Not all homeowners insurance policies are created equally. And though pricing is important, as a lower rate can reduce your escrow needs and thus your mortgage, you don’t want to sacrifice important coverages. Well, thanks to Erie Insurance, you can have uncompromising protection at a lower rate–just compare!

Ultracover

Erie Insurance’s premier package offers the highest levels of security for you and your home. Coverages include:

• Your home and any attached structures. (Guaranteed Replacement Cost Settlement)
• Other structures at your premises that are separate from the dwelling. (Replacement Cost Settlement)
• Personal property wherever it may be. (Replacement Cost Settlement)
• Loss of use, which covers the additional living expenses you incur due to temporary relocation.
• Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
• Medical payments to others who are injured in an accident arising from your premises or personal activities.

Xtra Features

An Ultracover policy secures you and your family with over 50 Xtra protection features, including:

• Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
• Payment up to the personal property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
• Coverage up to $3,000 for theft, misplacing or losing of jewelry, watches and furs.
• Reimbursement for fire extinguisher recharge after a fire loss.
• Payment for replacement of automatic garage door transmitters which have been stolen. Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
• Coverage up to $3,000 for theft, misplacing or losing of guns and related equipment.

Optional Coverages

Your home is unique and so are your protection needs. Some optional coverages you may choose to add to your Ultracover Policy include:

• Sewer or drain back-up
• Incidental business occupancy
• Earthquake coverage
• Scheduled personal property
• Identity recovery coverage
• Enhancement endorsement
• Expanded endorsement
• Personal computer coverage endorsement
• Dwelling and other structures siding and/or roofing restoration coverage

Discounts

To offer you the most for your insurance dollar, Erie Insurance offers a variety of discounts on homeowner policies. Watch a video to learn more about ways to save with ERIE (video transcript).

• Multi-Policy Discount – insure your home and auto with Erie Insurance and receive additional savings on your homeowners insurance.
• Life Multi-Policy Discount – save on your homeowners insurance when you have a qualifying Erie Family Life policy (not available in N.Y.).
• Fire and/or Burglary Alarm System Discount – install smoke alarms or a burglary alarm system in your home and 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.
• New Home Discount – if your home was built in the last 14 years*, you’ll receive a discount on your homeowners insurance.
• Age of Insured Discount – Erie Insurance offers Policyholders age 46 and older a discount on their homeowners insurance. The discount increases as you age (not available in N.Y.).**