For most people, home ownership represents their #1 financial investment.  A homeowners policy that is properly structured and valued will protect that investment.  Our professional staff will thoroughly evaluate your needs and present a comprehensive package to insure the dwelling, your personal property and liability coverage.  You may take advantage of higher deductibles, discounts and credits to reduce your insurance premiums, and you can add endorsements to your policy to broaden the protection limits even further.

What Miller Phillips Insurance can offer:

• A replacement analysis on your home which includes an agent viewing the property in person.  All too often we find hear from prospective clients that their home has never been visited by the current agent.  How is it possible to design a proper program if the home has never been seen?  Our hand on approach makes sure your home is properly insured. 
•  Guaranteed replacement cost on your home and attached structures.  More banks are requiring this coverage for loans and we have it! 
• Coverage up to $3,000 for theft of jewelry, guns, watches, furs, precious and semi-precious stones.  Our ERIE policy includes these limits at no additional cost.
• Award-winning claims service from ERIE Insurance.  This ensures you will be contacted promptly after reporting a loss.   

Discounts & Credits 

• Multi-Policy - By insuring your auto and home with ERIE, you will receive a discount on your auto premium as well as your homeowners premium.
• Life Multi-Policy - If a qualifying life insurance policy is purchased from Erie Family Life, your homeowners policy is eligible for a discount.
• New Home - Receive a discount if you live in a new home.
• Premises Alarm - This discount is applied to your premium if you have smoke detectors installed in your home.  An additional credit would be applicable if your home is equipped with a security system.

Common Endorsements available with ERIE

Enhancement Endorsement

The ERIE Enhancement Endorsement is a very popular add on to our policies.  It increases the special amounts shown under the Personal Property Coverage section of your policy to the following:

• $750 - Money, bank notes, bullion, gold other than goldware, silver other than silverware.
• $2,500 - Accounts, bills, deeds, evidences of debt, letters of credit, securities, tickets, stamps, and philatelic property.
• $2,500 - Trailers and campers (not otherwise insured) whether licensed or not.
• $2,500 - Watercraft, including their trailers (whether licensed or not), furnishings, equipment, and outboard motors.
• $5,000 - Theft of guns (Broadcover and Extracover Policies only).
• $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
• $5,000 - Theft of jewelry, watches furs, precious and semi-precious stones (Broadcover and Extracover Policies only).
• $5,000 - Theft of guns (Broadcover and Extracover Policies only).
• $5,000 - Theft, misplacing or losing of guns (Ultracover Policy only).
• $5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover and Extracover Policy only).
• $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover Policy only).
• $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Broadcover and Extracover Policies only).
• $5,000 - Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Ultracover Policy only).

In addition, this endorsement also includes:

• Payment up to an additional 10 percent of the amount of insurance under Dwelling Coverage for loss to trees, shrubs, plants, and lawns at the residence premises. (See endorsement for coverage provisions.)
• Payment for direct loss caused by water or sewage which backs up through sewers or drains up to $10,000.   Additional coverage is available if necessary!
• Ordinance of law coverage.
• Waive the deductible shown on the Declarations for any loss from a covered peril, exceeding $50,000.

Identity Recovery Coverage

ERIE Identity Recovery Coverage is a unique coverage for a growing problem! 

Coverage includes the following:

• Case Management service to recover control over your identity.  This help may include contacting authorities, credit bureaus, creditors and businesses.
• Up to $25,000 Expense Reimbursement Coverage
• Actual lost wages up to $250 per day and $5000 total.  This may include actual costs for supervision of children, elderly or infirm relatives or dependents during time spent to restore your identity.
• Notarizing affidavits or other similar documents.
• Costs for up to 12 credit reports.
• Fees and expenses for an appointed attorney.
• Costs for re-filing applications.

Additional Endorsements Available

ERIE offers a variety of optional coverage’s to meet your individual needs.  These can be added to your ERIE homeowners policy by endorsement for a minimal additional premium.  Some examples include:

• Earthquake Coverage
• Nurse’s Professional Liability
• Barber and Beauty Shop Professional Liability
• Personal Computer Coverage
• Musical Instruments

Understanding Your Homeowners Policy 

Dwelling Coverage - This provides coverage to repair or rebuild your house and any structures that would be attached (decks, porches etc.) if a covered loss occurs.  Common causes of loss are fire, wind, hail, falling objects (trees) or lightning.  It is important to remember your home needs to be insured for what it would cost to replace or rebuild it.  We spend a significant amount of time and effort to make sure this number is as accurate as possible. 

Other Structures Coverage - This provides coverage for other structures on your property that are separated from your house.  Most companies provide coverage to a 10% limit of what your dwelling coverage is.  ERIE provides a limit of 20% of what your dwelling is insured for.  Additional coverage is available if needed. 

Personal Property Coverage - This provides coverage for the personal property you own.  We often tell people to think of personal property as everything you would take with you if you were to move.  Most companies provide coverage to a 50% limit of what your dwelling is insured for.  ERIE provides a limit of 75% of the dwelling value. 

Loss of Use Coverage - This provides coverage for the additional expenses incurred if your home becomes uninhabitable due to a covered loss.  Examples would include increased living expenses such as hotel cost, apartment rent and restaurant meals.  Most companies provide coverage to a 20% limit of what your dwelling is insured for.  ERIE covers any reasonable expense you would incur for a period no greater than 12 consecutive months. 

Liability Coverage - This provides coverage in the event a claim or lawsuit for bodily injury or property damage is brought against you or your family members.  

Medical Payments to Others Coverage - This provides coverage in the event a friend or neighbor is injured in your home.  He or she can submit the medical bills to your insurance company and expenses are paid without the injured party filing a liability claim against you.

Deductible - Deductible options can be presented and the corresponding savings evaluated.  By choosing a higher deductible, you will be paying for smaller claims yourself and lowering your homeowners insurance premiums!