Empire Insurance Brokers
Proudly protecting individuals, families, and businesses with secure solutions.
Empire Insurance Brokers is an independent insurance agency serving clients’ needs across the Northwest and beyond since 2006. We provide both business and personal insurance in 10+ locations across Washington, Oregon, Arizona, and California. Our team of agents work with many providers to present our clients with the top options to fit their needs.
Convenient Coverage
We offer 13 office locations in Washington, Oregon, Arizona and extend coverage to California, Florida, Idaho, Montana, Nevada, South Carolina, and Texas.
At Empire Insurance, we believe a policy alone only gets you so far. That’s why our team is here to work with you on a building plan that withstands your risks and helps you rise after a fall. Having the right team by your side is essential; we can inform you about your unique exposures while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable.
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As an independent agency, we are here to help you find the right coverage.
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Offering Solutions for Your Insurance Needs
Providing a variety of business insurance and personal insurance solutions is what Empire Insurance Brokers does best.
“Your local first and foremost. You’re always just a phone call or a hop skip and jump away when we need you. Always checking to see if our coverage is what suits our needs the best.”
-Heather H.
“Everyone I deal with at Empire is prompt, thorough and very cordial. My payment process is flawless and very smooth. Overall a great business.”
-Leeann W.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We are there for you in your time of need.
Here’s Why Our Clients Choose Us
See what sets us apart when it comes to serving your insurance needs.
Community Focused
We care about our local community and work to find ways to give back and get involved with the charities we support.
Coverage Choice
We offer a wide array of carriers and coverages to find a policy that suits your unique needs.
Convenient Solutions
We’re a local presence employing local people in 10+ locations across Washington, Oregon, Arizona, and California.
Friendly Service
We’ll continually earn your trust through regular communication, personal relationships, and local involvement.
450+ Five-Star Ratings From Our Satisfied Clients
Check out our reviews and see why you should switch to Empire Insurance Brokers.
“Great customer service; always willing to help, and always able to email them whenever I have any questions or concerns.”
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
As with any building you rent out, you face risks like fire, lightning, wind and more, but if you have a single-family property like a house or a duplex you’re renting out, your coverage needs are different from those who rent out condos or own large apartment buildings.
Rental dwelling insurance provides the coverage you need for renting out a single-family structure like a house or duplex. This coverage provides protection from losses caused by fire, lightning, wind, hail, and more to the structure of your dwelling, as well as anything permanently affixed to the dwelling like kitchen cabinets, bathtubs, and more. This can also cover other structures on the property such as detached garages, barns, and sheds.
You own a condo or an apartment in a large building that you want to rent out. You may not be responsible for insuring the entire building and the rest of its units, but you are responsible for insuring your own. You’ll need the right coverage to protect yourself from financial losses caused by covered damage to your unit.
Fire, wind, hail, lightning, and more all pose a threat to condos and apartments, which is why having building property coverage for individual units in an apartment or condo building is important. This can cover the costs of repair and replacement to your unit if damage is caused by a covered event.
You own an apartment or condo building, and you’re renting the units out to families and individuals alike. Your property risks are similar to someone renting out a single unit or a single-family home, but your coverage needs are much different. While you face fire, lightning, wind, and more, you may need higher limits due to the nature of having a building full of units.
Apartment/condo building property coverage is key to protecting your building and your units. This coverage not only protects the building itself from covered perils, but it also protects other structures you may own on the premise—this can include swimming pools, parking garages, maintenance buildings, fences, and more.
What if you live in your home and you want to rent out a spare room or the in-law suite above your garage? In many cases, a standard homeowners policy does not cover home-sharing. And because you live in your home most of the time, you don’t qualify for a landlord policy. The coverage you can get through a rental app platform is also probably inadequate. If someone is hurt or the property is damaged, you could be left with high out-of-pocket costs.
Home-sharing coverage often provides a combination of property and liability protection for people who share their homes, both as short-term rentals and long-term rentals. However, in most cases, this coverage is only offered for spaces located in primary residences. If you’re renting out a secondary home, you may need different coverage.
As a landlord, you want to make life easier on your tenants to encourage them to stay. That might mean providing a lawnmower or snowblower so they don’t have to purchase one or even furnishing the space. What happens if that property gets damaged? Without the right coverage, you could be faced with replacing it on your own.
It’s important to have personal property coverage if you leave any major property behind for your tenants to use. Whether it’s property rented with the unit or left to be used in its maintenance, this coverage can protect you financially in the event of covered damage.
Fire is a covered peril in your property coverage which means your repairs to your property are covered, but what about your rental income? If your property is uninhabitable while repairs are underway, that could mean months of lost income because you can’t rent out your property.
Lost rental income, also known as loss of use, coverage can help provide financial protection for you if your rental property becomes uninhabitable due to a covered loss through temporary rent reimbursement. Usually, this policy will have a designated time frame during which the reimbursements are provided.
