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
Verified official personal-lines product guidance is published on Erie and Niagara’s Personal page. For Home, the carrier’s clearly targeted business is owner-occupied homes, with standard Homeowner coverage plus an Elite Homeowner option for broader coverage subject to underwriting acceptability. They also show niche personal-property/habitational appetite for Country Homeowner (homes with limited farm exposure), Seasonal Homes (secondary residences, with best rate when the primary home or manufactured home is also written by Erie and Niagara), Manufactured Home (owner occupied), Tenant Homeowner, and Bed and Breakfast risks where the insured owner occupies and operates the property with up to 9 guest rooms and breakfast service only. Their Landlord Package appetite includes 1-4 family non-owner occupied and 3-4 family owner occupied dwellings, but only when the property is dwelling-type construction and in above-average condition. Residential Fire is positioned as a fallback market for properties that do not fit other programs, including certain owner- or tenant-occupied dwellings/mobile homes, seasonal property, vacant property, and unoccupied or for-sale properties. Practical restrictions/limitations visible on the official pages include: Elite Homeowner only if underwriting acceptable; Country Home limited to homes with limited farm exposure; Bed and Breakfast capped at 9 guest rooms and breakfast only; Landlord limited to 1-4 family non-owner occupied or 3-4 family owner occupied habitational risks in above-average condition. Geographic note: Erie and Niagara states it serves policyholders through independent agents across Upstate New York/New York State, so appetite appears regional rather than broad national. Submission/producer note: no public standalone underwriting or broker appetite manual was found, but the website confirms business is distributed through independent agents and that a Homeowners Rating, Issuance, and Service Portal is live for agents. For brokers/producers, use the official agent distribution channel and portal rather than expecting open public submission instructions on the consumer pages.