Erie Insurance

Keller-Brown is an independent insurance agency representing several top-rated insurance companies. We are proud to work with Erie Insurance (ERIE) to provide a variety of insurance options to our Maryland and Pennsylvania clients.

Since opening in 1925, this regional insurer's founding purpose has been “to provide our policyholders with as near perfect protection, as near perfect service as is humanly possible and to do so at the lowest possible cost.”

Over the last near-100 years, ERIE’s business mission has stood the test of time: “At The ERIE, we adhere to disciplined underwriting, fair pricing, and a prudent investment philosophy. These factors have contributed to our ability to earn consistently superior ratings in the insurance industry.”

ERIE holds an A+ rating from A.M. Best, the largest company devoted to rating insurers’ financial strength. In 2021, Newsweek named ERIE one of “America’s Best Customer Service Companies” for 2022.

Their commitment to customer service (more than 90 percent of ERIE’s customers stay with them year after year) and financial stability assure us that they will be there when you need them most.

ERIE Life Insurance in Pennsylvania and Maryland

If you have people who depend on you, you need ERIE life insurance. And the good news is ERIE makes life insurance affordable.

As our friends at ERIE point out, it costs $245,000 to raise a child. The average cost of a modest funeral is $9,000. And it can cost only $14.24 per month for $250,000 in life insurance.

ERIE life insurance comes in four different offerings:

Term Life is for Pennsylvania and Maryland residents who need cost-effective protection to provide for loved ones after their death. You can select from 10- to 30-year plans.
Whole Life is for people who need a permanent life insurance solution that is fully guaranteed. You are protected with premiums and coverage that are guaranteed to remain the same for your lifetime.
Universal Life is a good choice if you need college savings, estate planning, business planning, and additional retirement planning.
Unique to ERIE life insurance is ERIExpress Life. This is an easy-to-get, easy-to-afford life insurance with coverage up to $500,000. With a simple application process, no physical medical exam, and faster approval time, this is a great option for Pennsylvania and Maryland residents. In fact, this ERIE Life Insurance coverage can be effective the same day you apply.
You will have a choice of term or whole life policy, with coverage amounts ranging from $10,000 to $500,000. With this coverage, you can choose from a range of plans to fit your budget and provide the protection your family needs.

Keller-Brown Insurance Services will take into account your current and future needs to provide trusted guidance.

ERIE Car Insurance in Maryland and Pennsylvania

One of the reasons we like ERIE car insurance is because it fits the way our clients in Maryland and Pennsylvania like to live. For example, do you have a furry friend you love to take on car rides? ERIE’s car insurance plans include options like pet coverage, which means if your pet gets hurt in an accident while riding in your car, vet treatment costs will be covered up to $500 per pet; total limit $1,000.

If you choose comprehensive coverage and accidentally lock your keys in your car, your ERIE car insurance will cover the locksmith costs up to $75. ERIE’s physical damage coverage means if you have a loss of clothing, luggage, or personal belongings, you’re covered up to $350.

Auto glass repair and roadside assistance are two more popular options offered by ERIE car insurance. In addition to insuring your car with ERIE, you can purchase coverage for motorcycles, snowmobiles, RVs, and ATVs.

ERIE Home Insurance in Maryland and Pennsylvania

When it comes to ERIE home insurance, the company’s Guaranteed Replacement Cost coverage provides peace of mind that you can count on. As ERIE points out, replacement cost coverage is important because many homeowners don’t realize that actual cash value policies subtract for wear and tear and depreciation.

With their Guaranteed Replacement Cost coverage, you’re covered—even if you need to rebuild your entire home. The company says, “Guaranteed replacement cost will pay for the full cost of rebuilding your house back to its previous size and specifications—right down to the granite countertops, custom bookshelves, and gleaming hardwood floors that you so love.”

ERIE home insurance protects your home inside and out. The company’s personal property coverage protects items inside your home from damage, theft, and loss. ERIE’s structure coverage protects your home’s exterior from the weather, fire, and other sources of damage.

The company provides a range of coverages to choose from when it comes to insuring your home. Among the most popular coverages are those that pay for additional living expenses if you have to live somewhere else while your home is repaired.

Service line protection provides coverage for damage to underground service and utility vehicles from your house to the curb. This can be a big money saver because exterior underground service and utility lines on your property are often your responsibility, and breaks in a line or accidents during digging can happen. If you need to repair or replace physically damaged lines or pipes, the cost can be substantial.

You can even opt for gift card and gift certificate reimbursement coverage through ERIE home insurance. This coverage includes reimbursement for gift cards purchased at a local business that has permanently closed. Typically, insurers do not cover that at all, or if they do, coverage is restricted.

Coverage for hard-to-replace items like bills, deeds, and passports is offered too, with significantly higher dollar limits than other insurance companies.

ERIE home insurance offers protection away from home in the form of personal liability that protects you anywhere in the world if you hurt someone or damage someone’s property.

Multi-policy discounts from 16 percent to 25 percent, depending on your state, are available when you insure your auto and home with ERIE insurance.

ERIE Business Insurance in Pennsylvania and Maryland

ERIE’s business insurance offers custom solutions based on your needs. From craft breweries in Philadelphia to clothing boutiques in Baltimore and everything in between, ERIE’s insurance products can protect your business.

When you choose ERIE, you have access to risk control tools and services to help you identify and reduce common business challenges. Should you need to file a claim, reimbursements for smaller claims can happen in as little as 48 hours.

The businesses that ERIE covers include:

Auto services
Breweries, wineries, and distilleries
Contractors, landlords, and property owners
Manufacturers
Office and professional services
Religious organizations
Restaurants
Retailers
Technology companies
Veterinarians/pet care
Wholesaler-distributors

ERIE offers business auto insurance, commercial property insurance, business umbrella insurance, crime, theft and fraud insurance, workers’ compensation, commercial and contract bonds, key person life insurance and business continuation, group life insurance, business data breach coverage, and employment practices liability insurance.

Depending on your industry, your business insurance coverage can include:

Hired & Non-owned Auto Liability - Covers liability arising from autos you lease, hire, or borrow employee autos being used in connection with your business.
Sewer or Drain Backup - Covers a loss caused by water or sewage that backs up through sewers or drains or overflows through a sump pump.
Data Breach Response Expenses - To notify and assist affected individuals and provide various case management services.
Ordinance or Law - Covers increased costs of complying with building codes that regulate construction and repair of damaged buildings after a covered loss.
Employee Theft - Protects you against employee theft, which can be hard to detect.
Earthquake - Covers a loss caused by an earthquake.

Whether you’re looking for ERIE car insurance, ERIE home insurance, ERIE life insurance, or ERIE business insurance at Keller-Brown, we’ve got you covered.

Do you have questions about Insurance?

Contact an Insurance Agent at Keller-Brown Insurance Services today to answer any insurance questions or for a free review and insurance quote. As an independent insurance agency serving Pennsylvania and Maryland, we represent several top rated insurance companies. We have the flexibility to find you the right coverage at competitive premiums for business, home, auto and more.