Your home is your biggest investment. We make sure it's protected right — not just the minimum.
We build a policy around your home, your belongings, and your lifestyle — not a generic template.
Covers the structure of your home against fire, wind, hail, lightning, and other covered perils.
Replaces your furniture, electronics, clothing, and belongings if they're stolen or damaged.
Covers legal costs and damages if someone is injured on your property.
Pays for temporary housing and meals if your home becomes uninhabitable after a covered loss.
Protects against damage from sewer or drain backups — a common gap in standard policies.
Extra protection for jewelry, art, collectibles, and other high-value items.
Many homeowners discover too late that their policy didn't cover what they thought it did. We review your coverage line by line and explain exactly what you're getting — no jargon, no surprises.
We also help you find discounts for bundling home and auto, home security systems, and more.
A standard homeowners policy covers your home's structure against fire, windstorms, hail, and lightning; your personal belongings; liability if someone is injured on your property; and additional living expenses if you need to temporarily relocate after a covered loss. Floods and earthquakes require separate policies.
No — standard homeowners insurance does not cover flood damage. Flood insurance is a separate policy. We offer flood coverage through American Bankers and EZ Flood. Even if you're not in a designated high-risk flood zone, flooding can happen anywhere in Pennsylvania and the coverage is often more affordable than homeowners expect.
You need enough coverage to fully rebuild your home at current construction costs — not its market value. We help you calculate the right replacement cost so you're never underinsured if you suffer a total loss. Many homeowners discover they're underinsured only after a claim.
Yes, and we strongly recommend it. Bundling home and auto with Erie through our agency typically saves 10–20% on both policies. Contact us for a combined quote — it's one of the fastest ways to lower your total insurance cost.
A deductible is the amount you pay out of pocket before your insurance pays on a claim. Higher deductibles mean lower monthly premiums. We'll help you choose a deductible that balances your monthly cost with your ability to cover an unexpected loss.
Bundle & Save More
Bundling your home and auto together typically saves 10–20% on both policies. It's one of the fastest ways to lower your total insurance bill — ask us for a combined quote.
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