Erie Insurance appetite and how to quote it

Appetite

Class	Line	States	Notes
Homeowners	Home	DC, IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI	ErieSecure Home includes 100% guaranteed replacement cost, as long as home improvements over $5,000 are reported within 90 days. Not available on every policy or in every state. Multi-policy discounts with auto run 15% to 25% depending on the state (Home Insurance and Home Insurance Coverage by State pages, Oct 2026).
Personal auto	Auto	Most states	ERIE Rate Lock keeps rates steady until a driver, vehicle or garaging address changes. It is limited to three years in Virginia and needs the insured to meet underwriting guidelines. The YourTurn driving program is not offered in KY, DC, NY or NC. New and used car replacement is not offered in NY or NC (Auto Insurance page, Oct 2026).
Homeowners	Personal umbrella	Most states	Personal catastrophe liability sits above ERIE home and auto policies. ERIE says $1M of extra coverage usually costs under $20 a month. Umbrella Liability Insurance is not offered in New York, where ERIE keeps selling Personal Catastrophe Liability (Personal Umbrella Insurance page, Oct 2026).
Recreational vehicles	Specialty	Most states	Boat Protector covers powerboats, sailboats, houseboats, motorboats and personal watercraft but is not available in Kentucky. Motor homes go on an ERIE personal auto policy except in North Carolina, where they must be written on commercial auto. Travel trailers on an auto policy get physical damage cover while parked at a campsite (Boat Insurance and RV Insurance pages, Oct 2026).
Restaurants	BOP	Most states	Restaurants are written on ErieSecure Business, Ultrapack Plus or Ultraflex. Food contamination cover comes in the optional Restaurant Enhancement Endorsements (a separate endorsement on Ultraflex). Optional add-ons include EPL, sewer backup and guaranteed replacement cost. Cyber Suite is only offered on ErieSecure Business (Restaurant Insurance page, Oct 2026).
Offices	BOP	Most states	Offices and professional services are an ERIE industry package. ErieSecure Business includes sewer or drain backup and optional cover for business property at clients' sites and home offices. Cyber Suite is only offered on ErieSecure Business and not in New York. Workers' comp is a separate policy and not offered in Ohio (Offices & Professional Services and Cyber Suite pages, Oct 2026).
Contractors	GL	Most states	Contractor package includes contractor liability for operations and completed work. Optional add-ons: pollution liability, errors and omissions, tools and equipment (at the job site or elsewhere), and builders risk and installation. Workers' comp and business auto are separate policies, and workers' comp is not offered in Ohio (Contractors industry page, Oct 2026).
Retail	GL	Most states	Retail package covers premises and product liability, contingent business income if a key supplier has a covered loss, and optional peak-season inventory and data breach liability. Workers' comp is not offered in Ohio (Retail industry page, Oct 2026).
Manufacturing	GL	Most states	Manufacturers package covers product liability, equipment breakdown and off-premises utility failure. Optional add-ons include product withdrawal and manufacturer's errors and omissions. Workers' comp is a separate policy and not offered in Ohio (Manufacturers industry page, Oct 2026).

Class

Line

States

Notes

Homeowners

Home

DC, IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI

ErieSecure Home includes 100% guaranteed replacement cost, as long as home improvements over $5,000 are reported within 90 days. Not available on every policy or in every state. Multi-policy discounts with auto run 15% to 25% depending on the state (Home Insurance and Home Insurance Coverage by State pages, Oct 2026).

Personal auto

Auto

Most states

ERIE Rate Lock keeps rates steady until a driver, vehicle or garaging address changes. It is limited to three years in Virginia and needs the insured to meet underwriting guidelines. The YourTurn driving program is not offered in KY, DC, NY or NC. New and used car replacement is not offered in NY or NC (Auto Insurance page, Oct 2026).

Homeowners

Personal umbrella

Most states

Personal catastrophe liability sits above ERIE home and auto policies. ERIE says $1M of extra coverage usually costs under $20 a month. Umbrella Liability Insurance is not offered in New York, where ERIE keeps selling Personal Catastrophe Liability (Personal Umbrella Insurance page, Oct 2026).

Recreational vehicles

Specialty

Most states

Boat Protector covers powerboats, sailboats, houseboats, motorboats and personal watercraft but is not available in Kentucky. Motor homes go on an ERIE personal auto policy except in North Carolina, where they must be written on commercial auto. Travel trailers on an auto policy get physical damage cover while parked at a campsite (Boat Insurance and RV Insurance pages, Oct 2026).

Restaurants

BOP

Most states

Restaurants are written on ErieSecure Business, Ultrapack Plus or Ultraflex. Food contamination cover comes in the optional Restaurant Enhancement Endorsements (a separate endorsement on Ultraflex). Optional add-ons include EPL, sewer backup and guaranteed replacement cost. Cyber Suite is only offered on ErieSecure Business (Restaurant Insurance page, Oct 2026).

Offices

BOP

Most states

Offices and professional services are an ERIE industry package. ErieSecure Business includes sewer or drain backup and optional cover for business property at clients' sites and home offices. Cyber Suite is only offered on ErieSecure Business and not in New York. Workers' comp is a separate policy and not offered in Ohio (Offices & Professional Services and Cyber Suite pages, Oct 2026).

Contractors

Most states

Contractor package includes contractor liability for operations and completed work. Optional add-ons: pollution liability, errors and omissions, tools and equipment (at the job site or elsewhere), and builders risk and installation. Workers' comp and business auto are separate policies, and workers' comp is not offered in Ohio (Contractors industry page, Oct 2026).

Retail

Most states

Retail package covers premises and product liability, contingent business income if a key supplier has a covered loss, and optional peak-season inventory and data breach liability. Workers' comp is not offered in Ohio (Retail industry page, Oct 2026).

Manufacturing

Most states

Manufacturers package covers product liability, equipment breakdown and off-premises utility failure. Optional add-ons include product withdrawal and manufacturer's errors and omissions. Workers' comp is a separate policy and not offered in Ohio (Manufacturers industry page, Oct 2026).

Getting appointed

ERIE looks for local, community-oriented, service-driven agency owners. Insurance experience is not required, but a license is needed to be appointed. The process includes meetings with the local District Sales Manager, a written business and production plan, and a credit and background check. It usually takes 2 to 4 months. There is no franchise fee or minimum capital.

Erie Insurance

Appetite

How to quote Erie Insurance

Getting appointed

Sources

Tell us your book.
We'll build your stack.

Erie Insurance

Appetite

How to quote Erie Insurance

Getting appointed

Sources

Tell us your book.We'll build your stack.

Tell us your book.
We'll build your stack.