6 Reasons Why Water Heaters Fail 8 Apr 2025, 4:00 am

It’s no fun going without hot water. That’s especially true when the seasons change and temperatures take a dip.

But like nearly every otherappliance in your house, water heaters fail. And that can lead to cold showers — or even worse, a water leak.

Here are 6 telltale signs you have a failing water heater:

1. You only have cold water.
2. Your water gets warm, but never hot.
3. Your water heater makes a rumbling noise.
4. Your hot water is rusty, muddy or discolored.
5. Your water has a metallic smell or taste.
6. Water is leaking around your water heater.

If any of these symptoms sound familiar… it’s probably time to call a plumber. Wondering why your water heater is failing? Here are some of the reasons – and what you can do help prevent a failure:

1. Internal rust: Sacrificial anodes are highly active metal rods that help prevent your water heater from corroding. Anode rods are consumed in the place of the metal they protect – hence the name “sacrificial.” Over time, they need to be replaced.
   The fix: They typically last several years, but it’s a good idea to check your anode rods every year – or bring in a professional to take a look. If they look worn down, it’s time to replace them.
   Related: Can you guess the life expectancy of these 5 major appliances?
2. Sediment buildup: When water is heated, mineral deposits separate and settle onto the bottom of your water heater tank. Sediment builds up over time, reducing your water heater efficiency and eventually causing damage. This is especially an issue if you have hard water.
   The fix: Flush your water heater at least once a year.
3. High water pressure: Water pressure that’s too high can damage your water heater, as well as your pipes and other appliances. If you notice water leaking from the overflow pipe on the side of your water heater, you may have an issue with excessive pressure.
   The fix: Keep the water pressure on your heater no higher than 80 psi, and consider replacing your temperature and pressure (T&P) relief valve.
4. Corrosive fumes: In order for combustion to occur, water heaters need to draw in air. Problems can occur if the air quality is poor. Especially dangerous is corrosive air, which can corrode your tank and lead to water heater failure.
   The fix: Keep corrosive substances like ammonia and bleach far away from your water heater.
5. Wrong size heater: Water heaters come in a variety of sizes to accommodate the water usage of all the people and appliances in your home. If you buy a water heater that’s too small for your needs, it will need to work more than it should – and that can lead it to breakdown from overuse.
   The fix: Talk with a plumber or appliance expert to make sure you buy a water heater that’s the right size for your household.
6. Old age: Water heaters typically last about 8 to 12 years. Any longer than that, and you’re probably on borrowed time. If you’re having issues with rust, a bad heating element or a pilot light that won’t stay lit… old age may be the problem.
   The fix: If your water heater is at the end of its life span, consider proactively replacing it with a newer, more energy-efficient model.

Types of hot water heaters

If you’re replacing a water heater, you’ll quickly learn that they come in all different shapes and sizes. There are plenty of choices, so research the option that’s right for you.

Gas water heaters use natural gas to heat the water you need quickly, while electric water heaters use electric coils. Tankless heaters can be electric or gas, but instead of heating an entire tank, they heat water on demand.

Homeowners insurance that goes the distance for major appliances

It’s also important to do your research when it comes to homeowners insurance. Basic homeowners insurance usually doesn’t cover equipment breakdown for major appliances and home systems like hot water heaters, HVAC systems or refrigerators and ranges.

Good news: With Equipment Breakdown Coverage from ERIE, you can get an extra cushion of protection for major appliances and home systems right in your homeowners policy with ErieSecure Home® and the Select bundle, when you also have Sewer and Drain Backup Coverage.*

Want to find out more? Talk to a local ERIE agent in your neighborhood and get a free homeowners insurance quote.

*Coverage is not available if the Select bundle does not include sewer and drain backup. Coverage is capped at $50,000 per occurrence and the policy deductible applies.  Claims are subject to ERIE’s surcharge program. Details are contained in the policy. Subject to terms, conditions and exclusions. Not available in all states. Talk to an ERIE Agent for policy details and state-specific policy information and refer to our disclaimer for additional information.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of the article’s publish date and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post 6 Reasons Why Water Heaters Fail appeared first on Horwath & Druck Insurance LLC.

