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Is Amica Homeowners Insurance A Good Company?

If you’re shopping for insurance for your home or condo, a deeper dive into the Amica Homeowners Insurance review should help you see if the company is the right fit for your needs.

Amica Homeowners Insurance Standard Coverage Options

Amica’s standard coverages are explained well on the website. The online quote tool provides a choice of packages based on the information you provide, or lets you choose your own coverage levels.

1: Dwelling coverage: Rather than using insurance industry software to come up with a dwelling or replacement cost coverage, Amica uses the amount that you enter in the online quote tool.

2: Other structures: This coverage is set at 10 percent of the dwelling coverage amount, to protect sheds, fences and other detached structures.

3: Personal property coverage: Protection for your personal belongings is typically set at 75 percent of the dwelling coverage limit. Amica does note that you will need to determine if this amount is sufficient and that you can purchase a higher limit if you wish.

4: Loss of use: The monetary limit set for the loss of use coverage is 30 percent of the dwelling coverage.

5: Deductible: Amica does not offer a separate deductible for wind or hail losses, but it does let you choose from a wide range of deductible amounts, from $500 up to $25,000.

6: Liability: Compared to industry averages, Amica offers extremely high liability coverage. Other companies may let customers set a limit of $1 million, but Amica extends that to $2 million.

7: Medical payments: This coverage is offered from $1,000 to $5,000 in thousand-dollar increments.

Other Types of Insurance Provided by Amica Homeowners Insurance

Most consumers need much more than homeowners insurance, and Amica delivers with:

  • Vehicle insurance: Auto, motorcycle, boat
  • Life insurance
  • Pet insurance
  • Small business insurance
  • Wedding and event insurance
  • Personal umbrella insurance

Pros and Cons of Amica Home Insurance

Pros

  • To reiterate – Amica was the award recipient in the 2019 J.D. Power Homeowners Insurance customer satisfaction study, rating five out of five in nearly every category. It has ranked highest in the homeowners insurance segment for 18 consecutive years.
  • The online quote tool is more streamlined than those offered by other home insurance company websites and offers a detailed level of customization as you build your home quote, including options for very high liability limits.
  • Amica also offers auto and life insurance, as well as specialty lines such as small business, motorcycle, and watercraft, allowing customers to keep several insurance policies within one company.
  • In most areas of the country, Amica offers its customers assistance in finding qualified contractors to perform repairs.
  • You may choose from several payment plans: monthly, quarterly, and annual.

Cons

  • The online quote tool may ask you to choose your own replacement value rather than calculating it for you (and some users may find it difficult to calculate).
  • You may be required to enter the architectural style of your home, which some users may not know. In addition, certain types of structures—such as mobile homes—are not eligible, nor are farms or ranches.
  • Amica’s longstanding financial strength rating of A++ (superior) by A.M. Best was downgraded in 2017 to A+, with its outlook downgraded from stable to negative. The cause was attributed to increased catastrophic losses, the results of which were higher premiums for customers.

How to Get a Amica Homeowners Insurance Quote

Amica offers three ways to request a quote:

  • By phone: 800-242-6422
  • Online: Amica.com
  • Using the Amica app for Apple and Android devices 

When contacting Amica for a quote, you’ll need to have:

  • Property address
  • Date the home was built
  • Home’s construction type, such as wood frame or masonry
  • Home’s proximity to a fire station and fire hydrant

Is Amica Homeowners Insurance A Good Company?

Yes, Amica is a good insurance company, earning a rating of 3.4/5 from WalletHub’s editors. Amica insurance is a winner when it comes to coverage options and quality claims support, and the company is generous with discounts, too.

How to Make a Home Insurance Claim with Amica Homeowners Insurance

Amica lets customers file a claim by phone, online, or through the mobile app. To file online, you’ll need to log in to your account, but the website does feature a virtual adviser to help you through the steps of the claims process. When you file a claim, a claims representative will go over your policy with you, discussing your coverages and deductibles. Claims resolution may include Amica issuing a debit card with which you can pay for repairs, and you’ll be able to track the claim progress online or by calling the claims center.

Conclusion

You can’t beat Amica’s commitment to quality home insurance coverage and customer support. Its high consumer rankings and excellent financial rating make it a good choice for any homeowner shopping for sound coverage. And for folks who need a little more coverage, Amica’s Platinum Choice Home package provides added protection.

Although Amica makes the grade with excellent coverages, it doesn’t offer the personal attention that only a dedicated local agent can provide. And if you own a home in Alaska or Hawaii, you’ll have to keep searching, because Amica doesn’t offer homeowners policies there.

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