How much coverage is enough?
We will always provide you with the proper coverage and adequate limits to meet all your insurance needs.
Insurance OptionsWhy 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 members, 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.
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 members, so we literally work for you.
Learn MoreMeet 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 Member Charter, a set of promises we make to you, our valued members.
Learn MoreLoss & 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.
Learn MoreThought Leadership
We know insurance, and our team consists of professionals with years of experience and knowledge. We've been providing insurance advice for over 150 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.
Learn MoreFrequently Asked Questions
Joel Lima
Agent
Do I have replacement coverage on my homeowner insurance contents?
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 the 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.
Is flooding covered under my insurance policy?
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 with the insured peril of flood under Comprehensive Water Protection coverage. If your property qualifies for coverage our claims department will have your home clean and dry in no time!
Do you forgive my first auto accident so that my rates do not increase?
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.
I know others who pay less for auto insurance, what factors determine my rate?
Whoever said insurance was easy to understand? We realize it’s not. Rating classes vary under auto insurance policies due to the 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.
