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2024

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Best Homeowners Insurance Agencies in Erie, PA

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Erie Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

70Reviewed

47Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4620 Buffalo Rd, Erie, PA 16510

Expertise.com Rating

Review Sources

Google
4.9 (7)
Facebook
3.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Laskowski Insurance Agency is an independent insurance provider in Erie. Founded in 1975, the firm currently serves more than 3,000 policyholders in the city and the surrounding areas. One of its main products is homeowners' insurance, which comes in a wide range of customizable plans. Standard homeowners' insurance protects the dwelling itself, any personal property within it, and adjacent structures. The firm also offers endorsements for optional coverages for earthquakes, floods, sewage backup, and identity theft.

  • Multiple Carriers
  • Multiple Policy Types

3838 West 12th Street, Erie, PA 16505

Expertise.com Rating

Review Sources

Google
4.8 (43)
Facebook
4.5 (20)

Why choose this provider?

Cronk Insurance Inc. is an independent insurance agency offering a wide range of insurance products through its office in Erie. The company's standard homeowners' insurance policy covers the physical structure of the home and the personal belongings of the client. It covers additional living expenses, medical payments, and personal liability. Additionally, Cronk Insurance Inc. offers insurance coverage for valuable articles, including jewelry and fine arts. The company also has earthquake and flood insurance policies.

  • Renter's Insurance
  • Condos

3209 Greengarden Road, Erie, PA 16508

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Based in Erie, Domino Insurance Agency Inc. is an independent agency that provides a wide choice of personal and business insurance policies to clients throughout the surrounding areas. Its services for homeowners include finding policies that satisfy their needs from the many offered by its partners, such as The Hartford, Liberty Mutual, and Progressive. Additionally, its agents can discuss condo insurance and specific policies that provide coverage against major disasters, such as earthquakes.

  • Flood

4602 Peach Street, Erie, PA 16509

Expertise.com Rating

Review Sources

Google
4.8 (12)

Why choose this provider?

LoCastro Bonini Insurance Agency serves clients in Erie and its surrounding areas. Established in 1984, the agency provides various types of insurance, including homeowners' insurance, to help property owners protect their investments. As an independent insurance agency, it works with multiple insurance providers to help customers find the right policy for them. Insurance policies can include different levels of coverage, depending on the homeowner's needs. LoCastro Bonini Insurance Agency also offers other policies, including auto, contractor, boat, and flood insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

4627 Peach Street, Erie, PA 16509

Expertise.com Rating

Why choose this provider?

Lafaro Insurance Agency is based in Erie, from where its licensed agents have been serving clients throughout the state since 1969. It has partnered with many insurers so it can offer its clients a wide choice of policies, such as home insurance that can cover every eventuality. This includes homes that require full or partial repairs after fires, flooding, or natural disasters. The agency also offers auto insurance and an array of business policies.

  • Personal Property Insurance
  • Multiple Policy Types

207 Erie Street, Edinboro, PA 16412

Expertise.com Rating

Review Sources

Google
4.8 (25)
Facebook
5.0 (17)

Why choose this provider?

Hamilton Insurance Agency is an independent insurance agency that provides its services to the Erie area. It is owned by Georgiann Hamilton, who is a certified insurance counselor and has over 40 years of experience. Its home insurance policy will protect the homeowners' tangible assets and personal property in case they get destroyed by a fire or other disasters. It will also cover injuries that occur inside the property, in case a lawsuit is filed.

  • Renter's Insurance
  • Flood
  • Earthquake

1460 West 38th Street, Erie, PA 16508

Expertise.com Rating

Review Sources

Google
4.9 (63)
Facebook
4.9 (20)

Why choose this provider?

Bort Insurance Services secure homes and properties in and around Erie. This homeowners' insurance agency protects clients when their homes and properties are damaged by accidents or natural calamities. The agency has living expense provisions for the clients and their families when the home becomes uninhabitable. It also offers coverages for the contents of the property and protects clients if they become victims to theft outside of the property. The company is a member of the Independent Agency Owners Alliance.

  • Renter's Insurance
  • Flood
  • Earthquake

3205 Peach Street, Erie, PA 16508

Expertise.com Rating

Review Sources

Google
4.7 (26)
Facebook
5.0 (25)
Yelp
3.5 (3)

Why choose this provider?

Great Lakes Insurance Services Group, LLC, safeguards the assets of homeowners in Erie and the surrounding areas. It is a homeowners' insurance agency that protects clients' homes and all the contents within from damages caused by fires, snowstorms, thunderstorms, and strong winds. It can also protect properties from damages caused by burglaries. The agency also offers policies to safeguard clients by covering the minor medical bills of a guest who was injured on their property. Great Lakes Insurance Services Group, LLC, has been protecting clients since 1969.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

1760 West 8th Street, Erie, PA 16505

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (5)

Why choose this provider?

Founded in 1968, R. H. Rutkowski Insurance Inc. specializes in home insurance policies for clients in Erie. It is an independent insurance agency that offers comparative quotes across multiple insurance carriers. It helps clients assess their risks and analyze their current position in the marketplace. The company provides a digital policy service center that enables online management of the client's insurance account. The digital platform handles billing and payments, claims filing, annual insurance checklist, and policy change requests.

  • Multiple Policy Types

4267 West Ridge Road, Erie, PA 16415

Expertise.com Rating

Review Sources

Google
5.0 (46)
Facebook
5.0 (13)

Why choose this provider?

