Have you heard great things about Erie Insurance from family, friends, or even neighbors? Are you a homeowner looking for a homeowner’s policy that offers better coverage and a better rate? Erie Insurance has you covered! This blog will walk you through the step-by-step process of obtaining a homeowner’s quote from Erie Insurance.
Whether you are a first-time home buyer or have owned a home for a long time, you know that purchasing a home is the biggest investment one will endure within their lifetime. So, having the right coverage to protect your biggest asset at a competitive rate is the most optimal situation. There is no sense in paying more for a policy when you can find better coverage and a better rate someplace else.
Erie Insurance only writes policies through independent agents. This means that you cannot simply go to Erie’s website and get yourself a bindable quote, a quote that is accurate and will then provide you with a policy. Instead, Erie Insurance points you to their independent agents. Erie Insurance is very selective with the agents they appoint and what those agents can write policies for. So not every insurance agent in your area will be able to write a policy with Erie Insurance. Fortunately, Susquehanna Insurance is one of those selected independent agencies that proudly represents Erie Insurance that serves the Lancaster and Lititz areas.
Find an Agent
The first step in the process of obtaining a homeowner’s insurance quote from Erie Insurance is to find an insurance agent that works with Erie Insurance. To do this, you can simply Google “Erie agents near me” or go to Erie’s website and use their “agent finder” feature. From there, you can start generating a list of agents that you might be interested in pursuing and working with.
Some factors to consider when developing your list are the location of the agency and the online reviews of the independent agency. Working with an agent that has an office near your home makes it easier to set up in-person appointments, make payments, and discuss claims. Online reviews, such as Google reviews, are unedited reviews that come directly from the customer’s mouths. They are a great way to learn how their current customers feel about doing business with them. It is important to take both the number of reviews and the quality of reviews into consideration as well. Lastly, check out their website. There, you can learn more about the agents you will be working with, what the values are of the agency, the agent’s involvement in their local community, and the agent’s social media presence.
Pick an Agent & Reach Out
Now that you have picked an agent that best suits you, utilizing some of the tips mentioned in step one, you just need to simply reach out to the agency and introduce yourself. With today’s technology, you can reach out to these independent agencies and obtain an Erie Insurance quote over the phone, but an even better option is a face-to-face meeting. You can just express your interest in obtaining a homeowner’s quote from Erie Insurance and the insurance agent will take care of the rest. It’s that simple!
What Information to Bring
Once you’ve set up an appointment with your chosen Erie Insurance Agent, here is some of the information that you will need to provide to get a homeowner’s quote.
- If you are a longtime homeowner, bring your current policies. This allows the agent to see the coverage you currently have, including the liability limits, the deductible, the dwelling amount coverage, and all other items that go into making a homeowner’s policy. One of the biggest factors that determine the rate of a homeowner’s policy is the dwelling amount, which is how much the house is going to cost to rebuild.
- Know the type(s) and cost(s) of improvements or betterments there were made to the home. The insurance agent will want to know if you have made any improvements such as upgrading the kitchen, finishing the basement, or remodeling the bathroom to ensure that they are covered in the event of a fire, for example. Insurance companies only pull certain information for the quote, so it is important to notify your insurance agent of these improvements and the costs associated with them.
- Share your lifestyle, what you like to do, and what your home is like. The insurance agent will most likely ask you what your lifestyle is like, what you like to do, what is your home like, and if you have any pets. Sharing a little bit about yourself and your home will help the agent put together a quote that fits your unique situation since not all homeowner’s policies are created equal. One item to keep in the back of your mind is that hosting parties or having pets will generally raise your exposure level in the insurance world.
Evaluate the Erie Insurance Homeowner’s Quote
In this final step, you are simply reviewing the quote that your insurance agent has provided you with. You want to look for the coverage amount and see how it is broken down and what is covered. From here, you can either sign with Erie Insurance through an independent insurance agency or take it out onto the market and shop it against other companies to see how the coverage and price compare with other insurance companies.
Your home is a huge investment, and you want to ensure that your homeowner’s policy covers your biggest asset completely. To get an Erie Insurance homeowner’s policy quote, you need to find an agent, reach out to your chosen independent agency, and bring along some information about you and your home to receive your homeowner’s quote.
At Susquehanna Insurance, we do it right with Erie Insurance. Please reach out to us via phone or email or stop in at either our offices in Lancaster or Lititz to get your Erie Insurance homeowner’s quote today!