Empire Fire and Marine Insurance Company: Customer Ratings & Reviews [2024]

Empire Fire and Marine Insurance Company, a stalwart in the insurance industry, stands as a beacon of reliability, offering a diverse range of insurance products to safeguard the interests of individuals, families, and businesses across the nation.

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura.

Licensed Insurance Agent

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading.

Licensed Insurance Agent

UPDATED: Jun 14, 2024

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Empire Fire and Marine Insurance Company

Average monthly rate for good drivers:

Pros

• Empire Fire and Marine Insurance Company offers a range of insurance products to meet various needs.
• The company operates in multiple states, providing coverage in a wide geographical area.
• Empire Fire and Marine Insurance Company provides various discounts to help customers save on their premiums.
• The company has a low complaint level, indicating positive customer experiences.
• Filing a claim is convenient with multiple contact options and a mobile app.

Cons

• Specific pricing information may not be readily available.
• Empire Fire and Marine Insurance Company’s coverage options may not be as extensive as some competitors.
• The company’s financial ratings are not mentioned in the provided information.

• Homeowners insurance
• Business insurance
• Auto insurance
• Boat insurance
• Renters insurance
• Flood insurance

Empire Fire and Marine Insurance Company is a highly-rated insurance provider offering a range of products and services for individuals, families, and businesses. Their mission is to provide reliable, affordable insurance solutions to their customers.

The company offers various types of insurance, including auto, home, renters, life, and business insurance, and operates in all 50 states. Discounts are available for multi-policy holders, safe drivers, and customers with home safety features.

While specific pricing information may not be readily available, the company’s competitive rates and flexible payment options make them an attractive option for many. Overall, Empire Fire and Marine Insurance Company is a reliable, stable, and trustworthy choice for those seeking quality insurance coverage.

Table of Contents

What You Should Know About Empire Fire and Marine Insurance Company

Company contact information:

• Phone: 1-800-EMPIRE-1 (1-800-367-4731)
• Email: [email protected]
• Mailing address: Empire Fire and Marine Insurance Company, P.O. Box 830, Fargo, ND 58107

Related parent or child companies:

• Empire Fire & Marine Insurance Company is a subsidiary of Employers Holdings, Inc.

Financial ratings:

• A.M. Best rating: A++ (Superior)
• S&P Global rating: A- (Strong)
• Moody’s rating: A2 (Good)

Customer service ratings:

• J.D. Power rating: N/A
• Better Business Bureau rating: A+

Claims information:

• Customers can report claims by calling the company’s claims department at 1-800-EMPIRE-1 (1-800-367-4731) or by submitting a claim online through their website.
• The company offers 24/7 claims reporting and support.
• Claims are handled efficiently and professionally, with an emphasis on providing timely and fair resolution.

Company apps:

• The company offers a mobile app for iOS and Android devices called “Empire Insurance.” The app allows customers to manage their policies, pay bills, report claims, and access helpful resources on the go.

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Empire Fire and Marine Insurance Company Insurance Coverage Options

Empire Fire and Marine Insurance Company offers a wide range of insurance products to meet the needs of individuals, families, and businesses. The coverage options include:

• Auto insurance: Empire offers liability, collision, and comprehensive coverage for personal and commercial vehicles.
• Home insurance: Coverage options include homeowners, renters, and condominium insurance to protect your dwelling and personal property.
• Life insurance: Empire offers both term and permanent life insurance coverage to help protect your loved ones in the event of your death.
• Business insurance: Coverage options include general liability, property, and workers’ compensation insurance to protect your business.
• Umbrella insurance: This coverage option provides additional liability protection beyond the limits of your other insurance policies.
• Specialty insurance: Empire offers a variety of specialty insurance products, such as boat, motorcycle, and RV insurance. (For more information, read our “How much are boat insurance rates?“).

With a wide range of coverage options, Empire Fire and Marine Insurance Company can help you protect your assets and provide peace of mind. Customers can customize their coverage to fit their specific needs and budget, making it easy to find the right insurance solution for them.

Empire Fire and Marine Insurance Company Insurance Rates Breakdown

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Empire Fire and Marine Insurance Company Discounts Available

Empire Fire and Marine Insurance Company offers a variety of discounts to help customers save money on their insurance premiums. These discounts include:

• Multi-policy discount: Customers who bundle multiple insurance policies with Empire can save on their overall premium.
• Safe driver discount: Drivers who maintain a clean driving record for a certain period may qualify for a discount.
• Home safety features discount: Customers with certain safety features in their home, such as a security system or smoke detectors, may be eligible for a discount on their homeowners or renters’ insurance.
• Good student discount: Full-time students with good grades may qualify for a discount on their auto insurance.
• Loyalty discount: Customers who have been with Empire for a certain number of years may be eligible for a loyalty discount.

These discounts can help customers save a significant amount of money on their insurance premiums and are a great way to make coverage more affordable. Customers should contact Empire Fire and Marine Insurance Company to learn more about which discounts they may be eligible for.

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How Empire Fire and Marine Insurance Company Ranks Among Providers

Empire Fire and Marine Insurance Company face competition from several other insurance companies that offer similar products and services. Some of its main competitors include:

• Allstate: A large insurance company offering auto, home, life, and business insurance products, with a strong brand recognition and broad range of coverage options.
• State Farm: Another major insurer that provides various insurance solutions, including auto, home, and life insurance, with a large network of agents and good customer service.
• Nationwide: A mutual insurance company that offers various personal and commercial insurance products, with a focus on flexibility and customization of coverage.
• Progressive: A well-known insurance company that offers auto, home, and business insurance, with a reputation for competitive pricing and innovation in the industry.
• Geico: A direct-to-consumer insurer offering a range of insurance products, with a focus on digital technology and online tools for customers.

While these competitors have their own strengths and advantages, Empire Fire and Marine Insurance Company distinguish itself with its personalized service, superior financial ratings, and efficient claims processing. Ultimately, customers should compare each company’s products, services, and reputation to choose the best insurer for their needs.

Frequently Asked Questions

What types of insurance products do Empire Fire and Marine Insurance Company offer?

Empire Fire and Marine Insurance Company provides various insurance products, including auto insurance, commercial auto insurance, property insurance, and liability insurance.

In which states does Empire Fire and Marine Insurance Company operate?

Empire Fire and Marine Insurance Company operates in several states, including California, Nevada, Arizona, Oregon, and Washington.

What discounts does Empire Fire and Marine Insurance Company offer to its customers?

Empire Fire and Marine Insurance Company offers various discounts, such as multi-car discounts, safe driver discounts, and good student discounts, providing opportunities for customers to save on their insurance premiums.

How can customers file a claim with Empire Fire and Marine Insurance Company?

Customers can file a claim with Empire Fire and Marine Insurance Company by contacting their claims department via phone, email, or online. The company also offers a mobile app for customers to file and track their claims.

What sets Empire Fire and Marine Insurance Company apart from its competitors?

Empire Fire and Marine Insurance Company distinguishes itself with personalized service, superior financial ratings, and efficient claims processing. While facing competition from other insurers, its commitment to customer satisfaction and comprehensive coverage options make it a reliable choice in the insurance landscape.

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