Erie Home Insurance Review

Rating: 8.5 / 10 (Excellent)
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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.

How is Erie rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 8.5 / 10 (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 - 7.8 / 10

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.
Erie Insurance Company, Inc.
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Erie home insurance policies: Erie Insurance Company, Inc..

Customer Experience

Customer Experience - 9.8 / 10

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 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.39) is a ratio of the number of complaints a company received to the its 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
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Erie Coverage

Coverage - 10 / 10

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 & Discounts - 7 / 10

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
Company Phone
(800) 458-0811
Headquarters Address
100 Erie Insurance Pl, Erie, PA, 16530
Year Founded

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Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!