Homeowners Insurance from Kintz Insurance Agency
When most people hear the word “insurance” they think of their cars, but in many
cases their home is the most important and expensive piece of property they own.
Our agency offers a variety of comprehensive homeowners insurance policies to choose
from and these plans can be tailored to suit your individual needs and budget.
ERIE’s HomeProtector policies automatically include a full complement of standard
features that cover your dwelling, personal property and other structures. The policy
also includes liability protection, loss of use and medical payments to others 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.
Deductible
Paying for smaller claims yourself allows you to lower your homeowner’s insurance premiums by choosing a higher deductible.
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 insurance premium.
- 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.
- Sprinkler System Credit – If you install and maintain a sprinkler
system, you will receive a credit on your homeowners premium.
Endorsements
ERIE offers a variety of optional coverages to meet your individual needs and these
can be added to your homeowners policy by endorsement for a minimal additional premium:
- Expanded Endorsement – You can increase the special amounts listed
under the Personal Property Coverage section of your policy.
- Enhancement Endorsement – This endorsement increases the special
amounts to even higher limits and includes these additional benefits:
- Payment for direct loss caused by water or sewage that backs up through sewers or
drains.
- Payment up to an additional 10 percent of the amount on Dwelling Coverage for loss
to trees, shrubs, plants and lawns on the residence premises.
- Waiver of deductible shown on the policy declarations page for any loss from covered
peril, exceeding $50,000.
- Earthquake Coverage
- Nurse’s Professional Liability
- Personal Computer Coverage
- Replacement Cost on Personal Property