When our roof needed replacing after damage and age, of course we turned to Erie for our h/o insurance and filed a claim. We are a retired hardworking middle class couple who have literally never had a prior homeowners claim in 30 years, and now when we really need to depend on our insurance, Erie decides to give us $2,000. Total replacement value, and will only replace one of the 2 roofs on our split level home so they will be totally mismatched! We thought that was crazy and unacceptable and proceeded to dispute the claim to no avail. They stuck to their guns and we were out of pocket for almost $6,000. So what do I need them for, such a rip-off and we are totally dissatisfied with Erie. So buyer beware when purchasing insurance for your home and loved ones and don't trust Erie Insurance!