When it comes to evaluating home insurance from the top companies that we feel will best serve our clients and prospective clients, we have found over time that Amica Mutual can easily become one of our go-to carriers.
Amica homeowners insurance has become very popular with U.S. homeowners because of the product’s affordable and competitive rates combined with outstanding customer service and claims service. And, since the company offers other personal line products, Amica Mutual could easily be considered the number one resource for personal insurance.
NOTE: We are not Amica Mutual. To speak with a company representative, you can call them at (800) 242-6422 or contact them through their website at Amica.com. If you need the company’s physical address, please see below:
Amica Mutual Insurance Company
100 Amica Way
Lincoln, RI 02865
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About Amica Mutual Insurance Company
We believe that many people are surprised when they learn that Amica Mutual was founded almost 113 years ago, back in 1907, and is the oldest mutual insurance company for car insurance in the United States.
Unlike many of its competitors, Amica does business directly with the consumer rather than relying on distributing its products through independent agencies. Amica has auto insurance, home insurance and life insurance offerings.
Even without the assistance of reputable and committed independent agents, the company has become known for exceptional customer service and the ability to maintain long-term customer relationships.
To service policyholders across the country, Amica relies on 44 well-staffed offices rather than just a few regional offices that in most cases would leave different customers with very different needs disappointed.
Amica’s products are currently available in 49 states including the District of Columbia but do not offer their products in Hawaii.
Amica Mutual’s Financial Stability and Customer Ratings
Whenever you are considering making an insurance purchase, it’s essential that the company you select has the financial ratings and customer satisfaction required to establish a long-term relationship.
After all, all insurance contracts rely on a promise by the parties to the contract. The insurance company promises to pay for a covered claim and the policyholder promises to pay the established premium set by the insurer. In many cases, these promises must be binding over decades so the financial stability of your insurer must be evident.Here is the evidence provided by Amica:
|A.M. Best Rating||A+ (Superior)|
|J.D. Power Rating||5 out of 5 stars for overall customer satisfaction|
|Consumer Reports||Score of 94 (1st among insurance companies)|
|Better Business Bureau||A+ (accredited since 1957)|
Amica Mutual Insurance Products
Similar to most of the other highly-rated insurance companies, Amica Mutual offers a wide range of insurance products for personal and business risks. This is especially important for qualifying for multi-policy discounts and helps customers minimize the number of insurance companies they must deal with.
|Car Insurance||Homeowners Insurance||Boat Insurance||Term Life Insurance||General Liability|
|Motorcycle Insurance||Renters Insurance||Whole Life Insurance||Professional Liability|
|Condo Insurance||Annuities||BOP coverage|
Amica Homeowners Insurance Review
Like its competitors, Amica offers a standard homeowners insurance policy that is a package of coverages that take care of your home, contents, and personal liability, but Amica expands on the standard homeowners’ policy by offering extended home insurance coverage and yet even more coverage under Amica’s Platinum Choice® coverage.
Here are the coverages available in a standard homeowners’ package:
|Type of Coverage||What it Covers||Typical Limit of Coverage||Deductible Applied|
|Dwelling||Covers the structure of the home and any attached/built-in appliances||Claims are generally based on replacement cost of the home (land or lot not covered)||Yes - Flat amount or % of structure value|
|Other Structures||Covers any structures on the property not attached to the house such as fences, barns, workshops||Usually 10% of dwelling limit. Can be increased if needed.||Yes|
|Personal Property||Personal belongings inside and outside of your home||50% of dwelling limit but can be increased or decreased as needed||Yes|
|Loss of Use||Pays for temporary relocation expenses while the home is under repair||20% of dwelling limit||Yes|
|Personal Liability||Pays for medical expenses and legal expenses if found liability for injuries or property damage to a third-party||Typically available limits are $100,000 to $1 million||No|
|Medical Payments||Pays medical expenses for third-party injuries regardless of fault||Typical limits are $1,000 to $10,000||No|
With Amica Platinum Choice® Homeowners Insurance, the policyholder will enjoy additional protections for more comprehensive coverage:
- If your home needs major repairs or a rebuild, Platinum Choice provides up to 30% more than the policy limit to make certain you are made whole after a claim.