Lawsuits are costly, and just about any accident can set one off. Real or unfounded, the costs of defending yourself in a liability suit and potentially paying damages can be steep and leave you in financial trouble.
Having comprehensive landlord liability insurance can help protect you in the event you are sued due to an accident that occurred on your rental property. It can help cover the costs of your defense, and in the worst case, possibly help cover damage payout. This coverage may also cover suits related to wrongful eviction, depending on your policy.
On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, you can limit the costs of defending a legal claim with proper insurance coverage.
If you employ anyone—from property managers to maintenance workers to landscapers and more—obtain employment practice liability insurance (EPLI) to protect your business from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.
There’s always a risk when renting out your property that tenants will stop paying their rent. The eviction process can be a lengthy and costly one, all the while you’re losing out on rental income because your current tenant won’t or can’t pay.
Some insurance companies offer coverage for guaranteed income. Similar to loss of rental income insurance, guaranteed income provides rent reimbursements in the event that a tenant stops making their rent payment.
As a landlord, you have a responsibility to your tenants. If they encounter an emergency, such as being locked out of the property or an urgent maintenance issue, you need to be there to help. If you are your own maintenance person or you’re running your rental property on the side, it could mean dropping everything to go help your tenant.
Emergency coverage can help you if you find yourself in a situation where you have to suddenly go help a tenant. These policies can cover most, if not all, of the costs related to traveling to your property and resolving your tenant’s issue.
Your rental property has been damaged and it just seems like one thing after another when it comes to the repair. You’ve just learned that not only do you have to fix the property, you also have to upgrade it to meet new building codes that were put into place after your structure was built—and these upgrades could cost more than you anticipated.
If you’re informed during a repair of your property that you need to bring your building up to code, ordinance and law coverage can help cover the associated expenses. Even if your property was to code when it was constructed, building codes can change. Therefore, it’s important to consider this coverage in the event your property does get damaged.
If there’s one word landlords fear more than others, it’s eviction. When a tenant stops paying their rent, you may have no choice but to evict them. It’s a long process though, and it’s often costly as well. The costs of attorney fees, filing fees, and more can add up fast.
Eviction insurance can help you cover the costs associated with the eviction process. It can cover things such as attorney fees, court fees, filing fees, and more. Similar to guaranteed income insurance, some policies may also cover the amount of your tenant’s missing rent payments.
If you own an apartment or condo building, condo, or a single-family home, it’s possible that your property could be vacant for an extended period of time—whether that’s because of renovations or a transition between tenants. Your normal property insurance may not cover your building while it’s vacant, which could leave you in a tricky financial situation if damage were to happen to your property.
If you know your rental property will be uninhabited for some time, it’s important to find out if it will be covered under your existing policies. If not, consider obtaining a vacant property policy to cover you until a tenant moves in.
The forces of nature are strong, and you know what kind of damage they can do to a property. From floods to hurricanes to earthquakes, it’s important to have the right coverage in place in case you face a loss due to these perils.
If your rental property is located in an area prone to natural disasters, be sure to look into specific natural disaster insurance coverage as they often aren’t covered by your standard property insurance policy. Some insurance companies offer bundled coverage for natural disasters while others offer individual policies for flood insurance, hurricane insurance, earthquake insurance, and more.
Damage to your property is usually an accident, but sometimes it's intentional—and not all property insurance policies cover vandalism. That means you could be paying the costs to repair your property out of pocket.
Check your property insurance policy to see if it covers losses from vandalism. If not, consider investing in vandalism coverage to provide financial protection for yourself and your property.
Your rental property was damaged, but now it’s repaired and ready for your tenants to move back in. This can be a costly process, so it’s important to make sure you aren’t on the hook for the expenses.
Tenant move back covers the costs of moving your tenants back into your building who were forced to relocate from your rental property after it was made uninhabitable due to a covered peril. This coverage often works in tandem with your rental property and loss of rental income insurance policies.
The equipment required to run a rental property and make it comfortable is often large and expensive, especially if you’re running a condo or apartment building. Mechanical appliances like water heaters, boilers, and HVAC systems can run you a pretty penny in repair and replacement if they break down.
More often than not, rental property insurance doesn’t cover the breakdown of large equipment like HVAC systems, boilers, hot water heaters, and more. If that’s the case with your policy, consider looking into equipment breakdown coverage. This coverage provides financial protection for losses associated with the damaged equipment and can help cover the costs of repairing or replacing it.
Landlord and Rental Property Insurance 101
Make sure you cover the unique risks you face with contractor insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
Contact Empire Insurance Brokers
As an independent agency, we are here to help you find the right coverage.
Convenient Coverage
We offer 13 office locations in Washington, Oregon, Arizona, and California and extend coverage to Florida, Idaho, Montana, Nevada, South Carolina, and Texas.