Advantage Service Insurance
695 Pierce St, Suite 210, Erie, CO 80516
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695 Pierce St, Suite 210, Erie, CO 80516
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568 Briggs St, Erie, CO 80516
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Learn about insurance coverage options specific to Erie residents.
Erie homeowners pay $1,840/year on average. Learn about lake-effect snow damage, water coverage, and protecting historic homes in Pennsylvania's snowiest city.
Car InsuranceErie drivers pay $146/mo avg for auto insurance. Learn about PA's choice no-fault system, full vs limited tort coverage, and lake-effect snow protection.
Car InsuranceErie drivers pay just $1,768/year—9% below PA's average. Learn how lake-effect snow affects coverage needs and save with bundling discounts.
General Insurance EducationComplete insurance guide for Erie, PA residents. Understand Pennsylvania's full tort vs limited tort choice, lake effect weather coverage, and local rates.
Yes, standard homeowners insurance policies typically cover damage caused by ice dams, including water damage to your interior, roof damage, and related repairs. However, the policy won't pay to remove the ice dam itself—only the damage it causes. To prevent claims, consider installing heat cables along roof edges and ensuring proper attic insulation and ventilation.
Standard homeowners policies don't cover sewer backups, drain overflows, sump pump failures, or flood damage. In Erie, heavy snowmelt and severe storms can overwhelm drainage systems, causing water to back up through floor drains and sewer lines. Extended water coverage fills this gap for typically $50 to $100 per year, protecting against a problem that's common in Erie.
Erie homeowners pay an average of $1,840 per year for home insurance, which is slightly below Pennsylvania's state average of $1,911 and well below the national average. However, rates vary significantly by insurer—the cheapest company in Erie charges around $1,061 annually while others charge considerably more. Shopping around can save you hundreds of dollars.
Yes, older homes typically cost more to insure because of outdated electrical and plumbing systems, aging roofs, and higher replacement costs for period-appropriate materials and craftsmanship. Some insurers require updates to knob-and-tube wiring or older roofs before providing coverage. If you own a historic home, guaranteed replacement cost coverage is essential to cover the higher rebuilding expenses.
Your dwelling coverage should reflect the full replacement cost of rebuilding your home, not its market value. This includes materials, labor, and bringing the home up to current building codes. For older or historic homes, replacement costs are often higher than market value due to specialized materials and craftsmanship. Review this amount annually, especially since replacement costs have increased significantly in recent years.
Yes, homeowners insurance covers roof collapse caused by the weight of snow and ice. However, you need adequate dwelling coverage to pay for repairs or rebuilding. In Pennsylvania, winter weather damage claims average $11,650 per incident. Make sure your coverage limits are sufficient and understand your deductible—you'll pay that amount out of pocket before insurance kicks in.
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