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The HomeProtector policy covers both damage to your property and your liability or legal responsibility for injuries and property damage you or members of your family cause to others. It also covers loss of use and additional living expenses in the event that you’re unable to live in your home temporarily because of a fire or other insured disaster.

ERIE’s HomeProtector program* includes:

Broadcover – Covers named perils (such as a fire, theft, hail, wind or lightning damages) on personal property and buildings (such as a home, garage or fence)
Extracover – Covers named perils on personal property and provides comprehensive coverage on buildings
Ultracover – Provides comprehensive coverage on personal property and buildings


Coverage is also available for apartments, condos and mobile homes.

Coverage Options


Homes, like people, come in all different shapes and sizes. A two-story suburban Colonial. A trendy flat in an urban neighborhood. A spacious doublewide. Whatever your home-sweet-home, the point is, it’s yours.

Erie Insurance's HomeProtector policies (Homeowners Policies in North Carolina) come with a full complement of standard features that cover your home and personal property.

To offer you the most for your insurance dollar, Erie Insurance offers numerous discounts on your home insurance policy. You can also add optional coverages or endorsements to your policy to broaden the nature of the protection even further.

For instance, you could add sewer or drain back-up coverage, earthquake coverage, incidental business coverage or Identity Recovery Coverage. With Identity Recovery Coverage, for example, ERIE will pay for the expenses associated with restoring your identity and support you through the recovery process. It can be added to any homeowners or mobile home insurance policy.

Discounts and Optional Coverages

By working with Erie Insurance, our agency can offer you a variety of options to protect your home, your family and your belongings. We can tailor the policy to suit your individual needs and budget. Contact us today to get a quote and learn more about the coverages. With all these options to choose from, there's sure to be a policy that's right for you.

*See individual policies for specific details.

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