How Much Does Umbrella Insurance Cost in Erie, PA?
Erie pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Erie's diversified economy.See our methodology
Umbrella Insurance Pricing in Erie, PA
Erie is one of the more affordable markets for umbrella insurance, with costs running about 18% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 95K-population metro area is straightforward.
Local climate plays a direct role in umbrella insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Erie: established contractor market with competitive pricing.
Erie has moderate permitting requirements. Depending on the scope of your umbrella insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Erie vs National Average
What Affects Umbrella Insurance Cost in Erie?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
Erie Market Conditions
established contractor market with competitive pricing
Local Climate Impact
cold winters and mild summers create seasonal pricing patterns for outdoor work
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Tips to Save on Umbrella Insurance in Erie
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Erie Cost Trends (2020–2024)
Prices have increased +23.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $17 | — |
| 2021 | $18 | +5.9% |
| 2022 | $19 | +5.6% |
| 2023 | $20 | +5.3% |
| 2024 | $21 | +5.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in Erie
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Why does umbrella insurance cost different in Erie than other cities?
Erie's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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