6 Reasons Why Water Heaters Fail 8 Apr 2025, 4:00 am

It’s no fun going without hot water. That’s especially true when the seasons change and temperatures take a dip.

But like nearly every otherappliance in your house, water heaters fail. And that can lead to cold showers — or even worse, a water leak.

Here are 6 telltale signs you have a failing water heater:

1. You only have cold water.
2. Your water gets warm, but never hot.
3. Your water heater makes a rumbling noise.
4. Your hot water is rusty, muddy or discolored.
5. Your water has a metallic smell or taste.
6. Water is leaking around your water heater.

If any of these symptoms sound familiar… it’s probably time to call a plumber. Wondering why your water heater is failing? Here are some of the reasons – and what you can do help prevent a failure:

1. Internal rust: Sacrificial anodes are highly active metal rods that help prevent your water heater from corroding. Anode rods are consumed in the place of the metal they protect – hence the name “sacrificial.” Over time, they need to be replaced.
   The fix: They typically last several years, but it’s a good idea to check your anode rods every year – or bring in a professional to take a look. If they look worn down, it’s time to replace them.
   Related: Can you guess the life expectancy of these 5 major appliances?
2. Sediment buildup: When water is heated, mineral deposits separate and settle onto the bottom of your water heater tank. Sediment builds up over time, reducing your water heater efficiency and eventually causing damage. This is especially an issue if you have hard water.
   The fix: Flush your water heater at least once a year.
3. High water pressure: Water pressure that’s too high can damage your water heater, as well as your pipes and other appliances. If you notice water leaking from the overflow pipe on the side of your water heater, you may have an issue with excessive pressure.
   The fix: Keep the water pressure on your heater no higher than 80 psi, and consider replacing your temperature and pressure (T&P) relief valve.
4. Corrosive fumes: In order for combustion to occur, water heaters need to draw in air. Problems can occur if the air quality is poor. Especially dangerous is corrosive air, which can corrode your tank and lead to water heater failure.
   The fix: Keep corrosive substances like ammonia and bleach far away from your water heater.
5. Wrong size heater: Water heaters come in a variety of sizes to accommodate the water usage of all the people and appliances in your home. If you buy a water heater that’s too small for your needs, it will need to work more than it should – and that can lead it to breakdown from overuse.
   The fix: Talk with a plumber or appliance expert to make sure you buy a water heater that’s the right size for your household.
6. Old age: Water heaters typically last about 8 to 12 years. Any longer than that, and you’re probably on borrowed time. If you’re having issues with rust, a bad heating element or a pilot light that won’t stay lit… old age may be the problem.
   The fix: If your water heater is at the end of its life span, consider proactively replacing it with a newer, more energy-efficient model.

Types of hot water heaters

If you’re replacing a water heater, you’ll quickly learn that they come in all different shapes and sizes. There are plenty of choices, so research the option that’s right for you.

Gas water heaters use natural gas to heat the water you need quickly, while electric water heaters use electric coils. Tankless heaters can be electric or gas, but instead of heating an entire tank, they heat water on demand.

Homeowners insurance that goes the distance for major appliances

It’s also important to do your research when it comes to homeowners insurance. Basic homeowners insurance usually doesn’t cover equipment breakdown for major appliances and home systems like hot water heaters, HVAC systems or refrigerators and ranges.

Good news: With Equipment Breakdown Coverage from ERIE, you can get an extra cushion of protection for major appliances and home systems right in your homeowners policy with ErieSecure Home® and the Select bundle, when you also have Sewer and Drain Backup Coverage.*

Want to find out more? Talk to a local ERIE agent in your neighborhood and get a free homeowners insurance quote.

*Coverage is not available if the Select bundle does not include sewer and drain backup. Coverage is capped at $50,000 per occurrence and the policy deductible applies.  Claims are subject to ERIE’s surcharge program. Details are contained in the policy. Subject to terms, conditions and exclusions. Not available in all states. Talk to an ERIE Agent for policy details and state-specific policy information and refer to our disclaimer for additional information.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of the article’s publish date and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post 6 Reasons Why Water Heaters Fail appeared first on Horwath & Druck Insurance LLC.

