Home and auto insurance (bundled) covers your two biggest assets in one policy.

A standard home insurance policy covers your home’s structure, personal belongings, personal liability, and additional living expenses if a covered loss displaces you. The specific risks covered depend on your policy type and the coverages you select.

Home insurance is not required by law, but most mortgage lenders require you to carry a policy as a condition of your loan to protect their financial interest in the property. Homeowners who own their property outright are not legally obligated to carry coverage, though it is strongly recommended.

Your coverage amount is based on the estimated replacement cost of your home, what it would cost to rebuild it from the ground up at current labor and material prices, not its market value or purchase price. An insurance agent can help you calculate the right coverage amount based on your home’s size, construction type, and features.

A standard home insurance policy does not cover flood damage and must be purchased as a separate policy through the National Flood Insurance Program (NFIP) or a private insurer. If your home is in a designated flood zone, your mortgage lender may require you to carry flood insurance.

Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.

After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.

A standard auto policy typically includes several coverages:

• Property Damage Liability and Bodily Injury for harm you cause to others.
• Collision and Comprehensive Coverage protects your own vehicle.
  Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.

Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.

Bundling home and auto insurance means purchasing both policies from the same insurance company. Many insurers offer a discount when you do, and managing your coverage can be easier when everything is with one carrier.

Bundling home and auto insurance can save you anywhere from 5% to 15% or more on your premiums through a multi-policy discount. Savings vary by insurer and policy, so it’s a good idea to compare bundled and individual rates to see how much you could save.

Not always. While bundling often lowers your overall premium, it isn’t always the least expensive option. Some insurers may require you to carry certain policies to qualify for the bundled rate, which could mean paying for more coverage than you need. Comparing bundled and individual quotes can help you find the best value for your situation.

Yes. If you have renters insurance, you may be able to bundle that policy with your auto insurance and still qualify for a multi-policy discount, just like a homeowner could.

teenSMART is a computer-based driver safety program designed for new drivers. It teaches evidence-based driving skills proven to significantly reduce teen driver accidents. The program was developed by and is administered by ADEPT Driver, Inc.

The teenSMART discount is currently not available on ErieSecure Auto policies except in Virginia, and in the future, Indiana, Illinois, and Wisconsin once ErieSecure Auto is introduced there. The discount is planned to be added to ErieSecure Auto in other states as a future enhancement.
Please note that the quoting tile will not be available for ErieSecure Auto policies.

Completion of the teenSMART program may qualify an eligible young driver for up to a 20% discount on the premium for the vehicle to which they are assigned. The actual discount amount may vary based on several factors, including:

• The auto rating program in use (e.g., Rate Lock vs. Traditional Auto)

• Whether the driver is already receiving a Driver Training Discount (DTD)

Policyholders can enroll in the teenSMART program by:

• Visiting https://www.adeptdriver.com/erie-teensmart/

• Calling the teenSMART order line at (877) 233-7879

The standard cost of the program is $119.95. Policyholders who enroll through Erie Insurance receive a discounted rate of $69.95.

Any driver up to the age of 20 on a qualified Erie Insurance auto policy who successfully completes the teenSMART program is eligible for the discount.

IMPORTANT: Erie Insurance receives automatic notification once a driver successfully completes the teenSMART program, and the discount is applied accordingly. AGENTS CANNOT MANUALLY ADD.

When multiple youthful drivers are assigned to the same vehicle:

• The rate is based on the principal youthful operator

• If multiple part-time youthful operators exist, driving rank determines the rate, with the highest-risk driver applying

• f the principal or highest-ranked driver did not complete teenSMART, the discount will not apply.

Policyholders may:

• Visit https://www.adeptdriver.com/erie-teensmart/

• Contact teenSMART Product Support at:

• Email:

• Phone: (800) 808-5678

• Hours: Monday–Friday, 8:00 a.m.–5:00 p.m. (Pacific Time)

The YourTurn program is Erie Insurance’s rewards-based telematics program for drivers. The program uses a mobile application to track insureds’ driving and provide rewards for good driving.

The YourTurn program incentivizes safe driving behaviors among insureds by allowing them to earn rewards for exhibiting safe driving behaviors.

All policyholders in participating states who have a private passenger auto and a smartphone with the needed technical components – including a gyroscope and properly-enabled location services – are eligible to participate in the program. All drivers on the policy will be eligible to earn rewards.

Note: the YourTurn app cannot be downloaded on the following phones due to these phones’ technical limitations – Samsung Galaxy Note II, Samsung Galaxy A10e, HTC One M8, Huawei Ascend P7, Blu Life One XL, Asus Zenfone 2

• Agents can enroll Customers in the program. After Customers are enrolled, they will receive an SMS (text) message welcoming them to the program.

