Erie Insurance is one of the few that offers guaranteed replacement cost in its standard policy, whereas many other providers may only offer this as an option or not at all. Some of the other options include coverage in case of a water backup or sump pump overflow and coverage from your house to the curb for underground utility lines. Erie is also No. 1 in our rating of the Cheapest Homeowners Insurance Companies of 2022.
One of the big downsides to Erie Insurance is that it isn’t as widely available as many of the companies in our rating are. Erie homeowners insurance policies are available in fewer than half the states in the U.S.
Read more in our Erie Insurance review.
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