Broadcover

Erie Insurance Group's basic package of protection safeguards your:
  • Home and any attached structures.
  • Other structures at your premises that are separate from the dwelling.
  • Personal property wherever it may be.
  • 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

The Broadcover Policy protects you and your family with more than 50 Xtra 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 of jewelry, watches and furs.
  • Reimbursement for fire extinguisher recharge after a fire loss.
  • Payment for replacement of stolen automatic garage door transmitters. 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 of guns and related equipment.

Perils

The Broadcover Policy will protect your home, other structures and personal property from damage caused by the following perils:
  • Fire or lightning                           
  • Windstorm or hail
  • Explosion
  • Sonic boom
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Breakage of glass
  • Theft
  • Falling 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 the details.  

Optional Coverages

Your home is unique and so are your protection needs. Some optional coverages you may choose to add to your Broadcover Policy include:
  • Replacement cost settlement on personal property
  • Sewer or drain back-up
  • Incidental business occupancy
  • Earthquake coverage
  • Scheduled personal property
  • Dwelling and other structures siding and/or roofing restoration covera