Trusted advice and insurance solutions to protect what matters most.
Personal insurance throughout Tennessee.
Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Any improvements or betterments that you have made to your unit are subject to damage.
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.
When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.
ErieSecure Home Bundles
At Erie Insurance, we want to help you find coverage that suits your home, lifestyle, and budget. That’s why it’s a smart insurance decision to consider an ErieSecure Home Bundle to expand your protection beyond our standard homeowners policy.
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Off-Road Vehicle Insurance
Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We'll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We'll help you leave your worries on dry land and fully enjoy your time on the water.
Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!
Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.
Even with your homeowners insurance, you're still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.
Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
Sinkholes are more common than you might think. And, surprisingly, damage from sinkholes is not typically covered under an existing homeowners insurance policy. Our experts can help you determine if sinkhole insurance is right for you.
Rental Property Insurance
Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We'll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
Excess Liability Insurance
Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.
High Net Worth Insurance
People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.
Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We'll make sure you have the right coverage specially designed for the unique exposures involved.
Individual Life Insurance
You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.
Child Life Insurance
No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.
Long-Term Care Insurance
Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We'll help prepare you for the unexpected.
Medicare Supplement Insurance
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.