How was your last claims experience?

We ask this question to new and existing customers on a pretty regular basis to compare the service our insurance companies provide and their competitors. The claims experience sometimes can be an emotional one. During the claim many thoughts can go through your head like, why did this happen, how quickly can I get back to normal, how much is this going to cost, will my insurance rates go up, what am I going to do, how much is my deductible, where will I live, who do I call, and countless others.

 

Think back to your last claims experience. Was your claims adjuster nice? Was everything paid for? How long did it take to get back to normal?

We hope your experience was a good one, as this is the expectation we all have. However, if you find the investment you’ve made with your insurance company has not paid off maybe it’s time to rate service over price.

Dog Breeds & Homeowners Insurance

Man’s best friend. Dogs have come a long way being part our lives and families and we treat them like one of our own children. They make us laugh, mad, happy and sad, but nothing can ever break the bond between us. When it comes to insuring these furry creatures some homeowners insurance companies  exclude any coverage for certain breeds.

 

Recently we met a cross breed of chow and lab. The homeowner had insurance with a company that decided that the chow breed did not meet their underwriting guidelines and cancelled their policy. Trying to find coverage after this incident was difficult for the homeowner. After a long and hard search the homeowner was able to find a company though our agency that accepted the cross breed.

 

It it can be difficult at times to find coverage hen your dog’s breed is on the “no fly list”, but some companies will review more than just the breed.

Whose line is it anyways?

Introducing Service Line Coverage

Why pay for multiple service contracts offered by multiple utility companies when you can get coverage for underground service lines right in your homeowners insurance?

 
Breaks in a line or accidents during digging can happen. When you purchase the Plus or Select bundle with your ErieSecure® policy, you’ll have coverage and won’t be stuck footing the bill for damage to your underground lines*.

 
The coverage is for damage to lines like cable, internet and electrical wiring, and damaged natural gas, propane and sewer pipes.

 
Rest easy knowing your home is covered all
the way to the curb.
Add a bundle today. Your ERIE agent can help.

Typical homeowner policies cover $3,000 worth of jewelry. What if you have more?

For many people, jewelry isn’t just something that looks pretty—it has real sentimental value. Maybe it’s your class ring, or your grandmother’s pearl necklace. Maybe it’s the antique wedding ring your653902988_6a42cdca2a_z husband gave you when he proposed on bended knee, or maybe a killer diamond tennis bracelet you bought just because.

Whatever your jewelry means to you, it’s important to protect these financial and emotional investments. Many homeowners policies will cover a limited amount of jewelry in the case of theft or destruction, but what if you have more jewelry that needs protecting? In many cases, that can mean filling out long itemized forms for each and every piece of jewelry you own.

But with ErieSecure HomeSM, you can receive blanket jewelry coverage. That means you can insure your jewelry collection for a set amount—whether that’s $5,000 or $500,000. There’s no need to itemize and insure each piece separately; one policy covers them all. You simply need to have proof of ownership and an assessed value for each piece in case of loss, and you’re good to go.

Jewelry is so much more than just stones and metal. Don’t risk losing your precious belongings. Call us today to find out about blanket coverage for your jewelry and the other host of benefits from ErieSecure Home.

Lessons from Superstorm Sandy: Steps Every Homeowner Should Take

Superstorm Sandy was a powerful storm that packed some memorable lessons. The wind and water damage hit the East Coast the hardest, but the remnants of the fall storm stretched as far north as eastern Canada.

To protect yourself and your property from severe weather, review these important steps, recommended by consumer safety advocates, the Insurance Information Institute (I.I.I.) and Institute for Business and Home Safety (IBHS).

IDL TIFF file

Source: http://earthobservatory.nasa.gov/NaturalHazards/view.php?id=79553

  1. Check your home insurance coverage – Be sure you have the right kind and amount of insurance, enough to rebuild your home and replace your belongings. It’s always best to review your coverage with your insurance agent every year.
  2. Get flood coverage – You may also want to consider flood insurance, which is not covered under a standard homeowners policy. It is important to purchase flood coverage well in advance of a storm because there is a 30-day waiting period. Erie Insurance offers flood insurance coverage through American Bankers.
  3. Beware of contractor fraud – Dishonest drifters often go door-to-door, especially after disasters, to try to convince you that need a new roof, even if your roof is not damaged at all. Read more about the scams on the Coalition Against Insurance Fraud’s website. If you need a suggestion about who to hire, contact your local ERIE Agent or claims adjuster.
  4. Inspect your roof – Keeping wind and water out of your home is critical. Make sure the roof covering is well adhered and there are no missing pieces. Secure roof shingles and seal any openings, cracks and holes. Refer to the IBHS roof inspection checklist for help.
  5. Check your basement – In the basement, IBHS recommends using water resistant paint on the interior basement walls, sump pumps and other methods that can prevent flood damage to your home and belongings. Sum
  6. p pumps are most often used in cases where the house’s basement is below the water table level and in places where flooding is common. If you have a sump pump, use a battery backup system in the event that the power goes out during a storm. You may also want to consider adding sewer and drain backup coverage to your homeowners policy.
    It covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.
  7. Prune the trees – Good pruning can prevent damage to your home in extreme weather conditions. If a tree hits a home or other insured structure such as a detached garage, most homeowner policies will provide coverage for damage to the structure and contents inside it. Some insurance policies also provide coverage for the cost of removing the tree. However, coverage is often limited to trees that fall because of a windstorm, hail, weight or ice, snow or sleet. It does not cover dead or diseased trees.
  8. Create a home inventory – An up-to-date home inventory will speed up the claims process by substantiating losses. It can also help you determine how much insurance to purchase. To make the process easier, I.I.I. offers free web-based software at www.knowyourstuff.org and Erie Insurance has a home inventory form that you can print out and fill in.
  9. Have an evacuation plan – Decide where you will go and how you will get there and have more than one option. Keep a map, phone numbers and addresses handy. Think about what you’ll need to take with you ― items like medicines, important documents, clothing and food ― and have them ready to go. The I.I.I. recommends practicing your evacuation plan by doing a 10-minute challenge ― giving yourself just 10 minutes to pack up and get out.

Contact Us

By taking these steps now, you stand the best chance of getting your life back in order after a disaster. More storm preparation information is available on iii.org or the Institute for Business and Home Safety’s Web site, disastersafety.org.

If you have any questions about this information or your coverage, contact our agency. We’re here to help.