The Beginner’s Guide to Short-Term Rentals 7 Apr 2025, 4:00 am

From a stylish urban loft to a cozy country cottage… booking a short-term stay is a hot trend (and a great way to travel like a local.)

Maybe you’ve considered becoming a host yourself. If so, you’ve probably wondered: Is it safe? Can I actually make money doing this? What amenities should I offer my guests?

Good news: You’re asking all the right questions.

Whether you’re looking to rent out your entire home, a guest house or a single bedroom, it pays to do some research first. From vacation rental sites like Airbnb and VRBO® to home-sharing sites like Couchsurfing – even old-fashioned weekly and monthly rentals! – there’s no shortage of options.

Keep reading to find out what great hosts know – and what you should know about your homeowners insurance if you’ll be hosting short-term rental guests.

3 Essential Tips for First-Time Hosts

As a host, a little preparation goes a long way. Before you list your property online, think through these three topics: 

• Pricing: To determine the rate you’ll charge for your rental, start by doing some research. Use sites like Airbnb and VRBO® to find comparable listings in your area to determine a competitive price point.
• Marketing: A picture says a thousand words. When developing your listing, be sure to take photos that show your home in a positive light. Then, write a detailed listing description with all the reasons why your home is a great place to stay. Pro tip: Be descriptive, but don’t oversell it. Travelers value honesty and transparency, and exaggerations won’t do you any favors when it comes time for your guests to leave you a review.
• Hospitality:  Keep your home stocked with convenience items like shampoo and face wash in the bathroom, or pantry staples and a few fresh groceries in the kitchen. Make sure your space is free of clutter and give your guests a place where they can relax and feel at home.

How does insurance work for short-term rentals?

This can get tricky. Let’s explain.

Your listing site’s insurance

If you want to host short-term rental guests, do your research on what your online listing site does (and doesn’t) cover. For example, not every listing site offers liability coverage for hosts. Make time to talk to an insurance professional like an Erie Insurance agent to understand how you can customize your own insurance policy to bridge the gap.

Your own insurance policy

Here’s the good news: With ERIE, you have options to customize your existing coverage for home sharing, depending on what you’re renting, and for how long. 

• To rent out your primary home: If you want to rent out your own residence—whether it’s your whole home or just a spare bedroom—ask about adding the new home sharing endorsement* to your ErieSecure homeowners policy. (More detail on that below.)
• To rent out a rental property: If you own a property exclusively used for renters or tenants (like an apartment building or cottage), an ErieSecure Rental policy has built-in coverage for home sharing. You’re covered to host short-term tenants, as long your place is listed on a reputable website that offers liability coverage equal up to $1 million or greater for bodily injury to or property damages of guests.  

Why should I add the home sharing endorsement to my homeowners insurance?

The home sharing endorsement* from Erie Insurance is designed with short-term rentals in mind. You’ll want to consider it if you’re opening up your primary residence (your own home) to short-term tenants for fewer than 180 consecutive days per year.

This endorsement offers additional protection that would apply if something were to happen to a renter or their belongings while renting all or part of your home – for example, if a burst pipe in your home causes water damage to a traveler’s expensive DSLR camera, or your renter is injured by falling down a flight of stairs.

Here’s a little more about how it works: 

• Extra protection: Coverage is provided up to the liability limit for certain coverages on your homeowners policy, which typically ranges from $100,000 to $1 million.
• Right-sized for any rental: The coverage kicks in whether you’re renting out your whole home or just a spare room.
• Affordable: The average cost to add this to your ERIE policy could be as low as $40 to $60 per year. (Because coverage, limits and costs can vary, check with an ERIE agent for details.)
• A company you trust: Customers have been putting their faith in ERIE to protect what matters most to them since 1925. (Find out more about what makes ERIE different.)

Request a Quote

For many people, their home is their most valuable asset. Our job is to help them protect it. If you’re ready to be a superhost, request a quote from an Erie Insurance agent to find the best insurance options for you.

