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Property Insurance

Your home is where you spend most of your time building memories with family, and it’s probably your largest financial investment. Experiencing any loss or damage to your home can be emotionally and financially stressful, we’ll help you recover from this loss.

Home has a different meaning for many people. You might prefer to own your own house, with a nice size yard. As an empty nester, owning a condo to call home makes sense as it allows you the freedom to simply lock your door and travel. For others, an apartment might be the right choice. Regardless of what you call home, we will always have a solution to protect you and your family, we can also include a seasonal residence or personal umbrella liability coverage if necessary.

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Learn More About What Areas We Cover

Homeowner Residence

If a house is what you call home, we can provide protection for the building itself and your personal property. If you could flip your house upside down and shake it, whatever fell out would be considered your personal property.

Tenants Personal Property

When renting a house or apartment you will need to insure your own personal property. This includes your clothing, furniture, and all personal items, even the appliances if you own them.

Rental Units (including loss of Rental Income Coverage)

Some homes may have a separate unit that you can rent out. Your homeowner’s insurance will cover this space, as well as the rental income lost if the unit became unliveable due to an insured claim.

Seasonal Residence

Getting away to the family cottage is a great way to beat the stress of daily living and spend time with family. It could be a cabin in the woods, or a mobile home permanently parked, we have you covered.

Condominium

While the corporation takes care of most of the building itself, as an owner you need to protect your personal property (similar to tenant insurance). You can also include coverage for any improvements you have made to make this unit your own.

Personal Umbrella

We all hope it never happens, but if you are ever sued liability coverage is part of every Erie Mutual home insurance plan. Personal umbrella coverage can add an extra layer of liability protection to your home, or even your auto insurance, for when you need it.

Finding the Right Insurance Solution for You

Recommended
Coverage

Includes

Your home is where you spend most of your time building memories with family, and it’s probably your largest financial investment. Experiencing any loss or damage to your home can be emotionally and financially stressful, we’ll help you recover from this loss.

Get a Quote

Basic
Coverage

Includes

Named Perils Coverage, Replacement Cost for personal property and buildings up to limits, sewer backup coverage, as well as full liability protection.

Get a Quote

Minimum
Coverage

Includes

Named or Limited Perils Coverage, Depreciated limits on building and personal property, but still maintaining full liability protection.

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Comparison

Flood Protection
Sewer Backup
Guaranteed Replacement Coverage (GRC)
Liability Protection
Fire & Wind Damage

Frequently Asked Questions

Edward Whittaker

Account Executive

Do I carry enough coverage on my home if there is a fire and I lose everything?

That is a very real concern for everyone, especially if you know a friend or family member that has suffered such a devastating loss. It’s our priority to ensure that every property insurance policy has the right coverage and proper limits in place. We go the extra mile when it comes to home insurance, offering regular loss prevention visits and routine evaluation checks to make sure you’re insured to value, that means that should you lose everything in a claim, we’ll put you back in the same position you previously enjoyed before the loss.

Am I covered for water coming in through my basement?

If you have a claim for water damage, it’s important to know the source of the water. Your coverage will depend on the what caused the damage and the insurance you’ve purchased. We offer a range of insurable options that include basic water escape from pipes or appliances, to sewer backup, to a full water protection endorsement that includes flooding. Not everyone qualifies for all coverage, but we’ll advise and make you aware of the options available depending on your property location and risk assessment of our loss prevention team.

Will a higher policy deductible lower my homeowner insurance premium?

The answer is yes, anytime that you assume more of the risk by covering a larger portion of a loss via your deductible will result in a lower premium. Some feel that the only time they would claim against their insurance policy is for a major loss or damage. If you agree, then carrying a higher deductible and saving some money on a lower premium makes sense. This applies to all lines of insurance, but savings may vary depending on the amount of increase in your deductible, our professional insurance advisors can discuss options and savings with you to find the best fit at your comfort level.

Why do you require that your Loss Prevention team visit my property regularly?

