The Empire Company

Determine how much coverage you need, then buy enough to replace your home and possessions; you typically do not have to insure the land itself.

Many small businesses choose to sponsor special events to help a favorite charity or their local communities. It’s an effective way to do good and increase business visibility, but before you sign up as an official sponsor, make sure you have events insurance in place.

Liability coverage is a part of homeowner's insurance that is often overlooked. This type of coverage protects the insured against claims arising from bodily injury and property damage to others.

A premium is the amount you pay to the health insurance company each month in order to maintain your coverage. When buying a health insurance plan, you want to look at this cost and also balance it out against other expenses, such as copayments, deductibles, and coinsurance.

When a home is in an area that is subject to unpredictable, violent weather events, it is a good idea to make sure your homeowner’s insurance covers them, particularly damage caused by high winds.

Do you know someone who has remained in a marginal job because they didn’t feel like they could afford to lose the insurance coverage? With individual health insurance, it is much easier for someone to switch companies if coverage or the cost changes.

While every state has a law on the minimum amount of liability insurance in any auto insurance policy, we can show you why it can be extremely dangerous to carry only the minimum amount of insurance.

While raising your deductible on your auto insurance can save you on your premium payments, it can cost you more on your claims. If you raise your deductible, make sure you can afford to pay it if you need to make a claim.

Just like sturdy doors and a home security system keep your home and possessions safe from burglars, homeowner's insurance protects your home from many different expensive catastrophes that can happen to your house or personal belongings.

Preventative care can help detect or prevent illness, such as mammogram services or flu shots. This helps keep you healthy and means less medical coverage, so many health insurance plans have specific provisions that completely cover preventative services and make them free.

If you telecommute several days a week and your annual mileage has declined as a result, let us know. The reduction in annual miles driven could lead to noticeable savings on your auto insurance premiums.

In states like California, three major factors help determine your auto insurance rates: Your safety record as a driver, the number of years you’ve been driving, and the average number of miles you drive each year.

Insurance companies evaluate all the possible risks they may have to cover for your home before determining your rates. By taking measures to prevent those risks, such as installing a pool cover to prevent someone from drowning, you can lower your premiums.