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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
allows 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. |
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