North Carolina Homeowners Coverages

We’ve got a plan that’s just right for you in North Carolina.

  Plus Form
HE 00 07		 Special Form
HO 00 03		 Broad Form
HO 00 02
Dwelling
  • Replacement cost
  • Comprehensive perils coverage
  • 100% insurance to value required
  • Replacement cost
  • Comprehensive perils coverage
  • 80% insurance to value required
  • Replacement cost
  • Named perils coverage
  • 80% insurance to value required
Other Structures
  • Replacement cost
  • Comprehensive perils coverage
  • 20% of dwelling limit
  • Replacement cost
  • Comprehensive perils coverage
  • 10% of dwelling limit
  • Replacement cost
  • Named perils coverage
  • 10% of dwelling limit
Personal Property
  • Replacement cost
  • $1000-$10,000 sub limits on various personal property items
  • Actual cash value*
  • $200-$10,000 sub limits on various personal property items
  • Actual cash value*
  • $200-$10,000 sub limits on various personal property items
Loss of use If your home should become uninhabitable, up to 20% of the dwelling amount will be paid for temporary living expenses.
Liability Bodily injury, personal injury and property damage Bodily injury and property damage

Contact our agency to learn more about ERIE’s homeowner coverage, discounts, claims service and the price of these policies.

*Replacement cost coverage can be purchased.

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.
HomeProtector Insurance Policy
Related Coverages
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