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 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
may enable 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 if 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 declarations page
for any loss from covered peril, exceeding $50,000.
- Additional Endorsements – In addition, some
of the other available endorsements include:
- 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. |
Related
Topics:
 Request
an Appointment
Home
Heating Tips
Fire
Tips
Smoke
Detector Safety
Mold,
Moisture and Your Home
Barbeque
Grill Safety
Home
Playground Safety
Household
Inventory Form
|
