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from our modest roots starting in 1925 as a pennsylvania auto insurer, we've grown to become a multi-line insurance company, offering auto, home, business and life insurance through our network of independent insurance agents. today, our geographic presence extends to 12 states and the district of columbia; from new york to north carolina and from wisconsin to tennessee. at erie, we adhere to disciplined underwriting, fair pricing and a prudent investment philosophy. these factors have contributed to our ability to earn consistently superior ratings in the insurance industry. the combination of a quality agency force, a commitment to customer service and the financial stability provided by erie insurance group assures our customers that we’ll be there when they need us most. according to a.m. best company, erie insurance group is the 15th largest homeowners insurer and 12th largest automobile insurer in the united states based on direct premiums written and the 20th largest propert