Erie Insurance Renters Insurance Review and Prices 2022

Erie Insurance is a 94-year-old company based in Erie, Pennsylvania. It’s well known for its auto and leisure insurance, but it also offers renters, homeowners, property, life, and business insurance. It was founded in 1925 by two men who worked for Pennsylvania Indemnity Exchange.



  • Competitive pricing

  • Offers replacement cost coverage


  • Only available in 12 states and Washington, D.C.

  • Need to contact a local agent to receive a quote

  • Few discounts available


Erie insurance offers some of the most competitively priced renters insurance policies – there’s a reason why it’s ranked No. 3 on our list of the Best Renters Insurance Companies of 2022.

Those who want to use the latest tech-savvy tools for a quote are out of luck. Erie still requires potential customers to contact any of its 13,000+ local independent agents to receive a quote and purchase a policy. With Erie’s mobile app you can access and share policy documents, view your claim status and pay your bill. However, if you’re interested in receiving personalized help and want to speak to a human you can contact your local agent.

Though there’s plenty to like about Erie’s renters insurance policies you won’t be able to become a policyholder if you don’t live in any of the 12 states (plus Washington, D.C.) where the insurer operates. Plus, there aren’t as many discounts available aside from bundling policies and for having an alarm system.

Erie’s renters insurance includes:

  • Personal property coverage
  • Loss-of-use coverage
  • Personal liability coverage
  • Guest medical coverage

Erie’s renters insurance will cover the damage, destruction, or loss of your personal belongings to any of the named perils in your contract. An example of a covered peril is fire. If your television is destroyed in an apartment fire your Erie’s renters insurance should cover it within the coverage limits of your policy.

Loss-of-use coverage provides funds for food and lodging should your home become uninhabitable. Personal liability coverage gives you some financial protection should someone else be accidentally injured while in your home and includes some coverage of their medical payments.

By using independent agents to sell policies and handle customer questions, Erie provides customers with its own insurance experts who can assist in the often-confusing process of purchasing insurance and filing claims.

Available in:

  • District Of Columbia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • West Virginia
  • Wisconsin


Customers can get bundled pricing discounts if they have auto or other insurance policies through Erie. Its website says that in some cases, an auto insurance discount will pay for some or all of a renters insurance policy.

Erie offers discounts to customers who bundle renters insurance with another type of insurance, such as auto. The company also offers discounts for customers who live in rental properties that have alarm systems or sprinklers installed. In addition, customers can lock in prices so they’re not subject to unexpected large increases in their premiums.


Additional coverages include:

  • Loss assessment coverage
  • Lock replacement
  • Building additions and alterations

What Riders Are Offered by Erie Renters Insurance?

Other available riders cover:

  • Sewer or drain backups
  • Earthquakes
  • Identity recovery
  • Home sharing
  • Criminal defense
  • Cost reimbursement
  • Incidental business expenses
  • Valuable possessions
  • Liability for watercraft up to 100 horsepower

In addition, a rider is available to waive your deductible for losses of more than $50,000.

Here are some steps to buy an Erie Insurance renters insurance policy:

  1. Find a local Erie Insurance agent. You can do so by going to the company “Find an Insurance Agent” page and entering your ZIP code.
  2. From there a list of local agents will populate. You can scroll down the list or look at the map on the right side to find one based on location. Each listing will also have the agent’s contact information and office hours.
  3. Contact your insurance agent of choice to schedule an appointment to purchase a renters insurance policy. They will go over policy options and recommend one best suited for your needs.

For more information read our guide How to Buy Renters Insurance.

Policyholders have two options when filing a claim: contacting their local Erie Insurance agent or going directly through the insurer. To file a claim with an agent, start by contacting the person you purchased the policy from and they’ll walk you through the claims process. If your agent isn’t available, you can reach the claims department 24/7 by calling Erie to start a new claim.

Information you’ll need to provide includes your policy number and the exact nature of your claim. Once the claim is filed, policyholders can check on the status by logging into your online account, mobile app, calling customer service, or your local agent.

For more information read our guide on How to File a Renters Insurance Claim.

Erie Insurance vs. Lemonade

Where Erie lacks in online tools, Lemonade makes up for it by offering a completely online process. Renters can receive a quote, purchase a policy (or make changes), and file claims online through Lemonade’s app. The company also uses AI to handle your claim – it’ll pay it within seconds if the algorithm approves your claim. If you prefer to speak to a person to purchase a policy or file a claim, then Erie is the better choice (it may take a bit longer though). Otherwise, both insurers offer similar types of coverage in their renters insurance policies and are only available in a handful of states.

Learn more in our Lemonade review.

Erie Insurance vs. USAA

USAA offers policies nationwide, but policies are limited to members – you’ll need to be a U.S. military member or a spouse or child of a USAA member. Both insurers offer similar coverage, though USAA offers flood and earthquake coverage (useful if these perils tend to occur where you live). Of the two, Erie is probably your best bet if you don’t meet USAA’s eligibility requirements and you prefer human assistance purchasing a policy. Whichever you choose, Erie Insurance and USAA offer the ability to customize coverage based on variables such as policy limits, deductibles, and additional coverage.

Learn more in our USAA review.

Does Erie’s renters insurance cover water damage?
Water damage is covered if the loss was the result of a sudden and accidental occurrence. The base policy doesn’t cover losses caused by water backup or flooding, but additional coverage can be purchased.

Does Erie’s renters insurance cover theft?
Erie’s renters insurance covers stolen items as well as items misplaced or lost.

Does Erie’s renters insurance cover flooding?
Flooding isn’t covered under the base renters policy.

Does Erie’s renters insurance cover broken windows?
Broken windows aren’t considered part of the renter’s personal property and are not covered.

Does Erie’s renters insurance cover fire?
Items lost or damaged due to fire are covered under the base policy.

Does Erie’s renters insurance cover earthquakes?
Earthquakes require additional coverage under a renters insurance policy.

Does Erie’s renters insurance cover bedbugs?
Bedbugs aren’t covered under a renters insurance policy.

Does Erie’s renters insurance cover moving costs?
If you’re using a professional moving company your belongings will likely be covered under its insurance policy. If you’re moving on your own your belongings will likely be covered by your renters insurance.

Does Erie’s renters insurance cover both roommates?
No. Each roommate needs to have their own policy to cover their personal belongings.

How do I cancel Erie’s renters insurance?
Customers wishing to cancel their policies need to contact their Erie agent or call Erie directly.

Does Erie have a mobile app, and what can you do with it?
Eries insurance has a mobile app that you can use to pay your bill or view your claim status, as well as view and share your policy documents.

Does Erie offer dividends?
Dividends aren’t offered.

What other unique services does Erie Insurance offer?
Other unique services include replacement cost loss settlement and comprehensive coverage for personal loss. Erie also offers personal catastrophe liability insurance that adds another $1 million for covered claims for bodily injury, emotional distress, libel, slander, or accidental damage to another person’s property.

Does Erie Insurance cover college dorm rooms?
Erie Insurance covers college dorm rooms. A renters insurance policy will cover personal property and additional living expenses if the dorm becomes temporarily uninhabitable.

Why You Can Trust Us: 15 Renters Insurance Companies Researched

At U.S. News & World Report, we rank the Best Hospitals, Best Colleges, and Best Cars to guide readers through some of life’s most complicated decisions. Our 360 Reviews team draws on this same unbiased approach to rate the products that you use every day. To build our ratings, we researched more than 15 Renters Insurance Companies and analyzed 12 reviews. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. All sample products provided for review are donated after review. In addition, we maintain a separate business team that has no influence over our methodology or recommendations.

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