Erie vs. USAA Homeowners Insurance in 2024 (Who Wins?)
When comparing Erie vs. USAA homeowners insurance, premiums start at just $22/month. Erie is well known for its flexible coverage options and discounts, and USAA is known for its military-focused benefits and stellar customer service. Keep reading to know which insurer provides you with the best coverage.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 16, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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In the Erie vs. USAA homeowners insurance comparison, rates start at $22 per month. Both options provide solid coverage, with unique benefits to suit different needs.
This comparison between Erie Insurance Property & Casualty Company and Garrison Property and Casualty Insurance Company explores key factors like discounts, age, and gender.
We break down what a typical homeowners insurance policy covers, helping you find the best rates by understanding how these elements affect your premiums and coverage options.
Erie vs. USAA Homeowners Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.3 | 4.7 |
| Business Reviews | 4.5 | 4.5 |
| Claim Processing | 4.3 | 5.0 |
| Company Reputation | 4.5 | 5.0 |
| Coverage Availability | 3.5 | 5.0 |
| Coverage Value | 4.6 | 4.7 |
| Customer Satisfaction | 4.3 | 4.7 |
| Digital Experience | 4.0 | 5.0 |
| Discounts Available | 4.7 | 5.0 |
| Insurance Cost | 4.6 | 4.6 |
| Plan Personalization | 4.5 | 5.0 |
| Policy Options | 5.0 | 4.7 |
| Savings Potential | 4.6 | 4.7 |
| Erie Review | USAA Review |
Make sure to compare home insurance rates by entering your ZIP code below to avoid overpaying.
- Learn about the unique benefits each insurer offers
- Discover the savings opportunities with both providers
- Evaluate customer service and claims support from both companies
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Erie and USAA Homeowners Insurance History
Both Erie Insurance and USAA have long histories and provide extensive homeowners insurance. Erie Insurance was founded in 1925, initially as an auto insurer, and moved into homeowners coverage, becoming known for its strong customer service and custom-tailored policies for all kinds of property. USAA, founded in 1922, was created to serve military members and their families, providing unique coverage geared to the special needs of military life, such as coverage for military uniforms and for moves required in military life. Erie is a reliable, customer-focused provider and has a broad range of policies, while USAA is a reliable, customer-focused provider as well, that caters specifically to military families.
Comparing Homeowners Insurance Rates: USAA vs. Erie
See how USAA and Erie stack up with competitive pricing for homeowners coverage and premiums that are affected by age and gender. USAA offers additional discounts for military families, but Erie offers discounts for bundling policies.
Erie vs. USAA Full Coverage Homeowners Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $218 | $245 |
| Age: 16 Male | $233 | $249 |
| Age: 30 Female | $63 | $74 |
| Age: 30 Male | $66 | $79 |
| Age: 45 Female | $59 | $59 |
| Age: 45 Male | $58 | $60 |
| Age: 60 Female | $53 | $53 |
| Age: 60 Male | $55 | $54 |
How much does homeowners insurance cost? It varies by company, along with risk factors such as natural disasters and the limits you set for your coverage, both companies allow you to customize your deductible and, consequently, your premium.
Erie vs USAA Coverage Options
In the USAA vs Erie comparison, they provide coverage plans that are both comprehensive and cover your home and your belongings, so you are financially secure in the event of an unexpected event. They each realize the importance of protecting your property and offer a variety of options to meet homeowners’ individual needs.
Erie Indemnity Co’s Coverage Choices
Every homeowner’s needs are different, and Erie acknowledges that which is why these additional coverages are optional. Erie lets you choose your policy to fit your needs because you know what is best for your situation.
- Standard Coverage: Covers structure of your home, personal property, liability protection, and additional living expenses if displaced due to an insured loss (e.g., fire, storm).
- Optional Coverages: Erie offers optional coverage for identity theft protection and personal valuables, including items like jewelry, artwork, and collectibles.
- Customization: Erie allows homeowners to tailor policies to meet individual needs, ensuring the right level of protection.
Erie homeowner insurance offers customizable coverage for your home and personal property, and does Erie homeowners insurance cover roof leaks? Yes, roof leaks are typically covered if caused by a covered peril.
