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Why a mutual is the right choice for you.

We find solutions for your changing insurance needs, keeping your family, farm, and business protected. We’re owned by our policyholders, so we understand and appreciate what you expect from a hometown insurer, that includes support and involvement in our community. Our personable approach to your insurance will exceed your expectations and allow you to experience the true value of mutual insurance.

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How We Take Care of You

It’s our job to understand your insurance needs, we take it seriously and we do it well. We ask you to share some information, as we listen we’ll identify and recommend the coverage which you require to have the proper protection for you and your family. We aim to exceed your expectations on every level in your customer experience. After all, we’re owned by our policyholders, so we literally work for you.

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Meet the Team

Our team of insurance professionals provides you with the insurance experience you expect. Our team exemplifies the core values of Erie Mutual. Our dedication to service is recognized through our Customer Charter, a set of promises we make to you, our valued members.

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Loss & Risks

We are committed to preventing and reducing risks for the safety of our members. If you have any concerns, ask one of our team members. We are always happy to assist you. Our knowledgeable and experienced Loss Prevention team visits every property we insure. They professionally assess, analyze and report their findings to ensure we offer the best protection in both coverage and safety for your family.

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Thought Leadership

We know insurance, our team consists of professionals with years of experience and knowledge. We’ve been providing insurance advice for over 145 years, there’s not a lot we don’t know. Erie Mutual is a reliable source of thoughts, views, and opinions affecting the insurance industry.

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Frequently Asked Questions

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Jennifer Belu

Account Executive

If you have a Homeowner Standard or Plus form with Erie Mutual then yes, you have replacement cost coverage on your contents. However, you are entitled to replacement cost coverage only when you actually replace the damaged item(s). Until you replace the item you are given an actual cash value amount, which is a depreciated amount of the replacement cost based on age and condition of the item at the time of loss. Shopping to replace will ensure replacement cost puts your contents back just the way they were before the loss. We understand items lost due to a claim are important, we make sure you have them replaced properly, and as quickly as possible.

We know flooding has become a major concern almost everywhere these days. However, only a qualified risk will include flood coverage under an Erie Mutual policy. Beginning August 1, 2016, only those risk locations which already qualified and purchased sewer backup coverage, and are now identified to be in low-risk flood areas were automatically provided the insured peril of flood under a Comprehensive Water Protection coverage. If your property qualifies for coverage our claims department will have your home clean and dry in no time!

Yes, but only to those drivers who both qualify and purchase the accident forgiveness coverage under your Erie Mutual auto policy noted as FMCF01, referred to as Protection Plus. This optional coverage allows an eligible principal operator to maintain their driving record after one at-fault accident as a result of ownership, use or operation of a vehicle. We encourage and promote safe driving, but we also know things happen regardless of years of driving experience. We highly recommend this coverage to all drivers who qualify.

Whoever said insurance was easy to understand? We realize it’s not. Rating classes vary under auto insurance policies due to different risk exposures of each class. Your rates are based on analytical data collected in regard to frequency and severity and premiums are calculated accordingly. Rate classes are most affected by factors including your age, marital status, and use of a vehicle and are amended as circumstances change over time. Our rates are very competitive, but the extra value is what keeps our members happy.

Have questions or want a quote?

Ask us anything, our team of insurance professionals has years of experience in the industry. We’ll reply quickly, providing an answer that makes it easy to understand.

Or you can get started with a quote right away

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How much coverage
is enough?

We will always provide you with the proper coverage and adequate limits to meet all your insurance needs.

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Finding the right insurance
for you.

Your insurance needs change over time. Erie Mutual is a progressive insurance company based in the Hamilton Niagara region with a professional team to assess and match your needs with the best insurance available.

Read the Latest News

If you are a tenant, which many of us are these days due to the rising real estate market, you still need to be smart about getting the proper insurance coverage in place. That includes becoming price-savvy to the costs involved with replacing your personal belongings.

April 18, 2018 3 Min Read

Not all every business shares the same exposures or risk when it comes to the necessary insurance protection required. Part of the struggle as your insurer or an insurance agent is to help a policyholder identify and recognize cyber exposures that may exist.

April 11, 2018 3 Min Read

We realize that most consumers do not truly understand the insurance product they are purchasing. Despite efforts to educate and inform policyholders the simple truth of the matter is that insurance can be difficult, and that is unfortunate.

April 4, 2018 4 Min Read

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