Since 1925, the Erie Insurance Group has committed itself to meeting the needs and exceeding the expectations of its policyholders. The ERIE has earned a reputation for pioneering and providing innovative coverages.

XTRA Features

The ERIE's HomeProtector Policies automatically include more than 50 Xtra Protection features.  It is this innovative spirit that helps The ERIE set the standards for now and for the 21st Century.  Your ERIE agent will be happy to show you an ERIE policy and point out the many Xtra Features.  Some of these include:

• 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 on the residence premises from either power or mechanical failure.

• Reimbursement for fire extinguisher recharge

• Payment for replacement of automatic garage door transmitters which have been stolen

• Coverage up to $3,000 for theft of jewelry, watches, furs, precious and semi-precious stones

• Payment for all reasonable fire department service charges to save or protect insured property

• Coverage up to $3,000 for theft of guns.

• Coverage up to $3,000 for theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware.

• Under the liability and medical payments protection, coverage for watercraft powered by one or more outboard motors with up to and including 75 total horsepower

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Endorsements

While ERIE's policies provide some of the most comprehensive product features in the industry, we also offer many optional coverages to meet your particular needs.

Enhancement Endorsement (Available on Broadcover, Extracover, and Ultracover Policies Only)

For a minimal additional premium, The ERIE will increase the special amounts shown under the Personal Property Coverage of your policy to the following:

• $750 - Money, bank notes, bullion, gold other than goldware, silver other than silverware.

• $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit, securities, tickets, stamps, and philatelic property. 

• $2,500 - Trailers and campers(not otherwise insured) whether licensed or not.

• $2,500 - Watercraft, including their trailers (whether licensed or not), furnishings, equipment and outboard motors.

• $5,000 - Theft of guns (Broadcover and Extracover Policies only)*

• $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).*

• $5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover and Extracover Policies only)*

• $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover Policy only)*

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In addition, this endorsement will provide these outstanding features:

• Payment up to an additional 10% of the amount of insurance under Dwelling Coverage for loss to trees, shrubs, plants, and lawns at the residence premises.

• Payment for direct loss caused by water or sewage which backs up through sewers or drains.

• Ordinance or law coverage

• Waive the deductible shown on the Declarations for any loss from a covered peril, exceeding $50,000

* $3,000 limit per item. 

Additional Endorsements

In addition, some of the other available endorsements include:

• Earthquake Coverage

• Nurses' Professional Liability

• Personal Computer Coverage

• Replacement Cost On Personal Property

• Sinkhole Coverage

• And More...

Discounts and Credits

ERIE also offers various discounts and credits on its HomeProtector products including:

• New Home Discount

• Premises Alarm

• Sprinkler System Credit

• Multi-Policy Discount

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