Sitter Insurance, LLC, offers property damage coverage to homeowners in Erie. An independent agency with more than four decades of experience, it creates home insurance plans that include common hazards such as, fires, instances of theft, faulty plumbing, additional living expenses, and select personal belongings. It also assists clients in evaluating options beyond basic coverage, including liability protection and medical expenses, flood coverage, off-premises theft, secondary homes, and umbrella insurance.

  • Earthquake
  • Condos
  • Renter's Insurance

3537 W 12th St, Erie, PA 16505

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Loesel-Schaaf Insurance Agency provides personal property coverage to homeowners in Erie. An independent agency founded in 1981, the company offers home insurance plans covering common hazards such as theft, fires, and water systems-related incidents like backed-up sewers or drains. It offers coverage options that secure select personal belongings such as furniture, clothing, and electronics; valuables such as jewelry, antiques, and collectibles; and liabilities and their related payments, including medical expenses for injured guests.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

3915 Caughey Road, Erie, PA 16506

Expertise.com Rating

Review Sources

Google
4.3 (6)
Yelp
4.0 (1)

Why choose this provider?

Bock Insurance Agency helps protect families in Erie and the neighboring communities. It is a homeowners' insurance agency securing clients and their properties if there are repairs or replacements needed on the structures. The agency covers damages caused by fire, wind, hail, or lightning, along with destruction caused by theft. It also has policies protecting clients from lawsuits when a guest is injured in their estate. Bock Insurance Agency started safeguarding its clients in 1963.

  • Fire
  • Multiple Policy Types

7388 West Ridge Road, Fairview, PA 16415

Expertise.com Rating

Review Sources

Google
4.9 (33)
Facebook
4.0 (4)

Why choose this provider?

Michelle Toth is a State Farm Insurance Agent with many years of experience tailoring an array of products that provide coverage and have premiums within its clients' budgets. Ms. Toth and her licensed team of agents routinely help homeowners looking for policies that will safely cover their costs should the worst happen, such as a fire or flooding from a burst pipe. The team can also discuss life, health, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types

2340 West Grandview Boulevard, Erie, PA 16506

Expertise.com Rating

Review Sources

Google
4.8 (26)
Yelp
1.0 (1)

Why choose this provider?

Northshore Insurance Agency, LLC., caters to the insurance needs of homeowners and business property owners in Erie and the surrounding areas. Its agents offer a wide range of homeowners' insurance policy options for clients to choose from. One of the options is the HomeProtector policy, which covers the full spectrum of standard features such as dwelling coverage, personal property coverage, other structures coverage, liability protection, and payment for loss of use. The company has been in the business for over 40 years.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Laskowski Insurance Agency
4620 Buffalo Rd, Erie, PA 16510
Cronk Insurance Inc.
3838 West 12th Street, Erie, PA 16505
Domino Insurance Agency Inc.
3209 Greengarden Road, Erie, PA 16508
LoCastro Bonini Insurance Agency
4602 Peach Street, Erie, PA 16509
Lafaro Insurance Agency
4627 Peach Street, Erie, PA 16509
Hamilton Insurance Agency
207 Erie Street, Edinboro, PA 16412
Bort Insurance Services
1460 West 38th Street, Erie, PA 16508
Great Lakes Insurance Services Group, LLC
3205 Peach Street, Erie, PA 16508
R. H. Rutkowski Insurance Inc.
1760 West 8th Street, Erie, PA 16505
Sitter Insurance, LLC
4267 West Ridge Road, Erie, PA 16415
Loesel-Schaaf Insurance Agency
3537 W 12th St, Erie, PA 16505
Bock Insurance Agency
3915 Caughey Road, Erie, PA 16506
Michelle Toth - State Farm Insurance Agent
7388 West Ridge Road, Fairview, PA 16415
Northshore Insurance Agency, LLC
2340 West Grandview Boulevard, Erie, PA 16506

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Why is it important for Erie residents to include flood coverage into their homeowners’ insurance policies?

    People living in Erie need to customize their homeowners’ insurance policies to include flood coverage because Lake Erie’s water level has risen and floods have become more common in the past few years. This insurance coverage assists homeowners with the repair of flood-damaged property, such as carpets, mold-damaged walls, and items swept away by floodwater.

  • What homeowners’ insurance issues must Erie residents discuss with insurance agents when purchasing an insurance policy?

    When purchasing a homeowners' insurance policy, Erie residents should inquire about the expenses associated with rebuilding their homes or replacing personal possessions in case of damage or destruction. Additionally, homeowners should inquire about the customer service reputation of the insurance providers and the potential discounts they offer. Furthermore, it is advisable to know about the procedures involved in filing and resolving a claim.

  • In Erie, how many homeowners' insurance claims may you file?

    There is no limit to the number of homeowners' insurance claims you can file in Erie. However, filing multiple claims in a short span of time can impact your premium rates. Additionally, insurers might opt against renewing your coverage if they observe a consistent trend of frequent claim filings.

  • Can you reduce your homeowners' insurance premium in Erie by increasing your deductible?

    Yes. Insurance companies in Erie offer lower premiums for homeowners’ insurance policies with higher deductibles. Since you agree to cover a larger portion of the initial expenses in case of a claim, the insurer takes on less risk and, in return, charges you a lower premium. Some homeowners’ insurance plans come with various deductible options, including $250, $500, $1,000, $2,500, and $5,000.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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