ERIE’s Home Sharing Coverage is available with an ErieSecure Home®, ErieSecure Condo® or ErieSecure Tenant® policy. It is not available in North Carolina and Virginia. See the policy for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for additional information.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post The Beginner’s Guide to Short-Term Rentals appeared first on Horwath & Druck Insurance LLC.

Are We Getting Enough Sleep to Safely Drive? 3 Apr 2025, 4:00 am

Sleep-deprived drivers are turning America’s roadways into danger zones with potentially costly consequences.

That’s according to the findings of a new survey sponsored by Erie Insurance examining drivers’ sleeping and driving habits.

The survey found that a majority of Americans are sleeping fewer than seven hours per night, the minimum nightly amount recommended by the Center for Disease Control. A lack of sleep can affect one’s ability to focus, think clearly and react quickly, all necessary functions for driving effectively.

The infographic below details some additional survey findings. 

About the survey:

This survey was conducted online by Falls & Co. on behalf of Erie Insurance from Feb 21 through Feb 24, 2025, among a nationally representative sample of 1,000 U.S. residents ages 18 and older who self-reported they held a current driver's license. Falls established the sampling quotas, designed the questionnaire, tabulated the survey responses, and managed the overall project. Falls used SightX (New York, N.Y.) to administer the survey via the internet, including mobile devices to U.S. panels who met the key demographic criteria. Our results are statistically weighted for age and U.S. Region to align the sample distribution with U.S. population characteristics per 2023 ACS 1-year estimates from the U.S. Census Bureau and 2022 estimates from the USDA Economic Research Service. This technique was used to mitigate the effects of oversampling that can occur when using online survey panels.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post Are We Getting Enough Sleep to Safely Drive? appeared first on Horwath & Druck Insurance LLC.

6 Things NOT to Say During a Job Interview 2 Apr 2025, 4:00 am

Whether you’re right in the thick of it with job interviews or you’re prepping for a future career change, knowing what to say — and more importantly, what NOT to say — during an interview can sometimes make or break your chances. So, to help avoid any awkward moments while also impressing your interviewer, review these six instant-red-flag-phrases for hiring managers and make note of some better ways to rephrase.

1. “I don’t know much about your company.”

Why: Hello, red flag #1. This shows that you didn’t come prepared, and even worse, don’t seem very interested in their company.

Instead: “I’ve researched your company and I’m excited about [insert specific detail].”

2. “My last boss was terrible.”

Why: Please, just don’t. Never bash a former boss (even if you think it’s true) to a potential future one, or it’s likely they won’t provide you the opportunity to work for them.

Instead: “I learned a lot in my last job, but I’m excited for a new challenge and positive, growth-oriented work environment.”

3. “I just need a job.”

Why: While this may be true, it makes you sound desperate instead of genuinely interested in working for their company.

Instead: “I’m excited about this role because it aligns with my skills and goals, especially [insert example of a strength or goal].”

4. “I don’t have any weaknesses.”

Why: Ok, even Superman had kryptonite. Saying you have no weaknesses might come off arrogant and like you lack self-awareness.

Instead: “One area I’m working on improving is [insert a real yet manageable weakness].”

5. “What’s the salary?” (Too early in the interview process.)

Why: This can be a delicate one. Asking too soon could leave you sounding like you’re more worried about the money than the job or any future opportunities.

Instead: “I’m open to discussing compensation based on the role’s responsibilities.”

6: “No, I don’t have any questions.”

Why: Missed opportunity! Give yourself every chance to learn more and show them you came prepared with thoughtful questions. Plus, not asking questions could come off like you’re not that interested.

Instead: “What would success look like after 6 months in this role?”

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post 6 Things NOT to Say During a Job Interview appeared first on Horwath & Druck Insurance LLC.

6 Things NOT to Say During a Job Interview 2 Apr 2025, 4:00 am

Whether you’re right in the thick of it with job interviews or you’re prepping for a future career change, knowing what to say — and more importantly, what NOT to say — during an interview can sometimes make or break your chances. So, to help avoid any awkward moments while also impressing your interviewer, review these six instant-red-flag-phrases for hiring managers and make note of some better ways to rephrase.

