ABOUT US •• STAFF •• CONTACT US •• REFERRAL PROGRAM •• FILE A CLAIM •• HOME
Auto Insurance
Home Owners Insurance
Health Insurance
Life Insurance
Boat Insurance
Business Insurance
Motorcycle / ATV Insurance
Farm Insurance
 

Home owners insurance is the most important insurance you'll ever buy, and you want to make sure it's the right package for you and your family. Our Lebanon firm will ensure you get the right one at the right price.

Xtra Features
The ERIE's HomeProtector Policies automatically include more than 50 Xtra Protection Features. It is this innovative spirit that helps The ERIE set the standards for now and for the 21st Century. Your ERIE Agent will be happy to show you an ERIE plicy and point out the many Xtra Features. Some of these include:

  • Coverage up to $2,500 for the loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  • Payment up to the Personal Property limit for loss to contents of a refrigerator or freezer on the residence premises from either power or mechanical failure.
  • Reimbursement for fire extinguisher recharge (after a fire loss).
  • Payment for replacement of automatic garage door transmitters which have been stolen. Also, coverage is provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  • Coverage up to $3,000 for theft of jewelry, watches, furs, precious and semi-precious stones. (Coverage for misplacing or losing of jewelry, watches, furs, precious and semi-precious stones is included in Ultracover and Condocover Policies.)
  • Payment for all reasonable fire department service charges to save or protect insured property.
  • Coverage up to $3,000 for theft of guns. (Coverage for misplacing or losing of guns is included in Ultracover and Condocover Policies.)
  • Coverage up to $3,000 for theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. (Coverage for misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware is included in Ultracover and Condocover Policies.)
    (Not applicable in Virginia.)
  • Under the liability and medical payments protection, coverage for watercraft powered by one or more outboard motors with up to and including 75 total horsepower.

Endorsement
While ERIE's policies provide some of the most comprehensive product features in the industry, we also offer many optional coverages to meet your particular needs.

Expanded Endorsement
For a minimal additional premium, The ERIE will increase the special amounts shown under the Personal Property Coverage of your policy to the following:

  • $500 - (Broadcover, Extracover, and Tenantcover Policies) for money, bank notes, bullion, gold other than goldware, silver other than silverware.
  • $750 - (Ultracover and Condocover Policies) for money, bank notes, bullion, gold other than goldware, silver other than silverware.
  • $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit, securities, tickets, stamps and philatelic property.
  • $2,500 - Trailers and campers (not otherwise insured) whether licensed or not.
  • $2,500 - Watercraft, including their trailers (whether licensed or not), furnishings, equipment and outboard motors.
  • $5,000 - Theft of guns (Broadcover, Extracover and Tenantcover Policies only).
  • $5,000 - Theft, misplacing or losing of guns (Ultracover and Condocover Policies only).
  • $5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover, Extracover, and Tenantcover Policies only).
  • $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover and Condocover Policies only).
  • $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Broadcover, Extracover, and Tenantcover Policies only).
    (Not appliciable in Virginia.)
  • $5,000 - Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Ultracover and Condocover Policies only).(Not appliciable in Virginia.)

Enhancement Endorsement
(Available on Ultracover, Extracover, and Broadcover Policies Only)

For a minimal additional premium, The ERIE will increase the special amounts shown under the Personal Property Coverage of your policy to the following:

  • $750 - Money, bank notes, bullion, gold other than goldware, silver other than silverware.
  • $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit, securities, tickets, stamps, and philatelic property.
  • $2,500 - Trailers and campers (not otherwise insured) whether licensed or not.
  • $2,500 - Watercraft, including their trailers (whether licensed or not), furnishings, equipment, and outboard motors.
  • $5,000 - Theft of guns (Broadcover and Extracover Policies only).
  • $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
  • $5,000 - Theft of jewelry, watches furs, precious and semi-precious stones (Broadcover and Extracover Policies only).
  • $5,000 - Theft of guns (Broadcover and Extracover Policies only).
  • $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
  • $5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover and Extracover Policy only).
  • $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover Policy only).
  • $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Broadcover and Extracover Policies only).
    (Not appliciable in Virginia.)
  • $5,000 - Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Ultracover Policy only).
    (Not appliciable in Virginia.)

In addition, this endorsement will provide these outstanding features:

  • Payment up to an additional 10 percent of the amount of insurance under Dwelling Coverage for loss to trees, shrubs, plants, and lawns at the residence premises. (See endorsement for coverage provisions.)
  • Payment for direct loss caused by water or sewage which backs up through sewers or drains.
    Ordinance or law coverage.
    Waive the deductible shown on the Declarations for any loss from a covered peril, exceeding $50,000.

Additional Endorsements
In addtition, some of the other available endorsements include:

  • Earthquake Coverage
  • Nurses' Professional Liability
  • Personal Computer Coverage (All-Risk Coverage)
  • Replacement Cost on Personal Property
  • Sinkhole Coverage
  • And more...

Discounts and Credits
The ERIE also offers various discounts and credits on its HomeProtector products including:

  • New Home Discount
  • Premises Alarm
  • Sprinkler System Credit
  • Multi-Policy Discount

The above information is not an insurance policy. The ERIE's policies contain the specific details of the coverages, conditions and exclusions. Always contact your ERIE Agent when you have specific questions.

Note: Not all lines of insurance coverage are available in each state.

 

© 2010 - Ensminger's Insurance Built and Maintainted by BrianSmithDesigns.com