Erie and Niagara Insurance Association
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Officially published guidance remains product-focused rather than a formal public appetite guide. For Home, Erie and Niagara’s personal lines platform is centered on New York property business distributed through independent agents, with the company describing itself as serving policyholders across Upstate New York and offering niche products for “your piece of New York.” Preferred/published home business includes owner-occupied homes, higher-coverage Elite Homeowner placements subject to underwriting acceptability, Country Homeowner risks with limited farm exposure, owner-occupied manufactured homes, seasonal/secondary homes, tenant/home renters coverage, owner-occupied and operated bed-and-breakfast risks with breakfast service only and up to 9 guest rooms, and landlord package risks for 1–4 family non-owner-occupied or 3–4 family owner-occupied dwellings in above-average condition and of dwelling-type construction. The Residential Fire program appears to function as a broader-market outlet for otherwise ineligible dwellings, including certain owner- or tenant-occupied dwellings/mobile homes, seasonal property, vacant property, and unoccupied or for-sale properties. Geographic notes: the carrier publicly emphasizes Upstate New York distribution and New York regional focus; no broader state footprint or out-of-state appetite was verified on the official pages. Restricted/declined classes are not published in a detailed public do-not-write list, but the stated eligibility language implies limitations on non-owner risks outside the described landlord forms, farm exposures beyond the “limited farm exposure” country-home niche, bed-and-breakfast operations exceeding 9 guest rooms or offering more than breakfast service, and landlord properties not in above-average condition or not of dwelling-type construction. Submission/producer notes: business is placed through independent agents; the site highlights over 350 agents across Upstate New York and states that a Homeowners Rating, Issuance, and Service Portal is live via the New Agent Portal. Public-facing material does not provide a detailed submission checklist, valuation standard, inspection rule set, or producer underwriting memo, but it does confirm optional homeowner endorsements such as Equipment Breakdown, Underground Utility Line, Identity Fraud, Scheduled Personal Property, Earthquake, and replacement-cost related options, plus automatic inflation protection on homeowner business. Overall, the current verified public guidance supports a regional New York/Upstate New York personal property writer with strongest fit for standard owner-occupied homes and adjacent niche residential occupancies, while more specialized or distressed property exposures appear to be handled, if at all, through specific forms like Residential Fire and subject to underwriting review.