1. “I don’t know much about your company.”

Why: Hello, red flag #1. This shows that you didn’t come prepared, and even worse, don’t seem very interested in their company.

Instead: “I’ve researched your company and I’m excited about [insert specific detail].”

2. “My last boss was terrible.”

Why: Please, just don’t. Never bash a former boss (even if you think it’s true) to a potential future one, or it’s likely they won’t provide you the opportunity to work for them.

Instead: “I learned a lot in my last job, but I’m excited for a new challenge and positive, growth-oriented work environment.”

3. “I just need a job.”

Why: While this may be true, it makes you sound desperate instead of genuinely interested in working for their company.

Instead: “I’m excited about this role because it aligns with my skills and goals, especially [insert example of a strength or goal].”

4. “I don’t have any weaknesses.”

Why: Ok, even Superman had kryptonite. Saying you have no weaknesses might come off arrogant and like you lack self-awareness.

Instead: “One area I’m working on improving is [insert a real yet manageable weakness].”

5. “What’s the salary?” (Too early in the interview process.)

Why: This can be a delicate one. Asking too soon could leave you sounding like you’re more worried about the money than the job or any future opportunities.

Instead: “I’m open to discussing compensation based on the role’s responsibilities.”

6: “No, I don’t have any questions.”

Why: Missed opportunity! Give yourself every chance to learn more and show them you came prepared with thoughtful questions. Plus, not asking questions could come off like you’re not that interested.

Instead: “What would success look like after 6 months in this role?”

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post 6 Things NOT to Say During a Job Interview appeared first on Horwath & Druck Insurance LLC.

Home Siding: Pros and Cons of 5 Popular Types 28 Mar 2025, 4:00 am

Switching up your home’s exterior siding is a bold statement… and a big decision. When starting your research, a few factors to consider are curb appeal, maintenance, weather conditions, durability and – of course – your budget.

Here’s the good news: According to Remodeling Magazine, homeowners recoup 80% of the cost of new siding when they go to sell their home.

Here’s what to know about exterior siding options and how to make the right decision.

Switching up your home’s exterior siding is a bold statement… and a big decision. When starting your research, a few factors to consider are curb appeal, maintenance, weather conditions, durability and – of course – your budget.

Here’s the good news: According to Remodeling Magazine, homeowners recoup 80% of the cost of new siding when they go to sell their home.

Here’s what to know about exterior siding options and how to make the right decision.

What siding is best for your house?

Drive around and see what homes you like – and, more importantly, don’t like. Note the siding types and color combinations. Take a look at your roof, shutters and home accents to see what will complement the features of your home.

You want your home to fit into the streetscape without duplicating your immediate neighbors’ selections.

Also, be sure to check if your neighborhood has any restrictions before deciding. Some communities or homeowner’s associations will regulate the siding colors and building materials, so it is important to find out if there are any limitations before you start shopping.

What are the different types of siding?

These days, you have lots of options. Here are 5 popular choices:

Vinyl House Siding

The most widely used material on home exteriors is vinyl. That’s for good reason: Vinyl siding is durable, and it’s typically under warranty for 30-40 years after installation. Available in an insulated version, vinyl siding has the potential to raise your home’s energy efficiency and help you cut down on heating and cooling costs.

Vinyl is easy to maintain, requiring only annual cleaning with a hose or power washer. And color options are almost limitless. Panels generally come with the color infused with the vinyl itself so it cannot flake or chip off.

One downside to consider: Vinyl has been known to warp in extreme heat.

Fiber Cement Siding

Fiber cement is a popular composite siding option. Made from a combination of substances such as wood fiber, sand, clay and cement, this material is designed to mimic just about any other siding material. Fiber cement siding can look like wood lap siding boards, cedar shingles

and wood shake. Fiber cement is known for its longevity, typically a 30-50-year lifespan. Like vinyl, it is available in virtually unlimited color options.

