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Top Insurance Questions

• Life Change....Has your insurance kept pace?

• Safe guard your home while you're away

• Tips for Winter Driving

• Grill Safety

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 Contact us for more information regarding:

• Personal Catastrophe Coverage (Umbrella policies)
• Renter's Insurance
• Condo Owners Coverage
• Boat Insurance
• Flood Insurance
• Earthquake Insurance
• Landlord policies

Auto Insurance

Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto premiums while obtaining the coverage you need.

Deductibles

Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

Discounts:

• Multi-policy: 

  By insuring your auto and home with Erie Insurance, you will receive a discount on your auto premium as well as your homeowners insurance premium.

• Multi-car: 

  If you insure two or more cars with Erie Insurance and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.

• Safe driver: 

  New policyholders who are claims and violation-free may be eligible for an additional discount.

• Pay plan: 

  By paying your premium in full by your effective date or within 60 days, you will receive a discount.

• PERC: 

  Long-term, claims-free drivers receive additional discounts.

 Homeowners Insurance

Whether you live in a suburban Colonial or a two-story townhouse, we can help protect your home. Our agency offers a variety of home insurance policies to choose from, and these plans can be tailored to suit your individual needs and budget.

Erie Insurance's HomeProtector policies (homeowners in North Carolina) come with a full complement of standard features that cover your home, personal property and other structures. These policies also include coverage for liability protection, loss of use and medical payments to others in the event someone is injured in your home.

You may also take advantage of higher deductibles, and you may qualify for discounts and credits to reduce your insurance premiums. Or, you can add endorsements to your policy to broaden the nature of the protection provided even further.

Deductible

The deductible is the portion of a covered loss for which you are responsible, as opposed to the portion your insurance company pays. By choosing a higher deductible and paying for smaller claims yourself, you are assuming a higher degree of risk and can lower your home insurance premiums. Erie Insurance offers a choice of deductibles.

Discounts and Credits**

• New home:

  If your home was built in the last 14 years*, you'll receive a discount on your homeowners insurance.

• Multi-policy:

  By insuring your auto and home with the same carrier, you will receive an additional savings on your homeowners insurance.

• Erie Life multi-policy:

  Save on your homeowners insurance when you have a qualifying Erie Family Life policy (not available in New York).

• Premises alarm:

  Install smoke alarms or a burglary alarm system in your home to take advantage of additional discounts.

• Sprinkler system credit:

  If your home is equipped with an automatic sprinkler system, you'll save on your homeowners insurance.

Endorsements

For even more protection, you can add optional coverages, such as:

• Sewer or drain back-up coverage
• Identity recovery coverage
• Earthquake coverage

*Age requirement of home varies by state.
** Not available with all Home Insurance Carriers, contact your agent for details.