Question 1

Does homeowners insurance cover ice dam damage in Erie?

Accepted Answer

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.

Question 2

Why do I need extended water coverage if I already have homeowners insurance?

Accepted Answer

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.

Question 3

How much does home insurance cost in Erie compared to the rest of Pennsylvania?

Accepted Answer

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.

Question 4

Are older homes in Erie more expensive to insure?

Accepted Answer

Yes, older homes typically cost more to insure because of outdated electrical and plumbing systems, aging roofs, and higher replacement costs for period-appropriate materials and craftsmanship.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.

Question 5

What should my dwelling coverage amount be for a home in Erie?

Accepted Answer

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.

Question 6

Does home insurance cover roof collapse from heavy snow?

Accepted Answer

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.

Insurance Agents in Erie, Pennsylvania (PA)

Insurance agencies serving Erie

Bort Insurance Services

Domino Insurance Agency, Inc.

Insurance Agents in Erie, Pennsylvania (PA)

Insurance agencies serving Erie

Bort Insurance Services

Domino Insurance Agency, Inc.

Hart Mcconahy & Martz Insurance Inc

Heidi Hilton Insurance Agency, Inc.

Historic Square Agency LLC

Locastro Bonini Insurance Agency

MCJ Insurance

Mutual Expert

Robert Glowacki Agency

Robert Glowacki Agency

Insurance Guides for Erie

Home Insurance in Erie

Auto Insurance in Erie

Car Insurance Costs in Erie

Erie Insurance Guide

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