• The enrollment text – which includes a welcome message and link to the app in the app store – should be sent to the customer within approximately 15 minutes of registering for the program.

• In some instances, we have seen users not receive these texts due to their networks perceiving them as spam messages. In the event that a text is not received, and the phone number has been validated as correct, the user can go to the app store and download the app directly and then complete the sign up process as instructed.

The YourTurn program is designed to help insureds become better drivers by incentivizing good driving behaviors through rewards and providing advice on improving their driving habits.

No – there is no fee to participate in the program.

No – other than a smartphone, no equipment is needed and the application is provided to participants free of charge.

• Overall score is a weighted average of five sub-scores (acceleration, braking, cornering, phone distraction, and speeding), with higher risk behaviors (like distraction and speeding) weighted more heavily.

• Because score is a rolling average, only the driver’s past two weeks of behavior are accounted for in the score. The two-week window is sufficiently long to not penalize drivers too heavily for one or two bad drivers, and sufficiently short that improved driving behavior will be reflected quickly, empowering drivers.

• The sub-scores (acceleration, braking, cornering, phone distraction, and speeding) are calculated based on the volume of events with respect to the total mileage driven over the previous two weeks. Sub-scores are also calculated on a two-week rolling basis).

Rewards are based on the score a driver receives during each two-week scoring period.  A minimum of 50 miles must be driven during the period.

Virginia, Maryland and West Virginia scores between 98-100 = $7.50 for adults.

Virginia Maryland and West Virginia scores between 98-100 = $15.00 for youthful drivers.

Virginia, Maryland and West Virginia scores between 95-97 = $5.00 for adults.

Virginia Maryland and West Virginia scores between 95-97 = $10.00 for youthful drivers.

Virginia, Maryland and West Virginia scores between 90-94 = $2.50 for adults.

Virginia Maryland and West Virginia scores between 90-94 = $5.00 for youthful drivers.

Pennsylvania scores between 95-100 = $5.00 for adults.

Pennsylvania scores between 95-100 = $10.00 for youthful drivers.

Pennsylvania scores between 90-94 = $2.50 for adults.

Pennsylvania scores between 90-94 = $5.00 for youthful drivers.

New Bonus (All YourTurn States): Drivers to receive an extra $5 reward for the driver’s first tracked trip in the YourTurn app

• Drivers can cash in their rewards for their choice of over 25 different types of gift cards or Visa prepaid cards.

• Rewards can also be donated to charity.

Yes, information indicating that a driver is participating in the program will print on the declarations page. An endorsement will also be attached to the policy.

No – participating in the YourTurn program will not impact a your rate.

There are several ways Customers can get information on questions they might have about the application:

• Accessing FAQs within the Help section of the application

• Emailing our support team using the “Email Us” function within the application.

• Contacting ERIE at

Customers who no longer wish to participate in the program should inform Truslow Yost Insurance Professionals at 866-672-2323 and uninstall the application from their phone.

If a user is not the driver for a trip, they can go into the trip list and tap on the steering-wheel icon. That will give them the option to label the trip as “Passenger”. Trips that they aren’t the driver for will not count against their score.

Standby mode can also be activated in the “Settings” section of YourTurn and tells the app “Don’t record any drives during this period of time.” Users might do that if they’re traveling and all of their trips are going to be via taxi or bus or train; or if their day job is as an ambulance driver and they don’t want those trips recorded; or, even if they’re just going to be a passenger in a friend’s car.

YourTurn® from Erie Insurance and Cambridge Mobile Telematics (CMT) is a smartphone App for iOS and Android that gives feedback about your driving, helping you become a safer and better driver. CMT provides smartphone-based end-to-end telematics solutions to customers.

YourTurn gathers data from position and inertial sensors and measures driving quality based on:

• Hard acceleration

• Hard braking

• Hard cornering

• Speeding

• Phone usage while driving

YourTurn shows you the following information about your driving habits:

• Dashboard – The top of the dashboard shows your overall score computed over the last two weeks of driving. Tapping on the score shows information about how your score was calculated. The rest of the dashboard has seven panels: rewards; the latest scored trip; optional Family program; your rank on the leaderboard; trends in performance over time; streaks showing how well you have done in avoiding phone distraction, speeding and hard braking; and recent achievements.

• Trip – Shows a list of all your trips. Each trip is scored on a scale from 1 to 5.

  Selecting a particular trip takes you to a map view of the trip and summarizes important events and score for the trip. Only the most significant events from a drive are shown on the map. The map also shows any excessive speeding and significant phone distraction.

  The App also classifies your trip as “Driver” or “Not driving” (passenger or another mode of transport). If the automatic classification is incorrect, you can change it by selecting the icon located next to the mode classified by the App. By keeping your transport modes accurate, the App learns your driving habits and classifies future trips more accurately.

