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Erie Home Insurance Review

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Originally founded in 1925 as the Erie Insurance Exchange, the Erie Insurance Company, Inc. provides property and casualty insurance services to customers all over the United States. The Pennsylvania-based company places special emphasis on service, and boasts a yearly customer retention of 90%. Erie has an A+ rating with the BBB and strong financial ratings overall.
 
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How is Erie rated?

Breakdown

5.0/5
Coverage Options
3.5/5
Pricing and Discounts
4.9/5
Customer Service
3.9/5
Financial Strength
3.0/5
Add-On Coverages

Overall Rating: 4.1 / 5 (Excellent)

Erie particularly has a good reputation for customer service, and consistently ranks highly in independent studies. Coverage options are also especially robust, with additional allowances for ID theft and home businesses. Discounts, however, are relatively thin.

Financial Strength

Financial Strength - 3.9 / 5

Although not available in all states, Erie ranks 19th in the nation in terms of home insurance premiums written. The carrier has been issuing policies for almost 100 years and is rated excellent by A.M. Best. What's more, Erie boasts more than 12,000 independent agents that can give customers professional advice and guide them through the complex process of getting homeowners insurance.
Underwriter
Erie Insurance Company, Inc.
Marketshare
1.03%
Premiums Written
$6,278,126,060
AM Best Financial Rating
A+
*The above information reflects the financial strength of the underwriter of the Erie home insurance policies: Erie Insurance Company, Inc..

Customer Experience

Customer Service - 4.9 / 5

Erie has better than average customer satisfaction ratings, very few BBB complains, and a NAIC complaint ratio that is well below the national average. Customers single the company out for overall satisfaction, and interaction with staff.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.39
NAIC Total Complaints
24
*The NAIC complaint ratio (in this case 0.39) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
8
Date Collected
2017-11-02

Erie Coverage

Coverage Options - 5 / 5

Erie offers better than average coverage options when it comes to basic and additional features. Where the company particularly shines is with its numerous add on policy coverage options, many of which are not found with other carriers we evaluate. These include identity recovery, home business protection, underground service lines, earthquake, and flood.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage
Additional Coverage
Water Backup Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 3.5 / 5

Erie was judged more or less average when it came to premiums and deductibles. The company, however, does not advertise much in the way of home insurance policy discounts when compared to other carriers we evaluate. There is no information for home-level discounts and the only policy-level discount is for bundling home insurance with other insurance products.

Policy Discounts

  • Multi-Policy

Contact & Additional Information

Homepage URL
https://www.erieinsurance.com
Company Phone
(800) 458-0811
Headquarters Address
100 Erie Insurance Pl, Erie, PA, 16530
Year Founded
1925

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  • Covers common occurrences like fire or theft and accidents
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  • A wide range of excellent coverage options
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