Rental Coverage for Landlords - ErieSecure

If you're a landlord, Erie Insurance's ErieSecure Rentalsm Policy* offers coverage to help protect your rental properties. The coverage is similar to homeowners insurance, but it's tailored to meet your needs.

The coverage provides:

  • Guaranteed replacement cost** loss settlement for the dwelling. (With guaranteed replacement cost, the property will be covered in full if it's damaged or destroyed.)
  • Replacement cost loss settlement for personal property. (Replacement cost is today's cost to replace the personal property with materials of like kind and quality.)
  • Comprehensive coverage for the dwelling, other structures and personal property. (This provides protection against losses such as fires, lightning, windstorms or hail.)
  • Premises liability protection for personal injury, bodily injury, property damage and medical payments.

Optional Coverages to Consider

You can expand your protection beyond the standard rental property coverage with the Rental Policy Plus endorsement. This optional coverage lets you increase your policy limits even more for things like:

  • Trees, shrubs, plants and lawns
  • Debris removal
  • Siding and/or roofing restoration coverage
  • Fair rental value (If your tenant has to move out because of a fire or other loss, ERIE pays you for the lost rental income.)
  • Payment for an automatic garage door opener
  • Lock replacement after a loss
  • Loss assessment (If a housing association charges an assessment to members, coverage is available.)
  • Ordinance or law coverage
  • Identity Recovery Coverage, including identity theft management service, expense reimbursement and fraud coverage

And, Erie Insurance will waive the policy deductible for any loss from a covered peril, such as a fire, exceeding $50,000.

More Coverages to Consider

Some other options to add to your policy to protect your property:

  • Earthquake coverage
  • Sewer or drain backup coverage
  • Sinkhole coverage
  • Mine subsidence coverage (not available in all states)

We can help you choose the policy and coverage that's right for you. Contact our agency today to get started.


*ErieSecuresm is available in Illinois, Indiana, Ohio, Tennessee, Virginia, West Virginia and the District of Columbia.

** Guaranteed Replacement Cost requires home improvements over $5,000 to be reported within 90 days. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation may be deducted until repair or replacement is made. Visit eriesecurehome.com/details or contact our agency for more information.

Please note: This material is general in nature and for informational purposes only. Coverages, exclusions, limitations, policy terms and conditions and eligibility for discounts may vary from state to state and are subject to the underwriting guidelines, rates and rules in effect at the time of purchase. Please refer to the policy itself for definitions, coverages, exclusions and other terms and conditions.

ERIE® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products are offered in all states. Policy issuance is subject to eligibility criteria. Go to erieinsurance.com for company licensure and territory information.

Available Coverages

If you live in Illinois, Indiana, Ohio, Tennessee, Virginia, West Virginia or the District of Columbia, check out ErieSecure Home®.
If you don’t live in one of those states, or you're a current Customer with a homeowners policy and want to learn more about it, check out HomeProtector.
ErieSecure Home Insurance Policy
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