Erie renters insurance reviews consistently highlight generous coverage, strong customer service, and A+ financial ratings. While it lacks some digital conveniences, such as online applications and claims, Erie earns a solid reputation among experts and renters within its service areas. It earns a spot in our overview of the best and cheapest renters insurance companies.
Pros
Personal property replacement value coverage at no additional cost
A+ rating from A.M. Best
Fewer complaints than many competitors
Offers a variety of coverage options, including water backup and electronics add-ons
Cons
Policies are only available through independent agents in 12 states
No online insurance quotes or claim filing options
Premium rates are slightly above average in some locations
About Erie Renters Insurance
Erie Insurance Group offers property and casualty coverage through independent agents in states including IL, IN, KY, MD, NC, OH, PA, TN, VA, WV, WI, and Washington, D.C.
The company began in 1925 and carries an A+ (Superior) rating from A.M. Best, which reflects strong financial stability. Erie also earns an A+ grade at the Better Business Bureau, despite its lack of accreditation. A standout feature that Erie provides its customers is replacement cost coverage for personal property at no extra cost.
While policyholders appreciate the agency relationships and claims support, Erie lags behind its competitors in regard to digital access for quotes and claims. However, Erie does offer a mobile app to keep up with your account information.
Features and Benefits
Erie renters insurance offers more than just basic protection. The company’s standard provision of covering the replacement costs for your personal property is a huge selling point. The coverage means you get reimbursed for the replacement cost value of your damaged or stolen belongings. The dollar amount can be much higher than competitors’ payouts, which include only the actual cash value of covered items.
Beyond covering your possessions, Erie can also help with medical payments if a guest is injured, living expenses if you need to relocate temporarily, and liability protection in case you’re held responsible for property damage to someone else’s belongings.
- Replacement cost coverage for personal property
- Water backup protection for drains and sewers
- Electronics coverage for items like laptops and smartphones
- Liability protection for bodily injury and property damage to others
- Living expenses coverage if your home becomes uninhabitable
- Medical payments for guest injuries
- Identity theft restoration support in some states
- Bundling discounts with Erie auto or home policies
- Customizable deductibles and additional coverage endorsement options
Erie Renters Insurance Reviews: Editorial Rating
Trusted Company Reviews rating score: 7.9
Erie ranks high for coverage quality, financial strength, and customer service. However, its limited state availability and lack of online functionality regarding claims and applications keep it from rating higher on our list.
That said, Erie is one of the best cheap renters insurance companies, due to its inclusion of important features that come standard in each policy. Where most insurers charge extra for replacement cost coverage, Erie includes it as standard while keeping policy prices affordable. The company also offers water backup protection, electronics add-ons, and other services for additional fees.
Erie’s A+ financial rating, low complaint volume with the National Association of Insurance Commissioners, and consistently positive experiences with Erie agents, as customer reviews suggest, set it apart from many of its competitors.
| Average Monthly Premium Cost | $11 to $16 |
| Deductible Options | $250 to $2,000 |
| BBB Rating | A+ (not accredited) |
Why We Like It
Erie includes personal property replacement cost as standard, when many competitors still charge extra for the added protection. It also provides useful endorsements like water backup and electronics coverage. Additionally, Erie renters insurance reviews consistently cite the company’s customer service team for its responsiveness and professionalism.
What We Don’t Like
Erie doesn’t offer online insurance quotes or claims filing, which holds it back in expert and customer rankings. Additionally, Erie’s coverage area only includes a small number of states.
Erie Renters Insurance Customer Reviews
On Reddit and similar platforms, Erie renters insurance customers often praise the company’s competitive pricing and smooth claim process, despite it not being available online. On Erie’s website, policyholders describe claims support as “prompt, proactive, and a calming presence.”
However, BBB reviews vary by location. Erie holds an A+ rating but has 194 complaints in three years. Some customers on Yelp call out poor customer service, though these appear to be isolated instances.
Who Is Erie Renters Insurance Best For?
Erie is best for renters who value strong coverage, replacement cost protection, and don’t mind having to make a phone call to get a policy quote. However, you must live within one of the 12 states where the company operates to take advantage of its offerings.
Erie Vs State Farm Renters Insurance
Erie and State Farm both stand out as reliable, customer-friendly providers, but they serve different types of renters.
Erie includes replacement cost coverage for personal property in its standard policy, which means you don’t have to pay extra to ensure your belongings are reimbursed at full value. It also offers a variety of optional endorsements, such as electronics protection and water backup coverage, which make the policy more customizable.
State Farm, on the other hand, has the edge in availability and convenience. It operates nationwide and offers full digital access, including online quotes and claims filing. These are features Erie lacks. While State Farm does not automatically include replacement cost, you can add it to your policy for an additional fee.
Both companies offer bundling discounts when you combine renters insurance with car insurance or home insurance. Erie receives an A+ financial strength rating from A.M. Best, just like State Farm. However, State Farm is accredited by the Better Business Bureau, while Erie is not, though it still maintains an A+ rating with the organization.
| Erie | State Farm | |
| TCR Rating Score | 7.9 | 8.6 |
| Average Monthly Premium Cost | $11 to $16 | $12 to $20 |
| Deductible Options | $250 to $2,000 | $500 to $1,000 |
| BBB Rating | A+ (not accredited) | A+ (accredited) |
| State Availability | 12 states + D.C. | All 50 states + D.C. |
Filing a Claim With Erie Renters Insurance
To file a claim with Erie, you must contact your independent agent directly. Erie doesn’t accept online submissions. Agents typically coordinate with adjusters for assessments and payouts. Review times are fast Erie renters insurance reviews from customers.
Erie Renters Insurance Alternatives
If Erie doesn’t serve your state or if the lack of online tools is a dealbreaker for you, consider these other contenders. Each offers broader availability, digital access, and strong customer satisfaction scores.
- Amica: top-rated for claims processing, coverage, and home insurance reviews
- USAA: excellent pricing and service for military families
- Lemonade: fast, app-based quotes and claims
- State Farm: widespread coverage and strong digital tools
Frequently Asked Questions
What is the best way to get renters insurance?
Is renters insurance actually worth it?
Source
Logo image source: erieinsurance.com
Deane Biermeier is a certified financial educator through the University of Minnesota and a respected authority in financial research, writing, and editing, renowned for his in-depth analyses and expert advice. With a distinguished career that previously spanned home improvement, real estate, and finance topics, Deane's role at Trusted Company Reviews focuses exclusively on finance.
Deane has contributed to leading publications such as Forbes Home, US News and World Report, Newsweek Vault, and others.
Since joining TrustedCompanyReviews.com in 2023, he has solidified his reputation as a crucial resource for clear, factual financial guidance.
Deane Biermeier
Last Updated: June 28, 2025
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