• Driving Tips – The App shows personalized tips to improve your driving; these tips depend on the factors that are most responsible for lowering your score.

• Achievements – Drive well and accumulate badges for achieving safety milestones!

• Leaderboard – Win bragging rights over your friends and leaderboard competitors!

• Settings – Want to use only Wi-Fi to upload sensor data for a trip? Or get notified when results are available?

Some recorded trips are suppressed by the App, if they are short or don’t involve much driving, while some may be shown but flagged as “Not driving” based on our classification algorithms. If this classification is inaccurate, you can change it by selecting the circular icon showing the mode. You can also label several trips at once with the “Edit trips” option.

Yes, YourTurn has a limited effect on your phone’s battery. The effect varies from one smartphone model to another, and the age of the phone, but battery consumption is highest when the App uses the GPS. For this reason, we use a variety of sensors to maximize battery efficiency. Note that when the phone’s battery is less than 10%, or the phone is in power-saving mode, the App will not record any data.

YourTurn collects and analyzes driving data and displays an overall driving score assessed by combining hard braking, hard acceleration, hard cornering, speeding, and phone use. YourTurn calculates your score (out of 100) over the last two weeks of drives based on:

• Driving “smoothness”: hard braking, acceleration intensity, and hard cornering. These factors are correlated with accidents.

• Speeding: Respecting the speed limit decreases the risk of an accident, helps improve road safety, and improves your Score.

• Phone use while driving: YourTurn measures phone distraction on a trip. Drivers who use their phone while driving are more likely to get into an accident because they are distracted and cannot react in time.

“Inference” is the App’s estimate of your trip between the actual starting point of your trip and the moment when the App starts recording data. The route illustrated on the map may have errors and may not reflect your actual trip. The inferred parts of your trip are not taken into account when calculating your score.

YourTurn will learn about your individual driving style over time. By taking this into account, along with contextual signals, the App is able to determine whether you were a driver or passenger.

YourTurn classifies distracted driving based on phone movement and screen activation. When the car is moving at least 9 mph (not stopped), if your screen is unlocked and on, and YourTurn determines that the phone is being handled, your Score will be negatively affected.

YourTurn calculates your score based on the last two weeks of your drives, so the scored distance and number of scored trips is just the amount driven in the past two weeks.

The app will run in the background and should automatically detect your trips. Once a trip is finished, it will be uploaded to be classified and scored. The scored trip will appear back in the app in a few minutes.

iPhone – The iPhone requires the following for the YourTurn app to run and record drives appropriately:

• Cell Data should be turned ON

• Motion Authorization should be ON

• App Location Services must be set to ‘Always’

• App Location Services Precise Location must be turned ON

• App Background Refresh must be turned ON

• The app should be left running in the background; avoid force quitting the app

• Low Power Mode must be turned OFF

Android – Android phones require the following for the YourTurn app to run and record drives appropriately:

• Cell data should be turned ON

• App Location Services must be set to ‘Always’

• App Location Services Precise Location must be set to ‘Maximum’

• App Background Restrictions must be turned OFF

• App Adaptive Power Manager must be turned OFF

• Battery Save modes must be turned OFF

You will receive permission requests from your phone’s operating system once you’ve downloaded YourTurn. You must accept these requests to use the App’s features and benefit from them. These permission requests allow us to accurately measure your driving and calculate your Score.

No, the App works in the background and will collect your data any time a drive is detected. However, make sure that your device is charged and turned on during your trips.

First, check to ensure that location services are enabled for the app and that low batter/low power mode is not active on your phone. If the app was forced to quit, it stops everything the app is doing, including trip recording, and there may be a lag in recording when it is reopened. Additionally, there may be problems with the accelerometer or gyroscope sensors in the phone – resetting the phone may resolve this. Memory issues can also cause problems with recording and may be resolved by resetting the phone.

If you ever have to change phones or reinstall the App, you simply login under Existing Users. A PIN code will be sent to the email address you provided during initial registration.

If you need to change the email address associated with the app (which is where rewards will be sent when you redeem them), you can do this by navigating to the Profile section of the app and clicking on the email that is displayed there.

There are some minor cosmetic differences within the User Interface & Design of YourTurn between Android and iOS; however, the App retains full functionality and runs largely the same across both operating systems.

Standby mode is activated in the “Settings” section of the app and tells the app to not record any drives during this period. This can be used in the event that someone would like to pause app recording.

YourTurn records:

• GPS and location data

• Accelerometer data

• Gyroscope data

• Phone movement and screen activation data

• Time and date

• App usage

• Battery level

Respecting your privacy is an important part of our commitment to providing an excellent service and product. Your personal information and individually collected data will be available to both Erie and CMT, and will only be shared with third parties in accordance with the Erie Insurance Group Online Privacy Policy and Privacy Notice.