Gavop's guide to buying homeowners insurance in Erie County, PA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $103,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $136,500 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $131,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $203,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $530 |
| Superior Protection Discount | -$63 | $568 |
| Fire & Security Discount | -$51 | $581 |
| Hail Resistant Roof Discount | -$19 | $613 |
| Newly Constructed Home Discount | -$177 | $455 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Erie County | $2,500 | $624 | $3,124 | $453 | $2,953 | $170 |
| Erie County, PA | $2,000 | $624 | $2,624 | $453 | $2,453 | $170 |
| Lawrence Park, PA | $200 | $592 | $792 | $430 | $630 | $162 |
| Saegertown, PA | $700 | $603 | $1,303 | $438 | $1,138 | $165 |
| Kingsville, OH | $100 | $669 | $769 | $486 | $586 | $183 |
| Harmonsburg, PA | $1,500 | $524 | $2,024 | $381 | $1,881 | $143 |
| Geneva, PA | $400 | $538 | $938 | $391 | $791 | $147 |
| Andover, OH | $2,500 | $579 | $3,079 | $421 | $2,921 | $158 |
| Gerry, NY | $200 | $584 | $784 | $424 | $624 | $160 |
| Sheakleyville, PA | $100 | $543 | $643 | $395 | $495 | $149 |
| Jamestown, PA | $2,500 | $518 | $3,018 | $376 | $2,876 | $141 |
| Home Insurance Company Erie County, PA | Homeowners Insurance Agency Erie County, PA | Address | Popularity Score | Distance from Erie County (miles) |
|---|---|---|---|---|
| Erie | Bort Insurance Service | 1460 W 38th Street, Erie, PA, 16508 | 1.9 | |
| Liberty Mutual Independent | Great Lakes Insurance Services Group Llc | 3205 Peach St, Erie, PA, 16508 | 1.4 | |
| Travelers | Great Lakes Insurance Services Group Llc | 2404 East Lake Road, Erie, PA, 16511 | 3.8 | |
| Erie | Drushel And Kolakowski Insurance Agency | 1730 W 26th Street, Erie, PA, 16508 | 1.6 | |
| Travelers | Great Lakes Insurance Services Group Llc | 2404 E Lake Road, Erie, PA, 16511 | 3.8 | |
| Travelers | Pfeffer Insurance Agency | 332 Holland Street, Erie, PA, 16507 | 1.2 | |
| Erie | Mantsch - Lafaro Insurance Agency | 4627 Peach Street, Erie, PA, 16509 | 2.3 | |
| Travelers | Historic Square Agency | 3731 W 26th St, Erie, PA, 16506 | 4.1 | |
| Erie | R H Rutkowski Insurance Inc. | 1760 W 8th Street, Erie, PA, 16505 | 1.5 | |
| Erie | Borowy Insurance Agency Llc | 206 W 11th Street Suite A, Erie, PA, 16501 | 0.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $500 | $1,070 | $570 |
| Erie County, PA | $124,100 | $631 | $450 | $900 | $450 |
| Erie County, PA | $124,100 | $631 | $420 | $900 | $480 |
| Lawrence Park, PA | $101,700 | $599 | $400 | $830 | $430 |
| Saegertown, PA | $106,300 | $610 | $430 | $870 | $440 |
| Kingsville, OH | $120,100 | $677 | $490 | $970 | $480 |
| Harmonsburg, PA | $75,800 | $530 | $380 | $750 | $370 |
| Geneva, PA | $81,300 | $545 | $390 | $750 | $360 |
| Andover, OH | $86,900 | $586 | $400 | $840 | $440 |
| Gerry, NY | $86,400 | $591 | $420 | $830 | $410 |
| Sheakleyville, PA | $83,000 | $550 | $370 | $780 | $410 |
| Jamestown, PA | $73,900 | $524 | $360 | $720 | $360 |