Erie homeowners insurance also provides roof replacement coverage, but the specifics can vary based on your policy and the type of damage.
USAA General Indemnity Company’s Coverage Choices
USAA provides a similar array of coverage options to protect your home and stuff. Homeowners insurance covers the structure of your home, personal property, and liability. What differentiates USAA is their coverage options that allow coverage for military members and their families.
- Standard Coverage: Covers the structure of your home, personal property, and liability, helping with repairs or rebuilding after a covered event.
- Military-Specific Coverage: For military families looking to protect uniforms and storage coverage, USAA provides a solution for deployed or relocated troops.
- Additional Natural Disaster Coverage: Provides protection against damage caused by earthquakes or floods, allowing you to relax in the face of major natural disasters.
- Comprehensive Coverage: USAA insurance homeowners can craft policies that fit the needs of the individual and provide full protection of home and belongings.
For homeowners looking to explore USAA’s options further, a USAA mortgage insurance calculator can help estimate costs associated with their coverage.
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USAA vs. Erie: Bussines & Customer Service Review
Customer service is top-notch at USAA and Erie Insurance. They have a dedicated claims team, 24/7 support, and an online portal for easy management of policy. USAA, which maintains a reputation of specialized support for military families, offers many customer service channels, including phone, email, and online chat, and its services are tailored to the particular needs of its members.
If you’re wondering, “does USAA homeowners insurance cover tree damage?” This Reddit review gives an impressive answer:
Comment
by from discussion
inMilitaryFinance
In this real-life example, USAA’s stellar customer service and coverage options really stand out—it’s no wonder they take their service to another level for the policyholders. After this support, it’s no wonder this family is praising USAA.
The table compares the insurance ratings and consumer reviews of Erie and USAA, showing both companies with high customer satisfaction and strong business practices, with USAA slightly outperforming Erie in customer feedback but both receiving excellent ratings for financial strength.
Insurance Business Ratings & Consumer Reviews: Erie vs. USAA
| Agency | | |
|---|---|---|
 | Score: 880 / 1,000 Above Avg. Satisfaction | Score: 882 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A++ Excellent Business Practices |
 | Score: 82/100 Positive Customer Feedback | Score: 96/100 High Customer Satisfaction |
 | Score: 0.60 Fewer Complaints | Score: 1.74 More Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A++ Superior Financial Strength |
The good news is that both companies make customer satisfaction a top priority, placing them at the top of the list for homeowners who want a dependable company.
Claims Process Review: Erie vs. USAA Homeowners Insurance
Erie and USAA both have straightforward, simple claims processes that take the stress out of a claim for the policyholder. Claims can be filed online or through the Erie mobile app, and updates are provided along the way by claims representatives. USAA provides 24/7 claims support, and customers can file claims online, through the app, or by phone, all the while receiving dedicated representatives to guide them through.
Ty Stewart LICENSED INSURANCE AGENT
You may want coverage more than price, or price more than coverage, or customer service, or claims handling, but both companies offer solid homeowners insurance options.
Get More Savings Through Discounts: Erie insurance vs. USAA
Both Erie and USAA offer significant savings through home and car insurance discounts when you bundle your home and auto policies.
Erie provides additional discounts for new homes, loyalty, and protective devices, while USAA focuses on military families, offering discounts for active duty members, veterans, and their families. USAA also rewards claims-free histories and offers savings for protective devices, making both insurers solid choices for affordable homeowners insurance.
Erie Pros & Cons
Pros
- Broad Coverage Options: As noted in Erie insurance review & ratings, they offers customizable policies to fit diverse homeowner needs.
- 24/7 Claims Support: Available anytime to assist with claims and policy inquiries.
- Bundling Discounts: Save on premiums when bundling home and auto policies.
Cons
- Limited Availability: Primarily serves the Mid-Atlantic and Great Lakes regions.
- Higher Premiums for Some: May have higher rates compared to other national insurers.
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USAA Pros & Cons
Pros
- Tailored for Military Families: Offers unique benefits for active duty and veterans, as mentioned in USAA insurance review & ratings.
