Palmyra: (717) 838-1391
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Homeowners Insurance

Homeowners Insurance

Whether you live in a suburban Colonial or a two-story townhouse, we can help protect your home. Our agency offers a variety of home insurance policies to choose from, and these plans can be tailored to suit your individual needs and budget.

Homeowners insurance will not only cover a home structure, it will cover the contents as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your insurance policy.

The most important thing about homeowners insurance is to have adequate coverage. If you do not purchase enough insurance, your home may not be totally covered.

Of course if you’re a renter, you will want renter's insurance to cover the value of your possessions. (The landlord’s insurance only covers the structure— not your contents.) You'll also need renters insurance for liability coverage in case someone is injured in the apartment or house you rent.

Because everyone’s needs are not the same, it is important to assess your needs and find the insurance policy that is right for you.

How can I save money on Homeowners Insurance?

  • Multi-policy: By insuring your auto and home with the same insurance carrier, you will receive an additional savings on your homeowners insurance.
  • Premises alarm: Install smoke alarms or a burglary alarm system in your home to take advantage of additional discounts.
  • Age of insured: Policyholders age 46 and older are eligible for a discount on their homeowners insurance.
  • Increase Deductible: By increasing your deductibles you will receive additional savings on your homeowners insurance.
  • New Home Discount: If your home was built in the last 14 years you may qualify for a discount.
  • Advance Quote Discount: Are you a new homeowner’s customer with a week or more before your policy will take effect? Then you’re in luck. You’re eligible for a discount.

Personal Property & Liability Coverages

We know you work hard for your money and your belongings. Let us help you protect your valuable assets . We offer the following types of policies:

Umbrella Policy:

A personal umbrella policy provides an extra layer of liability protection. It provides an additional $1 million coverage for you and your eligible family members against lawsuits arising from personal injury or property damage claims.

Boat Protector:

You like to boat. You have friends who like to boat. And you’d probably agree, if we were sitting on your boat right about now, that boating is an adventure. So no matter whether you’re a power boater or sail boater, you want to make sure you’re covered for anything and everything.

Inland Marine:

A Personal Inland Marine Policy from Erie Insurance is designed to protect specific property with broader coverage than a HomeProtector policy. Coverage can be written on an all-risk, open-perils or named perils. Special policy floaters can cover a variety of items such as fine art, furs, jewelry, electronic equipment and more.

Identity Theft Coverage:

In the time it takes for you to brew your morning cup of coffee, a thief could steal your identity. That means months of frustration, hours on the phone talking to creditors and lawyers, and hundreds — if not thousands — of dollars to restore your good name.