One downside to fiber cement is it will require regular painting and caulking to maintain its appearance. Plus, due to its weight, installation can be a little trickier and require special training.

Natural Wood Siding

If you’re considering natural wood siding, you have several to choose from. Popular woods include cypress, pine, spruce and cedar. In addition, wood offers a variety of styles such as lap, shingle, shake, tongue and groove, board and batten and bevel.

Wood siding requires painting or staining, offering a unique streetscape option. This biodegradable option makes it an environmentally friendly choice to consider. If maintained, it can last for decades.

A note of caution with this choice: Wood can be susceptible to insects and damage from weather elements.

Engineered Wood Siding

Made of wood fibers and exterior-grade resins, engineered wood siding is a less expensive alternative to real wood siding. Built to mimic the look and feel of natural wood siding, it offers less maintenance hassle and more resistance to insects. Plus, it comes already primed or painted in a wide range of colors. The resin surface means that it doesn’t peel or chip as quickly as real wood, although it can crack and fade over time.

Metal House Siding

Available in steel, aluminum, copper and zinc, metal is a more expensive siding option that has a lot of benefits. Metal siding cannot mold or rot, unlike other siding with the potential for water damage. Known for its low maintenance, the no fading of color with steel siding puts it at an advantage over vinyl and fiber cement.

Metal is relatively eco-friendly, since each panel is precisely cut with little waste material. Plus, insects cannot find a home in metal siding, while other siding types may require periodic spraying of insecticide. Like all metal, this siding can dent.

How much does it cost to side a house?

Siding pricing depends on the material you choose.

Vinyl siding is typically considerably less expensive than other siding options. Depending on quality, vinyl pricing ranges from $2 to $7 per square foot installed. You should plan to budget $4 to $6 per square foot installed.

Regardless of the material you chose, houses with bump outs, trim, extensions or complicated corners will increase installation costs. If you plan to remove and dispose of your current siding, that typically costs extra too. Geographic location will also impact your cost: Labor varies by region, so be sure to get several quotes before you commit.

How to get the right insurance coverage for your siding

Home renovations can be fun – when they’re on your terms. If you have damage from something like a storm, you may face unplanned home repair projects. No one wants the stress of wondering: Is this covered under my homeowners policy?

When it comes to being helpful, that’s where we shine. With ERIE, every policy comes with your own local, independent insurance agent. By getting to know you, your agent can help you customize your policy for that perfect fit – and help you understand what it covers in case the unexpected happens.

Learn more about homeowners insurance or find a local agent to get the conversation started.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post Home Siding: Pros and Cons of 5 Popular Types appeared first on Horwath & Druck Insurance LLC.

7 Spring Cleaning Tips for Your Career 20 Mar 2025, 4:00 am

Spring isn’t just about decluttering your home, it’s also the perfect time to think about refreshing your career. Does your current role align with your career aspirations? If it feels like you’ve gotten a little off course, here are seven quick and easy ways to help tidy up your professional life and set yourself up for success.

1. Update Your Resume and LinkedIn Profile

Give your resume and LinkedIn a makeover (psst: don’t forget to follow us on LinkedIn for updates on careers at ERIE) by adding new skills, achievements and experiences. Remove outdated information and optimize your profile to reflect your current career goals.

Pro Tip: Though the exact numbers vary, it’s estimated that over 80% of employers now use some form of AI during the resume screening phase. And since AI relies on keywords, it's vital to carefully tailor your resume to match each different role and associated job description you’re applying to — gone are the days of having just one version of your resume.

2. Declutter Your Inbox and Digital Files

Unsubscribe from unnecessary emails, organize important documents and delete old files you no longer need. A streamlined digital workspace can boost productivity (and help protect your sanity).

3. Network With Purpose

Spring is a great time to reconnect with former colleagues, mentors or industry contacts. To strengthen your professional relationships, you might also want to attend networking events, schedule coffee chats or join LinkedIn groups related to your field. Networking isn’t just about job hunting, it’s about learning, growing and opening new doors.

Pro tip: You might also consider soliciting the help of a professional coach or mentor. Unsure which one might be most impactful at this point in your career? Check out our Coach vs. Mentor blog to learn the main differences and benefits of each.

