Amica Homeowners Insurance Review 2022
Amica boasts high customer satisfaction and a variety of coverage options that land it among our list of the top home insurance providers. Amica also offers discounts for things like paperless billing and automatic payments, which can be relatively easy to obtain.
Best for: Those who want to customize their coverage with additional features.
Amica home insurance pros and cons
How Amica home insurance rates
Amica home insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Amica is among Vanquangblog’s Best Home Insurance Companies for 2022.
Amica homeowners insurance is available in Washington, D.C., and all states except Alaska and Hawaii.
Amica home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Amica also has several types of coverage you can add onto a standard policy, including:
- Dwelling replacement that pays up to 30% above your coverage limit to rebuild or repair your home.
- Personal property replacement to cover the cost of replacing or repairing personal items.
- Scheduled personal property for high-value items like jewelry.
- Catastrophic events in case of earthquakes or flooding.
- Identity fraud expense for unauthorized credit card charges and costs associated with restoring a stolen identity.
- Home business coverage for equipment and liability concerns that arise when running a business from your house.
Amica offers an upgraded homeowners policy called Platinum Choice, which takes the standard homeowners policy and adds on several other types of coverage. This policy will cover water damage resulting from a sewer or drain backup, damage to smart devices such as phones and laptops, and more. It also includes or extends coverage limits for some of the standard policy’s add-on features.
Amica also offers dividend policies. These offer the same coverage as traditional policies but require a higher premium. In return, dividend policies can refund money to you at the end of your policy period if the company has performed well. The amount is typically from 5% to 20% of the policy’s annual premium.
Amica offers standard discounts for things like bundling home and auto insurance (or other Amica products), staying claim-free and maintaining safety devices in your home. Some discounts are fairly easy to obtain, such as the ones offered for receiving bills electronically or signing up for automatic bill payment.
Amica had far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Website: You can start a home insurance quote on Amica’s website. It also offers customers the ability to file and track a claim online. The site includes a unique feature called Contractor Connection, which matches customers with home improvement specialists vetted by Amica.
App: The Amica app is available on iOS and Android. You can use the app to view bills and policies, make payments and file and track a claim.
Homeowners insurance buying guide
You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:
- Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
- Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.
- Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.
- Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
How to file a homeowners insurance claim
File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.
Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.
Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.
Frequently asked questions
What other types of insurance does Amica offer?
Amica offers a number of insurance products, including auto, life, umbrella and marine. Learn more in my Amica auto insurance review.
Where can I get an Amica home insurance quote?
Quotes are available through Amica’s website or by phone.
How do I file a home insurance claim with Amica?
Amica offers several ways to file a claim: over the phone, through its website or using its app.
Can I bundle Amica insurance policies?
Yes, Amica offers as much as a 30% discount for bundling home, auto, condo, renters, life or umbrella policies.
Homeowners insurance ratings methodology
Vanquangblog’s homeowners insurance ratings reward companies for customer-first features and methods. The ratings are based on weighted average scores in several categories, including financial strength, consumer complaints, averages, discounts, online experience and more. My “easy to use” category considers factors like website transparency and how easy it is to submit requests. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best one for you. vanquangblog does not accept compensation for any reviews.
Methodology: Insurer complaints
vanquangblog examined claims received by state insurance regulators and reported to the National Association of Insurance Commissioners for 2018-2020. To gauge how insurers compare to each other, the NAIC calculates a claims index each year for each subsidiary, measuring the ratio of its total claims relative to its size, or the ratio of its total premiums. industry insurance. To assess a company’s claim history, vanquangblog calculated a similar index for each insurer, based on each subsidiary’s market share, over a three-year period. Rates are determined separately for auto, home (including renters and apartments), and life insurance.