The Strength of Our Past
is the
Foundation of Our Future

Erie and Niagara Insurance
is a mutual insurance company.

We work for our policyholders,
 not shareholders

 

 

A.M. Best Rated
“A”
Excellent

Financial Size Category VIII

Personal Insurance

Our personal insurance products provide protection for homes, personal belongings, rental properties and more.  Our wide range of coverage options allow you to tailor your insurance program to meet your insurance needs while also achieving cost savings. 

Homeowner Insurance

Coverage is available for owner occupied homes to protect your dwelling, personal property and personal liability. Identity Theft Resolution Services is also included at no additional cost.

Manufactured Home

Coverage is available for owner occupied manufactured homes to protect your dwelling, personal property and personal liability.

Tenant Homeowner

Coverage is available for your personal property and liability if you rent a home or apartment.

Seasonal Homes

Coverage is available for your secondary residence to protect your dwelling, personal property and premises liability. If Erie and Niagara also writes your primary Homeowner or Manufactured Home policy, you will get the best seasonal rate we have to offer.

Bed and Breakfast Program

Coverage is available for your owner occupied and operated Bed and Breakfast for dwelling, personal property and personal liability. Our program can accommodate up to nine (9) guest rooms with breakfast service only.

Landlord Package Policy

Coverage is available for 1-4 family non-owner occupied and 3-4 family owner occupied properties for dwelling, personal property of owner and premises liability. Eligible risks must be of dwelling type construction in above average condition.

Residential Fire

Depending on occupancy, coverage is available for your dwelling, personal property and personal liability. Eligible risks may include properties that do not qualify for one of our other programs including dwellings or mobile homes that are owner or tenant occupied, seasonal property, vacant property and unoccupied or for sale properties.

Umbrella

Coverage is offered through our affiliate Cherry Valley Cooperative Insurance Company with limits available up to $2 Million for a Personal Umbrella and up to $5 Million for a Farm Personal Umbrella.