Erie Home Insurance Review

Lowest premiums with rate-lock guarantee in their 12-state coverage area. Independent Erie Home Insurance review: 4.6/5 for home insurance.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Only 12 states can buy Erie, and if yours is one of them, get a quote: premiums start at $85 a month, a rate-lock guarantee rules out surprise increases, and customer satisfaction is excellent. Online tools are limited next to digital-first insurers, the one real trade-off.

Skip it if you live outside its 12 states, or want to manage everything online.

About Erie Home Insurance

Lowest premiums with rate-lock guarantee in their 12-state coverage area. Erie Home Insurance is offered by Erie Indemnity Company. Our editorial rating is 4.6 out of 5.

Best for: Best value in the Northeast and Midwest.

Editorial grade: A (composite score 90/100).

Highlights

Rate-lock guarantee (no surprise increases)
Among lowest premiums available
Excellent customer satisfaction scores

What we like

Among lowest premiums available
Rate-lock guarantee (no surprise increases)
Excellent customer satisfaction

Where it falls short

Only available in 12 states
Limited online tools compared to digital-first insurers

Fees, minimums, and rates

Monthly fee: From $85/month. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Erie Indemnity Company. It is built from Erie Indemnity Company's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.