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
Since 1988

Financial Size Category VIII

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.

Important optional endorsements that are available include:

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

We include Identity Theft Resolution Services at no additional cost.

Elite Homeowner

This program provides the most comprehensive homeowner coverage available through Erie and Niagara, subject to underwriting acceptability. Your dwelling, related private structures and personal property are covered against damage, EXCEPT from those perils specifically excluded.

Country Homeowner

Coverage is similar to what is offered in the Homeowner Program. This product is intended to accommodate homes that have a limited farm exposure.

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.

Manufactured Home

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

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.