Erie Mutual takes loss prevention very seriously, as we would also hope all our members do as well. Our company believes that everyone who places their insurance coverage with Erie Mutual deserves the very best customer experience, that includes the added value of our loss prevention efforts. To us, it’s inconceivable how large stock insurance companies can offer proper insurance protection to homes they have never seen, or why someone would trust to insure with a company that has never visited or even taken pictures.

We arrange for our Loss Prevention team to visit every new property we insure, as well as schedule regular visits at the time most convenient for you every four years (two years for farm policies). The visit to your property allows us to assess any changes or updates made since our previous visit, or in the case of a first-time visit, it also gives us a visual to identify any risks or safety concerns which should be corrected to ensure the safety of you and your family. Loss prevention visits provide an opportunity to educate and inform Erie Mutual members, it’s part of the great relationship we’ve built over years with each of our members. Our members appreciate that their insurer is truly concerned with their family’s overall safety and well-being.

Member Testimonials

  • "Last year we went through a tornado in the area, a large maple tree came down along the side of our house. It took down hydro wires, Bell wires some siding and crushed the roof of our Buick - the result was the loss of most of our appliances, along with the obvious damage. It took several calls to get hydro help and endless calls to get Bell, but only one call and my Erie Mutual representative was right here. He was calm (which I wasn't) and very efficient. He sorted through all the details of our claim. He put us in touch with Tom and in no time at all we received a cheque to cover the appliances, right down to the kettle. The whole disaster was under control and fixed in no time. Erie Mutual representatives were pleasant and understanding, they moved us through this chaos and took all the pressure away. I applaud and congratulate Erie Mutual for their professionalism and kindness."

    Sue Cockcroft
    Erie Mutual Member (Selkirk)

  • "My family has always used Erie Mutual since I can remember, for both house and car. They have always been super helpful and quick to answer any questions! I continued to use them myself when I moved out this past year for my own home as well. Would highly recommend to anyone!"

    Bridget Murphy
    Erie Mutual Member (Dunnville)

  • "Erie Mutual Insurance is a wonderfully responsive insurance company committed to finding solutions for you. Dealing with Diane is a revelation, especially after my experiences with impersonal large stock insurance companies! Erie Mutual is always there for you!"

    Graeme Bachiu

  • "We have been Erie Mutual members for more than a decade and have always been very satisfied with the friendly, prompt service. The Loss Prevention Representative always has useful tips when he visits. The entire team is quick to respond to any questions and any claims have been dealt with professionally at all times."

    Lisa Main
    Erie Mutual Member (Dunnville)

  • "We absolutely love all your staff! Always friendly and willing to solve problems! A couple of years ago we had a lot of smoke damage and it was the same day someone came out to assess the damage! In a couple of days, we had a cleaning company come and get rid of all black on walls and ceiling and the smoke smell! Also this year I had damage to my vehicle and it was looked after quickly! Your team is the best!! Thank you for everything you do!!"

    Marion Nie
    Erie Mutual Member (Dunnville)

  • A severe windstorm blew shingles off my roof. Erie Mutual arranged for a roofing crew to correct the damage and within short order my roof was repaired to my full satisfaction."

    Wm Honchar
    Erie Mutual Member (Selkirk)

  • “Erie Mutual has been a fantastic insurance company for our auto and home needs. Gary was extremely supportive, knowledgeable and kind when establishing our policies, he left no stone unturned and was very thorough in completing the policies. Our home inspection was very educational regarding fire safety and the protection of our family. I was so pleased and comfortable with Erie Mutual that I recommended the company to my family and friends, and will continue to do so. In a small town word of mouth is the best form of advertising.”

    Gina McIntee
    Erie Mutual Member (Dunnville)

  • "In the recent loss of our house due to a fire the Erie Mutual staff were always willing to offer assistance with smiles and kindness. Special thanks to the Claims Manager who knows his job well and was always there for us."

    Calvin & Connie Crumb
    Erie Mutual Member (Dunnville)

  • “We are very happy with the Erie Mutual service over the last 30 years, and with all the great service we receive from our Account Executive."

    Robert & Dianna Miskolczi
    Erie Mutual Member (Dunnville)

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