- Excellent Customer Service: Consistently receives high marks for responsive, helpful support.
- Great Value: Competitive rates, especially for those in the military community.
Cons
- Eligibility Limits: Only available to military members, veterans, and their families.
- No In-Person Agents: Primarily online-based, which may not appeal to those seeking face-to-face support.
Choosing the Best: USAA vs. Erie Insurance
The Erie Insurance vs. USAA debate pits two great choices for homeowners against each other. Erie is stable, has full coverage and even pricing, 24/7 claims support, and this makes them a good pickup for many policyholders.
However, its coverage options may not be as flexible as USAA homeowners insurance, which provides top-notch customer satisfaction, especially for military families, and competitive rates as well as personalized service.
Much of our footprint was impacted by #HurricaneHelene. We stand ready to support our agents working to help those affected by the storm. Begin your claim here: https://t.co/g0vnvqnStm
We appreciate your patience as our agents and claims teams work to answer your calls. 💙 pic.twitter.com/DDxXEMixRc
— Erie Insurance (@erie_insurance) October 1, 2024
The downside is that USAA’s availability is limited to military members and their families. For those considering a USAA homeowners insurance quote, both companies offer excellent service, making it a strong contender for the best homeowners insurance depending on your needs.
Find the cheapest home insurance today by entering your ZIP code below into our free comparison tool.
Frequently Asked Questions
What is the difference between Erie and USAA homeowners insurance?
Looking at insurance comparisons like American Family vs. USAA and AAA vs. Erie, the main distinction is their target market. Erie Insurance serves the Mid-Atlantic and Great Lakes regions, while USAA exclusively serves military members, veterans, and their families nationwide.
Which company offers better coverage for homeowners insurance?
When comparing coverage options similar to 21st Century vs. USAA analyses, both Erie and USAA offer strong coverage. Like the Allstate vs. Erie comparison, the best choice depends on your specific needs and location availability.
What factors should I consider when choosing between Erie and USAA homeowners insurance?
Similar to comparing 21st Century vs. Erie, consider factors like coverage options, policy cost, and service quality. The American Family vs. Erie comparison also suggests looking at financial stability and regional availability as key decision factors.
Protecting your home doesn’t have to be expensive. Enter your ZIP code below into our free tool to find affordable homeowners insurance today.
Are there any discounts available with Erie or USAA homeowners insurance?
Both Erie and USAA offer various discounts for homeowners insurance. These discounts may include multi-policy car insurance discounts, home security system discounts, claims-free discounts, and more. It is advisable to inquire with each company about the specific discounts they provide.
Can I switch my homeowners insurance from Erie to USAA or vice versa?
Yes, it is possible to switch your homeowners insurance from Erie to USAA or vice versa. However, before making any changes, it is important to review the terms and conditions of your current policy and consult with representatives from both companies to ensure a smooth transition.
How can I get a quote for homeowners insurance from Erie or USAA?
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
What are the main pros and cons of Erie vs USAA homeowners insurance?
Erie offers broad coverage options and 24/7 claims support but has limited regional availability. USAA provides excellent military-specific benefits and great customer service but is only available to military members, veterans, and their families.
How do Erie and USAA’s insurance rates compare?
Erie’s rates start at $22 per month for minimum coverage, while USAA starts at $23 per month. Both companies offer competitive rates and various discounts, though actual prices vary based on individual circumstances.
What unique benefits does each company offer?
Erie specializes in customizable policies with optional coverage for identity theft and valuable items. USAA offers military-specific coverage, including protection for uniforms and special storage coverage for deployed service members, plus additional natural disaster coverage.
Read More: What a Typical Homeowners Insurance Policy Covers
How do their claims processes differ?
Both companies offer 24/7 claims support and online filing options. Erie provides claims filing through their mobile app with regular updates from representatives, while USAA offers multiple filing channels (online, app, phone) with dedicated representatives guiding customers through the process.
Don’t settle for expensive home insurance premiums. Enter your ZIP code belowto find robust coverage for your dwelling at an affordable price.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
