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The Ultracover Edition of the ERIE® Pioneer 21st century HomeProtector Program is broad in coverage and solid in Xtra features. It is the latest example of the pioneering spirit that has made ERIE® a top rated company for over 70 years.

Erie Insurance Group's premier HomeProtector Program offers the highest levels of security for you and your home. Coverages include:

• Your home and any attached structures. (Guaranteed Replacement Cost Settlement)
• Other structures at your premises that are separate from the dwelling.
  
• Personal property wherever it may be. (Replacement Cost Settlement)
  
• Loss of use, which covers the additional living expenses you incur due to temporary relocation.
  
• Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
  
• Medical payments to others who are injured in an accident arising from your premises or personal activities.

Xtra Features (Superior Protection)

ERIE's Xtra Features go above and beyond standard coverage. An Ultracover policy secures you and your family with over 50 Xtra protection features, including:

• Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  
• Payment up to the personal property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
  
• Coverage up to $3,000 for theft, misplacing or losing of jewelry, watches and furs.
  
• Reimbursement for fire extinguisher recharge after a fire loss.
  
• Payment for replacement of automatic garage door transmitters which have been stolen. Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  
• Coverage up to $3,000 for theft, misplacing or losing of guns and related equipment.
  

Perils*

The Ultracover Edition will protect your home, other structures and personal property from damage caused by all of the following perils, plus others not specifically excluded in the policy:

Fire or Lightning · Windstorm or Hail · Explosion · Sonic Boom · Riot or Civil Commotion · Aircraft or Vehicles · Smoke · Vandalism or Malicious Mischief · Glass breakage · Theft · Falling Trees or Other Objects · Weight of Ice, Snow or Sleet · Sudden Bursting or Cracking of a Heating or Cooling System · Freezing of Plumbing, Heating and Cooling Systems · Accidental Overflow or Discharge of Water from Within the Home · Power Surge Damage to Electrical Appliances · Volcanic Eruption.

*Some perils contain specific exclusions. See the actual policy for details.

Optional Coverages

Because your home is a special place, it may have unique protection needs. Some of the optional coverages available include:

Sewer or Drain Backup · Incidental Business Occupancy · Earthquake Coverage · Scheduled Property · Enhancement Endorsement · Expanded Endorsement · Personal Computer Coverage Endorsement · Dwelling and other structures siding and/or roofing restoration coverage

Compare our quality, our service, our coverages and our price. You'll realize, as many people already do, that this policy truly is a new dimension in home insurance protection.

Your home is your family’s safety, security and stability. What protects you deserves protection, too. Insure with Erie Insurance Group through Douglas Bays and Associates to soundly safeguard your home’s structure, your possessions and your liability. Whether your home is a house or a condominium, ERIE has an affordable, comprehensive policy to suit your needs. A Douglas Bays agent can help you review and decide what options are right for you.

• HomeProtector
• Tenantcover
• Condocover
• Mobile HomeProtector