J.D. Power Overall Satisfaction Rating	5 out of 5 stars
A.M. Best Rating	A+
Contact Number	1-800-458-0811
Discounts	Multi-Policy

See how Erie Insurance stacks up against our top rated renters insurance companies

Compare Renters Insurance

For renters, the biggest battles when seeking an apartment can be affordability, commuting times, and a neighborhood with desirable amenities. But once everything falls into place, the next step is deciding whether or not to purchase renters insurance.

This insurance covers more than just a renter’s personal possessions. Depending on the policy, it can include their personal property when traveling, an injured person in their dwelling, or living expenses if something happens to their home.

Many choices are available, and with typically affordable prices, it’s hard to say no to the coverage. Although there are many choices out there for renters insurance, this article will review Erie Renters Insurance and its different offerings.

Erie Renters Insurance Overview

Erie started its insurance business in 1925 by offering life insurance. Today, Erie’s insurance offerings cover something for everyone, including auto and leisure, home and property, business, life, and more. The company also sells retirement planning products including annuities and traditional or Roth individual retirement accounts.

According to the company’s website, it has 5 million insurance policies in circulation. Erie is one of the largest U.S. insurers, reaching consumers in 12 states and the District of Columbia.

Policy Cost & Coverage

To receive cost information, consumers will select their state and city from a drop-down menu on the website to select a local Erie insurance office. To begin the quote process, they can either call the office or email them.

For this review, a quote was completed via email.

The sample base coverage included a $500 deductible based on a $20,000 estimate for personal property and for loss up to 12 months. This base coverage carried a $160 annual premium. Under Home and Family Liability Protection, this included personal liability of $100,000 for each occurrence, and medical payments to others at $1,000/person.

The quote then added optional jewelry coverage valued at $15,000 with a $165 premium.

The total quote given for the sample coverage – for base and added jewelry coverage – was a $325 premium for the year. Payment options were not included, but the cost for the total plan would be approximately $27/month.

For cost savings, Erie offers bundling, enabling policyholders to combine their auto and renters insurance.

Requirements to Get Insured

Ideally, Erie wants renters to live in their covered area. This includes Illinois, Indiana, Kentucky, Maryland, North Carolina, New York, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington D.C.

Primary Drawbacks

There aren’t any noticeable drawbacks to the insurance, but the quote did not explain payment options and they could not be obtained online.

Customer Service

For renters seeking insurance coverage from a company with high ratings and a solid reputation, Erie may be one of their best choices.

J.D. Power ranked Erie No. 3 out of 21 for renters insurance companies for overall customer satisfaction with property claims. Furthermore, the company is regularly recognized as a top insurance company for numerous products. Erie has been rated well for many of its products that extend beyond renters insurance.

Erie’s customer service line is available Monday-Friday, 8 a.m. to 11 p.m. EST or on Saturday, 9 a.m. to 4:30 p.m. EST. Email inquiries are also accepted.

Bottom Line

For consumers seeking renters insurance from a company with a solid reputation and high consumer ratings, Erie is a good choice. It has been around for a long time and offers broad renters insurance coverage.

The company is lacking when it comes to online options as compared to its competitors. Erie prides itself on community involvement and working with customers, so this could be a reason for the hands-on experience.

Here are some key points to know:

Erie covers renters in 12 states.
Renters insurance is the company’s specialty and it’s a solid company.
Bundling renters insurance with auto insurance offers savings.
Customer service is important and the company is responsive.