4. Learn a New Skill

The job market is always evolving and staying competitive means keeping your skills sharp. Identify gaps in your expertise and take an online course, attend a workshop or read industry-relevant books to stay competitive in your field. Learning something new might even reignite your passion for your work and present you with fresh opportunities.

5. Set Career Goals for the Year

Take a moment to assess your professional growth and reflect on your progress. Are you on the right path or could it be time for a career move? Set clear and actionable goals for where you want to be in a year. Break them into smaller steps to track your growth effectively.

Pro tip: Make sure your goals are SMART (specific, measurable, achievable, relevant and time-bound).

6. Tidy Up Your Work-Life Balance

Are you overworking yourself? Reevaluate your schedule and set boundaries to avoid burnout. Make time for breaks, hobbies and self-care. A well-balanced professional life leads to greater productivity and happiness.

7. Declutter Your Mindset

Negative self-talk and outdated beliefs can hold you back. Let go of imposter syndrome, embrace a growth mindset and start believing in your abilities. A positive outlook can help you navigate challenges and seize new opportunities with confidence.

Springtime is all about renewal, and your career deserves a fresh start, too. By applying these spring cleaning strategies to your career, you can set yourself up for greater success and satisfaction, stay motivated and be prepared for new opportunities when they arise, like all the exciting career opportunities available at ERIE!

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post 7 Spring Cleaning Tips for Your Career appeared first on Horwath & Druck Insurance LLC.

Does Auto Insurance Cover Vandalism? 20 Mar 2025, 4:00 am

When most people think about auto insurance, they often consider how it protects their car in the event of an accident. But what if you discover that someone’s destroyed your vehicle with their own two hands?

Unlike a car crash, vandalism is no accident — it’s an intentional act. The goal could have been to steal something from your back seat. Or maybe it was just to wreak havoc. In either case, vandalism can quickly put your car out of commission.

Unfortunately, in most vandalism cases the culprit usually gets away. But that doesn’t mean you’re left helpless after someone defaces your car.

What Does Vandalism Look Like?

Like any other time your vehicle is damaged, assessing the situation is a good first step. A broken window doesn’t necessarily mean that someone took a crowbar to the glass. You’ll find there are subtle (and not-so-subtle) differences between collateral and criminal damage.

If you’re unsure what caused the wreckage, here are some tell-tale signs of vandalism:

• Eggs thrown at the car
• Keyed or scratched paint
• Broken windows or mirrors
• Spray paint
• Busted headlights
• Snapped antennas
• Broken windows
• Slashed tires

If you encounter any of these warning signs, you’re likely a victim of vandalism.

How Do You Prevent Vandalism?

Vandalism could be a random act of mischief. But it usually involves a bit of strategy on the criminal’s part. As unpredictable as the crimes are, you can take steps to deter vandals or prevent them from doing further harm.

These methods have been proven to help prevent your car from being targeted:

• Keep it in the garage. Park your car in a garage if possible. Most criminals target easily accessible cars, so an extra barrier between your vehicle will act as a deterrent. This advice applies at home, and for public parking garages.
• Park in the light. If your car is more visible, so is the person vandalizing it. If you can’t park in a garage, try to leave your car in a well-lit, open area. If parking outside at home, you may want to consider adding a motion-sensor light near your driveway. The lights will put the criminal in plain sight and make them less inclined to stick around.
• Install an alarm. Consider an alarm system to send the culprit running. They won’t stay long once the horns start blaring. In fact, even the thought of an alarm going off may even be enough to scare someone away. Fake criminals out with a blinking light or security sticker if a new system isn’t in your budget.
• Rally the neighborhood. Ask your neighbors to help keep watch if you suspect criminal activity where you live. An extra set of eyes could lead to an eyewitness. And it’s in their best interest, too, since their cars are also at risk.
• Avoid dangerous areas. High-crime areas generally aren’t a safe place to park overnight. Don’t leave your car in an unfamiliar area if you can help it, especially if others have had their cars vandalized recently.

