Homeowners
Insurance
When most people
hear the word
"insurance" they
think of their cars,
but in many cases
their home is the
most important and
expensive piece of
property they own.
Our agency offers a
variety of
comprehensive
homeowners insurance
policies to choose
from and these plans
can be tailored to
suit your individual
needs and budget.
ERIE's HomeProtector
policies
automatically
include a full
complement of
standard features
that cover your
dwelling, personal
property and other
structures. The
policy also includes
liability
protection, loss of
use and medical
payments to others
coverage. You may
take advantage of
the higher
deductibles,
discounts and
credits to reduce
your insurance
premiums, and you
can add endorsements
to your policy to
broaden the
protection limits
even further.
Deductible
Paying for smaller
claims yourself
allows you to lower
your homeowners
insurance premiums
by choosing a higher
deductible. ERIE
offers a choice of
deductibles,
including:
Discounts & Credits
-
Multi-policy
– By insuring
your auto and
home with ERIE,
you will receive
a discount on
your auto
premium as well
as your
homeowners
insurance
premium.
-
New home
– Receive a
discount if you
live in a new
home.
-
Premises
alarm –
This discount is
applied to your
premium is you
have smoke
detectors
installed in
your home.
-
Sprinkler system
credit
– If you install
and maintain a
sprinkler
system, you will
receive a credit
on your
homeowners
premium.
Endorsements
ERIE offers a
variety of optional
coverages to meet
your individual
needs and these can
be added to your
homeowners policy by
endorsement for a
minimal additional
premium:
-
Expanded
endorsement
– You can
increase the
special amounts
listed under the
personal
property
coverage section
of your policy.
-
Enhancement
endorsement
– This
endorsement
increases the
special amounts
to even higher
limits and
includes these
additional
benefits:
-
Payment for
direct loss
caused by
water or
sewage that
backs up
through
sewers or
drains.
-
Payment up
to an
additional
10 percent
of the
amount on
dwelling
coverage for
loss to
trees,
shrubs,
plants and
lawns on the
residence
premises.
-
Waiver of
deductible
shown on the
policy
declaration
page for any
loss from
covered
peril
exceeding
$50,000.
-
Earthquake
coverage
-
Nurse's
professional
liability
-
Personal
computer
coverage
-
Replacement
cost on
personal
property
If you would like a
comprehensive review
of our homeowners
insurance program,
please
contact us.
