5 /5 Chris Shumate: Ive been a homeowner in a high fire-prone area of California for years, and finding affordable property insurance has always been a nightmare. Premiums are sky-high, and many companies just flat-out refuse to cover homes like mine due to the wildfire risks. Thats why I was blown away by my experience with Empire Independent Insurance—they truly went above and beyond to make it work for me.
From the start Adam took the time to understand my situation. He didnt just quote me a standard policy; he dug deep into various options. What could have been a stressful process turned into a seamless one, with clear communication every step of the way via email and phone.
In the end, they found me a comprehensive policy that covers not just fire damage but also theft and liability—at a rate thats so much lower than what other insurers were quoting. I feel so much more secure knowing my home is protected without breaking the bank.
If youre in a high-risk area and struggling with finding good affordable insurance, you should call them as well. I highly recommended them!