Does Car Insurance Cover Vandalism?

If you have the right auto insurance coverage, you’ll usually be covered in the event of vandalism. Comprehensive coverage can pay for damages that occur outside of a car accident, such as vandalism, fire or theft, minus your deductible. Your deductible is the amount of money you will have to pay toward fixing or repairing your car before your insurance kicks in.

This coverage, as well as collision coverage, may be required by your lender if you still owe money on your car. It’s optional if you own your vehicle outright. But given the cost of repairing a vandalized vehicle, you may find it unwise to go without it. Your local ERIE agent can help you decide the amount of coverage that makes the most sense for you.

Repair costs will vary based on your car’s make and model as well as the extent of the damage. Without the right protection, you’ll pay for those repairs out of your pocket.

With ERIE, comprehensive coverage can help cover expenses to fix broken locks, windows and whatever else the culprit decided to smash. Check with your local agent to see if your policy covers vandalism and what else you can do to protect your investment.

What to Do When Your Car is Vandalized

Garage or no garage, vandals can always find ways to make a mess if they’re persistent. When your car is covered in scratches and spray paint, there are steps you can take to help make the claims process as quick and easy as possible. Take these steps to make sure you’re covered:

• Document the scene. Record the damage with pictures, videos and notes. You may overlook important details in the heat of the moment, and they’ll come in handy with the authorities, and your insurance company if you take advantage of ERIE's photo appraisal process. 
• Don’t touch anything. Your car becomes evidence once it’s been vandalized, so be sure to keep things as they are. If you try to fix the damage yourself, it could make matters worse and affect the police report.
• File a police report. Filing a claim without a police report may look suspicious to an insurance company. Call the police to get a record of the crime. Remember to request a copy for yourself to use when filing your claim.
• Call your agent. Contact your insurance company to file a claim and be sure to submit all available information. They may send a claims adjuster to assess the damage. In that case, stay in touch with your agent so you know what your next steps are.
• Get it repaired. During the claims process, you’ll need to transport your car to a safe place in the same condition you found it. If your car is unsafe to drive, have it towed to a body shop and leave any repairs to the professionals.

What if I Need a Rental Car?

While your car’s getting painted and repaired, you may need a clean set of wheels.

In most states, ERIE’s comprehensive coverage automatically includes basic rental car coverage — meaning you’re covered for a compact sedan rental car while your vehicle is in the shop.

This coverage varies by state, so ask your insurance agent about rental car coverage before you’re in a situation where you need it. In most states, you’re covered for a rental for up to 45 days. (Virginia and North Carolina work differently.) Learn more about auto insurance and car rentals.

Restore Your Safe Haven

From your driver seat settings to the feel of the steering wheel, your car is your safe haven on the road. Vandalism may disturb that sense of security, but it doesn’t have to keep you from getting back to your life.

Erie Insurance responds to crisis with care and quick service to get you where you want to be. We’ll provide practical help, reliable solutions and service that exceeds your expectations.

Contact your local ERIE insurance agent to help restore what was lost — and get back to your life.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post Does Auto Insurance Cover Vandalism? appeared first on Horwath & Druck Insurance LLC.

Quiz: She Said What? Name These Famous Women’s Quotes 12 Mar 2025, 4:00 am

Throughout history, women have shaped the world with their courage, wisdom and determination. From groundbreaking activists to trailblazing leaders, their words continue to inspire change and progress. And it’s certainly no different at Erie Insurance.

Since our founding in 1925, and for the 100 years to follow, women have played major roles in shaping ERIE into the organization, employer and community partner we are today. Even in those early years, when women weren’t represented in many lines of work, they were contributing to the culture and fabric of ERIE —  across nearly all areas of the business.

So, in honor of all the fiercely talented women, past, present and future, and in recognition of Women’s History Month — take a few minutes to see if you can match these powerful quotes to the remarkable women who shared them.

How well do you know the voices that helped shape our history? Let’s find out!

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

The post Quiz: She Said What? Name These Famous Women’s Quotes appeared first on Horwath & Druck Insurance LLC.