Homeowner Insurance

Your home is one of your largest investments and most valued assets.  Erie and Niagara provides property and personal liability coverage with the flexibility to add a variety of optional coverages which allow you to tailor the policy to meet your family’s needs.  Automatic Inflation Protection with a 4% annual increase is included for properties written on a Replacement Cost basis.

We include Identity Theft Resolution Services at no additional cost.

We have also developed the Homeowner’s Advantage Plus Coverage endorsement which bundles important coverage for a modest additional premium.  Several of the coverages included are as follows:

• Debris Removal – additional 5 % of building limit
• Mechanical, Electrical or Pressure System Breakdown - $2,500
• Ordinance and Law - $2,500
• Personal Liability coverage limit – additional $100,000
• Water Backup - $5,000

Important optional endorsements that are available include:

• Automatic Inflation Protection – 2% annually if written on an Actual Cash Value basis
• Earthquake
• Identity Fraud
• Replacement Value for Personal Property
• Scheduled Personal Property
• And Many More…