Home and Personal Insurance

Personal lines insurance coverage is designed to protect you and your family from property losses and potential law suits. The most popular types of personal lines polices are homeowner’s and auto liability, though umbrella, valuable items and renter’s insurance policies are prevalent too. In the event of a catastrophe, these kinds of coverage will either replace your belongings or reimburse you for their value, while also protecting you from lost wages (if you were unable to work due to a covered peril) and hotel costs (if you were displaced due to a covered peril). We insure customers all over North Carolina, so just pick up the phone (or send us an email) if you would like a quote.

Erie Insurance has been protecting the personal interests of its customers since 1925. Erie founder H.O. Hirt called his agents “Above all in Service” and it still stands true today. While Erie Insurance is best famous for personal auto insurance, they also offer outstanding coverage for homeowner’s and life insurance.

Types of Personal Lines Coverage

Homeowner’s Insurance The Homeowner’s policy is a package of protection that’s designed to protect your assets. There is coverage for your home and other structures, in addition to your personal property and personal liability. You may need to add schedule items, such as jewelry or art, to avoid paying your deductible in the event of a loss.

Renter’s Insurance The Renter’s policy is designed for people who rent apartments or homes. This coverage protects your personal property and liability protection. Many apartment complexes today require renter’s insurance.

Boat Insurance The Erie Boat Protector offers superior protection for your boat, boating equipment and accessories, liability and medical payments coverage. Progressive Insurance also offers competitive rates on boat policies.

Condominium Insurance This type of insurance is designed specifically for people who live in a condominium or townhome and whom own their property, but with limitations. It typically covers contents and a specified amount of building coverage.

Flood Insurance Flood Insurance is a type of property insurance. Traditional Homeowner’s policies do not cover damages caused by flooding, which is rising water. We write flood policies with the National Flood Insurance Program. If you are in a flood zone your mortgage company may require flood insurance.

Personal Umbrella Insurance A personal umbrella policy is liability protection over and above your personal auto and homeowner’s policies. Umbrella policies conventionally include a million-dollar limit, but higher limits of liability are available.