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Insure Smart Checklist

  • Buy ample life insurance when you are young and healthy. Term is very affordable and convertible to permanent and you save on your Auto and Home coverage. Ask us how much coverage you can get for $15/month. View the Life Insurance Calculator.
  • Add “Your Turn” and have your auto policy pay every driver in your household a dividend.
  • Consider adding “Erie Auto Plus” to your policy. It reduces your deductible by $100 for each year you go without a claim up to $500 reduction. It also gives you accidental death protection & one deductible in the event of certain home and auto claims. It cost $35/year “per policy”. If you have multiple vehicles you really should add this.
  • Consider adding “New Auto Security”. It provides New car replacement on cars less than 2 years old that get totaled and if you have a car that is older than 2 years Erie will pay to replace it with a comparable model 2 years newer. More and more cars are totaled due to advanced technology and increasing repair costs. Contact us to add this coverage.
  • Do you have a college student at school “without” a car? Contact us so we can make sure you are getting a discount.
  • Do you need an Umbrella Liability Policy? Erie has very competitive prices for this invaluable peace of mind.
  • Increase your personal liability from $300,000 to $500,000 for about $8/year.
  • Sewer & Drain Back-up Coverage and EarthQuake Coverage are optional coverage and need to be specifically added if you want and need them. If you don’t know if you have coverage please call us and ask.
  • Flood Coverage is not included in homeowners policies. We have special companies that offer it. Call us for a quote.
  • Add the “Select” or “Plus” bundle to your homeowners policy and get coverage for Identity theft, Underground Service lines, M&E breakdown, Siding restoration, 2 years for loss of use and much more.
  • Policies have inside limits on jewelry, silver, furs, guns, etc. Contact us with questions or to schedule special items.
  • Homeowner policies have limits on coverage for Home Business. Contact us to review your potential exposure.
  • Moving? In addition to Indiana, we write business in Illinois, Michigan, Ohio & Pennsylvania. Contact us.
  • Take ownership of your coverage. Look over all new declaration pages and contact us with any questions.
  • Life’s Changes often mean Insurance changes. IE..New Job-Driving less miles to work? New Baby more life insurance? Retired and you no longer have life coverage through work & your car is now pleasure use only, etc… If something has changed contact us. We want to hear from you.
  • We are grateful for referrals. Please make sure they mention your name so we can send you a little something as a thank you.