Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Erie County, PA agent.

Erie County, PA Homeowners Insurance Quotes

If you own a home in Erie County, PA you are currently paying around $80.58 per month for a standard homeowners policy. A standard HO-3 policy normally coverages your home against windstorms, lightning and fire damage. In Pennsylvania, your premium could be in the average rate range of $967 per year. We like to help customers compare multiple home insurance rates all in one place. Our shopping process is a hassle free and we are here to help you review prices as well as coverage options that best fit your financial needs. You may want the lowest price but it is important to email or speak with us when it comes to cost versus coverage. Our consulting process if free and we can first review up to 12 major carriers with competitive rates in your area. Next, we can compare rate and coverage options. And last we can help you review enhanced coverage options like wind/hail or flood and include any homeowners insurance discounts that may apply to help you save more money on your home insurance needs.

For all Erie County, PA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Erie County? Simply enter your zip code to get your Pennsylvania homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Erie County, PA Housing Demographics

With 280,566 residents living within the Erie County area there are over 119,138 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 70,196 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Erie County.

DemographicValues
Total Occupied Households110,413
Family Households (families)70,196
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units119,138

Erie County, PA Coastal Wind, Hail & Flood Information

For all homeowners living in Erie County (FIPS: 42049), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Pennsylvania is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Erie County, PA, it's important that you look into hurricane and windstorm insurance options.

Erie County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Pennsylvania.

Helpful Articles:

Erie County, PA Home Insurance Average Premiums

Local Erie, PA homeowners insurance quotes comparison

$793 /yr.

Pennsylvania's Average Home Insurance Rates Overall

For the state of Pennsylvania, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 41 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$586 /yr.
Current Average Cost:$793 /yr.
Maximum Range:$967 /yr.

Erie County, PA Coastal Wind, Hail & Flood Information

Erie is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Erie is know for it's beautiful beaches and waterways. Because Erie County (FIPS: 42049) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Erie County.

Pennsylvania Homeowners Insurance News & Information

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

Discounts For Homeowners in Erie County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Pennsylvania homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Erie County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Erie County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Erie County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Erie County Housing & Real Estate Data

Details:Statistics
Total Housing Units119138
Occupied Housing Units110413
Vacant Housing Units8725
Vacant Housing Units for Rent2771
Vacant Housing Units Rented Not Occupied149
Vacant Housing Units For Sale1159
Vacant Housing Units Sold Not Occupied332
Vacant Housing Units For Seasonal Occasional Use1628
Vacant Housing Units All Other Vacants2686
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units110413
Housing Tenure Occupied Units Owner Occupied73847
Housing Tenure Occupied Units Owner Occupied Population188626
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied36566
Housing Tenure Occupied Units Renter Occupied Population79065
Housing Tenure Occupied Units Renter Occupied Average Household Size2