Home Insurance

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you sure you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

With zero pressure and a 100% truthful unbias opinion we will asses your home, property, liability, and all other exposures to protect you properly at any given moment. 

Whether this is your first home purchase or you're a tenured homeowner, our goal is for you to worry less and live more. 

What's Included:

Homeowners face many different hazards on a daily basis. Our policies are built to make sure you never question  "is this covered?"

You receive:

  • Dwelling Guaranteed Replacement Cost 
    • The full value of the damage to your home is paid. No depreciation is factored in.
    • Example: if half of your 10 year old roof is damage we pay to replace that half of the roof with brand new shingles.
  • Personal Property Replacement Cost 
    • The full value of the damage to your personal belongings will be paid. No depreciation is factored in.
    • Example: If your 20 year old Kenmore 4 burner stove burns in a kitchen fire we pay to replace it with a brand new one of like kind and quality.
  • Other Structures Replacement Cost
    • The full value of damage to your detached garage, fence, carport, shed, above group pool, etc is paid.
  • Liability
    • Be covered for slip and falls, dog bites, and other lawsuits

Additional Features*

Tired of being covered by a generic policy? Our agency is able to provide you with the best possible protection guaranteed with revolutionary endorsements.

Sewer & Drain Back Up

Sewer & Drain Back Up

Your sewer or drains backing up in your home can cause a mess. Make sure the clean up and damage are taken care of with $5,000 minimum protection.

Equipment Breakdown

Equipment Breakdown

Provides $50,000 of protection for essential home systems and personal
property against loss due to mechanical or electrical breakdown.

  • Home heating/air conditioning systems
  • Water heaters
  • Sump pumps
  • Smart home technology
  • Home security systems
  • Swimming pool equipment
  • Washers and dryers
  • Refrigerators and ranges
  • Computer equipment
  • Home theater systems
  • Stair lift/chair 
  • Deep well pumps
Siding & Roofing Restoration

Siding & Roofing Restoration

Replace undamaged siding and/or roofing of the dwelling and other structures up to $10,000 when the materials found on the covered loss area are no longer available.

Underground Service Line

Underground Service Line

The utilities to your home from your foundation to the main line are your responsibility. Protect your buried lines with $25,000 of coverage:

  • Communications, including cable transmission, data transmission, internet access and telecommunications;
  • Compressed air;
  • Drainage;
  • Electrical power;
  • Heating, including geothermal, natural gas, propane and steam;
  • Waste disposal; or
  • Water;
Identity Recover & Fraud Reimbursement

Identity Recover & Fraud Reimbursement

Restoring your identity is the most difficult part of identity theft. This protection helps victims of identity theft regain control of their identity and correct their credit history, be reimburse up to $30,000. Also included is fraud coverage and valuable case management services that will assist the you through the recovery process — saving time and money. 

Jewelry, Furs, Silverware, & Guns

Jewelry, Furs, Silverware, & Guns

Stolen? Misplaced? Lost? Your Jewelry, Furs, Silverware, and Guns are covered up to $10,000 total ($3,000 max per item). 

  • Example: If your engagement ring falls off your hand while swimming in the ocean it's covered!
Criminal Defense Cost Reimbursement

Criminal Defense Cost Reimbursement

We live in a crazy world today and it seems our population as a whole has become extremely litigious. We will reimburse for the defense of you or your property up to $25,000 if found not guilty.

  • Example: You wake up in the middle of the night as an intruded breaks into your residence. Defending your family and your home a firearm is drawn and discharged severely injuring or even killing the assailant. There after you are taken to court over your actions, if found not guilty you will be reimbursed for your legal fees up to the $25,000 max. 
And More!

And More!

Our policies offer over 20 additional built  in coverages to better protect you and your family. Coverage doesn't end there though; we can also endorse to protect farms, earthquakes, home businesses, sinkhole, collectibles, and more.  




The process of purchasing a new home can be exhausting, especially if you are in the middle of the process and find out the home has incurred damage from past claims.

What if you could know about this damage without having to get to that point, kind of like a "Carfax" for homes? We can do just that!

Find out about past fires, wind damage, broken water lines, thefts, and much more. All for FREE.

Save time, aggravation, and money by knowing exactly what you are buying.  

What We Insure:

  • Frame houses
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Rental properties
  • Renters Insurance

*Additional Features- Available by adding the Select Bundle to an Erie Insurance ErieSecure Home policy