Homeowners Insurance through the ERIE Insurance Group
Written: Dec 21 '02 (Updated Dec 21 '02)
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Pros: Options, Customer Service, Price, Reliability
Cons: N/A
The Bottom Line: I would recommend ERIE Insurance to anyone looking for a homeowner's policy because of my experience.
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| khahn86351's Full Review: Erie - Home |
I have been an ERIE Insurance customer for almost 3 years now. My husband had his auto insurance policy through ERIE many years ago and seemed pleased, so when we purchased our home, we called ERIE for a quote. I don’t seem to remember whom we compared them with (approximately 3 other companies) but ERIE offered the best coverage at the lowest price.
Since ERIE’s homeowner’s insurance products are available only through local independent agents representing ERIE, we got in touch with a local agent and received our quote immediately over the phone. Our agent, Ron Nanosky, came out to our home to get our policy in order. Not only was I impressed with the professionalism, but the convenience as well.
A little about ERIE . . .
Erie offers Personal Auto Insurance, Personal Property Insurance, Commercial Insurance, Reinsurance and Life Insurance. They have also been a top-rated company for 75 years, consistently earning an A (Superior) rating from the A.M. Best Company.
Currently, ERIE Insurance Group’s service territory includes: Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin & District of Columbia.
ERIE Insurance claims policyholders will be contacted PERSONALLY within 24 hours of any claims report, available 24 hours/day, 365 days/year. They also will provide CASH in an emergency loss situation.
Depending on how you set up your mortgage, you can have your homeowners insurance put into your mortgage. My husband and I pay our homeowner’s policy separate, and ERIE offers payment plans for people like us. We currently pay the policy in full each year, but there are options to pay monthly if policyholders need a smaller payment.
Policyholders also receive a complimentary issue of “IN SYNC” three times a year. I personally wish they would send issues monthly since it is filled with consumer & safety tips for families. I read it front to back whenever it arrives in our mailbox.
ERIE’s HomeProtector Programs
ERIE currently offers 5 types of HomeProtector policies. The first I will discuss is called the Ultracover Policy. This policy covers your home and any attached structures, with a guaranteed replacement cost settlement. It also covers other structures on your property that are separate from your home. Personal property coverage is also included, and loss of use, which covers the additional expenses you may incur due to temporary relocation. This policy also covers personal liability for bodily injury, property damage or personal injury claims, and medical payments to anyone injured in an accident on your property.
Some of the optional coverage’s available include sewer or drain back-up, incidental business occupancy, earthquake coverage, scheduled personal property, enhancement endorsement, expanded endorsement, personal computer coverage endorsement and dwelling and other structures such as siding and/or roofing restoration coverage.
The Extracover Policy and the Broadcover Policy seem to offer the same coverage as the Ultracover Policy, just at a lower amount of insurance. This basically means value of your home and personal property depends on which policy will be right for you.
Renters also should carry insurance, so ERIE offers the Tenantcover Policy. This policy covers personal property, loss of use, which covers the additional expenses you may incur due to temporary relocation, personal liability for bodily injury, property damage or personal injury claims, and medical payments to others as described above.
And for the Condo owners, there is the Condocover Policy providing coverage for personal property, additions or alterations to the condo, loss of use, loss assessments up to $5,000 if the condo association’s coverage is inadequate, personal liability for bodily injury, property damage, or personal injury claims, and medical payments for accidents on the property.
http://www.erie-insurance.com/default_ie.asp
In all honesty, I had never visited ERIE’s Website until I decided to write this review. I found a lot of helpful information that I was unaware of previous to my visit.
The Website provides ERIE Insurance Group’s background information, allows anyone to locate a local agent, describes their policies and coverage’s, and even offers advice and tips for safety.
One of the options I found interesting was Access Erie. Access Erie allows policyholders to submit a claim online instead of via phone. But for those without Internet access, you still have the option to call 1-800-FOR-ERIE to submit claims.
Overall, the Website was simple and easy to navigate, with the pages load fairly quickly on my Pentium 4, 1.8GHs computer.
A little about my policy
I am not an insurance agent, but I do know what I need covered in my home because of past experiences. We carry additional coverage on our computer, jewelry and collectibles. We also chose the sewer/drain back-up coverage because of our neighborhood sewage lines history. ERIE also provides a discount since we have an alarm system on our home.
Since we pay our policy yearly, we receive a declarations summary of our policy. This provides our agent’s contact information, our coverage’s and protections, as well as our deductible amounts we chose. When our policy is up for renewal, ERIE automatically send a renewal declaration summary with your bill. If we want to add or remove any options, we are able to do so with a simple phone call to our agent. ERIE then sends out an amended copy with the corrections.
I have called my agent on several occasions to make changes to our policy. We have never had a problem and the changes were made faster than we expected. Thankfully, I have never had to file any claims with ERIE, but I am confident that if I did, I would be completely satisfied with their response.
Ready to switch to ERIE?
Erie Insurance Group Home Office
100 Erie Insurance Place
Erie, PA 16530
Phone: 1-800-458-0811
Or if you live around Northeast Ohio, give my agent a call:
Ron Nanosky @ America’s Insurance Agency – 330-757-9045 ;)
© khahn86351 2002
Recommended:
Yes
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khahn86351
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Member: Kati
Location: Ohio, USA
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