distinctive standards for each class we evaluate at The Simple Dollar. Since most manufacturers provide a wide range of monetary options, their services will rating otherwise relying on what we’re scoring on a given web page.

However, it’s additionally potential for a similar product from the identical model to have a number of SimpleScores. For occasion, if we evaluate State Farm’s residence insurance coverage in accordance with our standards for the very best residence insurance coverage, it scores a 3.8 out of 5. But after we evaluate State Farm in accordance with the standards for the very best auto insurance coverage, it scores increased, for the reason that options the corporate provides can range by the kind of insurance coverage.


We seemed on the variety of reductions every firm provides – extra reductions imply the next rating.

Coverage Options

We awarded increased scores to the businesses that provide extra protection choices.


We awarded increased scores to firms with probably the most channels for buyer help.

Customer Satisfaction

We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how prospects rated their expertise with every firm. (If an organization wasn’t included in J.D. Power’s examine, we skipped this side and averaged the 4 remaining side scores.)


We seemed on the degree of accessibility of every firm – the extra assets they’ve the upper their rating

Cynthia Widmayer is a Midwest-based enterprise author serving to small enterprises, solopreneurs and creatives inform their model story with partaking internet content material. She can be an grownup romance novelist on the aspect.