- Platinum Choice policyholders are protected up to $5,000 for damage caused by water backup or sump overflow.
- When you file a claim for stolen credit cards, Amica will reimburse for up to $5,000 of purchases made with the stolen credit card(s).
- With Platinum Choice coverage, your contents are insured for replacement cost rather than actual cash value which means new for old.
- Extended coverage on valuable items – certain personal items have special limit coverage which normally falls well short of replacement cost, with Platinum Choice coverage these special limits are extended.
- Additional Liability Coverage – most homeowners’ liability limits are $100,000 per person or $300,000 per claim. With Platinum Choice, your liability coverage is increased to $300,000 per person and $500,000 per claim.
- Protection for your Electronics – all electronic devices like laptops, tablets, phones, and smart TVs are covered for damage resulting from water, power surge, and heat warping.
- Extended coverage for business property is available whether the property is in your home or away from home.
What’s Not covered under Amica Homeowners Insurance
It’s important to note that not every possible risk is covered under your homeowners’ insurance. Most of what’s not covered can be added by endorsement or by purchasing a stand-alone policy specific to the peril. For example, flood damage is not covered under your homeowners’ insurance but you can purchase a policy through the government flood insurance program.
Here’s a list of perils not covered under the HO3 homeowners’ insurance policy:
|Power Failure||Nuclear Hazard||Intentional Acts|
|Water Damage||Governmental Actions||Law or Ordinance|
|Theft while Under Construction||Vandalism if Vacant more than 60 Days||Fungus, rot, or mold|
|Mechanical Breakdown||Damage from smog, rust, or corrosion||Wear and tear|
|Damage associated with Neglect||Damages caused by Your Animals||Damage caused by rodents, insects, or birds|
|Expansion, shrinkage, settling, or bulging||Discharge, seepage, or dispersal of pollutants||Smoke damage caused by industrial operations or agricultural smudging|
|War||Movement of earth||Collapse of property|
Amica Homeowners Insurance Claim Department
How an insurance company handles a claim can either help or destroy your relationship with an insurance company.
Amica’s claim service is ranked as one of the best in the country. The claim managers and adjusters at Amica Mutual understand that claims can be stressful but it shouldn’t be because of how your insurance company deals with it.
Amica’s claims department is set up so that policyholders and non-policyholders can report a claim by phone or through Amica’s website. Once your claim has been reported and assigned a case number, you can be updated regularly through the website, by telephone, or by email on your claim’s status. You’ll never feel like you’re getting the “run-around.”
What others are saying about Amica Homeowners Insurance
Instead of asking a few friends or relatives who they recommend for homeowners’ insurance, why not read what thousands of Amica’s current and former customers are saying. Here’s what we found:
- WalletHub – 3.7 out of 5 stars (54 reviews)
- Clearsurance – 4.2 out of 5 stars (735 reviews)
- US Insurance Agents – 3.72 out of 5 stars (60 reviews)
- NerdWallet – 4.5 out of 5 stars (editorial review)
Frequently asked Questions
Does Amica offer premium homeowners insurance?
If you’re looking for more than a standard homeowners policy, Amica offers the Platinum Choice® policy which provides broaden coverage for policyholders.
Does Amica offer a discount when you bundle home and auto?
Absolutely. Most policyholders can save up to 20% on their insurance premium when they purchase home and auto insurance from Amica.
Does Amica have agents in my neighborhood?
Amica Mutual Insurance distributes its insurance products directly to consumers from 44 offices across the country. You can save time by quoting and buying online or on the phone.
Does Amica homeowners insurance cover my business property at home?
Your business personal property is covered at home or away from home up to the limit in the policy. Talk to an Amica agent for more information.