Erie Homeowners Insurance
Find the right homeowners insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
With more than 101,000 residents, Erie is the fourth largest city in Pennsylvania. It has lot to offer those who live here, from the sandy beaches and recreational facilities of Presque Isle to an abundance of arts and cultural venues throughout the city. It is also home to a number of higher education institutions including Gannon University, Mercyhurst University, Lake Erie College of Osteopathic Medicine, and the Penn State Behrend Campus. If you are a homeowner in this lively Pennsylvania city, you will want to be sure to protect your investment with a suitable Erie home insurance policy.
Local agents in the Trusted Choice® network are available to help you find an appropriate policy at a great rate. These independent agents are able to work with a number of competing insurance providers and can make rate inquiries on your behalf. They can then help you compare a selection of Erie homeowners insurance policies have been customized to meet your specific coverage needs. Find an agent in or near the city of Erie to learn more.
- National yearly premium average: $1,034
- Pennsylvania yearly premium average: $804
- 36th most expensive premium in the U.S.
The good news for those looking for an affordable Erie homeowners insurance policy is that Pennsylvania residents pay lower-than-average rates for their coverage. Of course, it is still possible to pay more than you need to for your home insurance policy, so comparison-shopping is important. You can refer to the average costs listed above to get a general idea of what your rates might be, but your actual quotes will be based on a number of different factors including, but not limited to:
- The value of your home, the year it was built and the materials used in its construction
- The ZIP code where your house is located
- Whether you are insuring a primary residence, a vacation home, or a second home
- The amount of coverage you are purchasing
- The amount of your deductible
- Your claims history
- Whether you are bundling your home insurance with other policies such as auto or life insurance
Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
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Second Home and Vacation Home Insurance
If you own more than one home, you will need to be sure that all of your properties are properly covered by suitable home insurance policies. With second homes and vacation homes, you may have different insurance considerations than you do with your primary residence. While you may need less in the way of contents coverage, there are certain risks involved with leaving a property unattended for long periods of time. Alternatively, if you lease to tenants when you are not using your extra properties, you may need to purchase landlord insurance to have the right coverage. You can discuss your particular situation with your Trusted Choice agent, who can make appropriate policy recommendations.
Number of Thefts in Pennsylvania
- National number of burglaries: 37,814
- Pennsylvania number of burglaries: 52,034
The burglary rate in Pennsylvania is higher than the national average; and crime rates in Erie are even higher. In 2013, residents of this city reported a total of 1,017 burglaries, which equates to about 10.09 burglaries for every 1,000 households—much higher than the national rate of 6.11.
You can reduce your chances of a burglary by taking preventive steps such as keeping your doors and windows locked and stopping mail delivery when you are away. You can also install motion sensitive lighting and a burglar alarm system, which may earn you a discount on home insurance.
If you are the unfortunate victim of a property crime, your Erie homeowners insurance policy can compensate you for your losses. Talk to your Trusted Choice agent to find out whether you need special endorsements to cover any of your particularly valuable property.
Number of Catastrophes in Pennsylvania
- Number of catastrophes in Pennsylvania: 515
- Number of tornadoes in Pennsylvania: 12
- Amount of Property Damage in Pennsylvania (in millions): $18,890,000
- 1 in 15 insured homes has a claim each year.
Your Erie homeowners insurance policy can cover your personal property against loss or damage caused by extreme weather events, property crimes, and accidental damage such as may occur as the result of a kitchen fire. It is important that you ensure that you have enough contents coverage to reimburse you in the event of a total loss.
Because home insurance policies typically have limits on coverage for different categories of property, if you have any particularly valuable belongings, such as rare art, family heirlooms, or a lot of jewelry, you may need to purchase special endorsements in order to have them fully covered. Your Trusted Choice agent can advise you so that your property coverage is sufficient.
What Are the Risks in Erie, PA?
Erie gets a lot of heavy snowfalls, which can be damaging to roofs. Homeowners in this area also need to be wary of severe storms and occasional, though relatively rare, tornados. Your home insurance policy should provide coverage if your house is damaged by any of these weather-related events.
A bigger threat to residents of Erie is flood damage. Many still remember the great flood of 2009 that caused millions of dollars’ worth of property damage. The problem that many homeowners discover too late is that flood damages are not covered by home insurance policies. FEMA may help, but only in the form of low interest loans that must be repaid. Fortunately, you do have an affordable option. Your Trusted Choice agent can help you supplement your Erie home insurance with a flood insurance policy through the NFIP (National Flood Insurance Program) so that your property is fully protected against the hazards you face in this city.
Save on Home Insurance
Our independent agents shop around to find you the best coverage.
Compare Erie Home Insurance Quotes
When it comes to purchasing a home insurance policy for your house in Erie, you have several insurance providers available to choose from. Comparison-shopping enables you to find an appropriate policy at an affordable rate, but many homeowners find it too time-consuming to do on their own. That is why it is beneficial to work with an insurance agent in the Trusted Choice network.
These independent agents can recommend appropriate coverage limits, identify and eliminate coverage gaps, and then gather quotes for customized policies from a variety of top-rated insurance companies. This makes it easy for you find a competitively-priced policy that meets your coverage needs. Find a Trusted Choice agent with an office near you to learn more about Erie homeowners insurance.