Homeowners Insurance Amica

Amica Homeowners Insurance Review and Prices

Amica started out in 1907 as the Car Mutual Insurance Company of America based in Rhode Island. It introduced other kinds of insurance and financial products and changed their names to the Amica Mutual Insurance Company, including homeowner policies starting in 1956.

The Amica company consists today of three independent entities that offer car, house, life, rental, condo owners, vessels, bikes, personal liability and companies with 44 offices throughout the U.S. As well as the traditional policies of homeowners, Amica sells dividend policies that reimburse policyholders for up to 20 percent of the annual premium. The company also offers a range of financial goods, wedding, bad weather, cancellations, no shows and venues. Amica has a financial strength ranking of A.M. Best for A+.

Amica does not use private officers, but rather provides telephone customer support. Customers can pay bills, update data, obtain a budget or claim through their website and there is a complimentary mobile app for the payment of bills or claims.

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What Homeowners Insurance Coverage Options Are Available From Amica?

Amica's regular home insurance covered fire and weather risk. The buildings that are attached to the main dwelling are included such as a garage and detached structures, such as a shed or fence.

Standard plans also provide personal property coverage to assist with payment for items that are not permanently attached to your house. The coverage of your personal liability protects you from legal proceedings and covers medical costs if you are injured or your property is damaged. Temporary residential and food coverage is paid during the rehabilitation or rebuilding your home after a loss.

Amica provides a range of extra coverages, either individually or in a kit. Purchasers can choose up to 30% greater housing substitute coverage than the regular policy and more jewellery, art or other collectibles coverage. Fraud coverage can help pay for the credit card charges unauthorised to help you repair your credit and there is coverage for home office or business computers or equipment. Like several firms, Amica provides earthquakes and flood plans that are not protected by traditional policies.

Most of this optional coverage is included in the Amica Platinum Choice Coverage, except for flood and earthquake insurance. Platinum Option also covers in case of a malfunction of a sump pump or drainage.

The availability of these options and the costs depend on conditions, and such coverage in Alaska or Hawaii is not available. Talk to a representative to decide what your case is best for.

What Homeowners Insurance Discounts Are Offered by Amica?

Amica provides three primary insurance discounts for homeowners:

Alarm system: You can get a discount from Amica by installing a fire or burgle alarm or sprinkler system.

Automatic detection devices: Amica provides a reduction in the amount of homes fitted for temperature monitoring, gas leaks or water leaks.

New/remodeled home credit: You can benefit from a discounted rate if you upgrade your home with new equipment or appliances.

Amica gives all consumers the following discounts, irrespective of which insurance they buy:

Multipolicy discount: You will be entitled to a discount if your homeowners' policy is combined with car insurance.

Claim-free discount: you will get a discount for three years to go without a claim.

Auto pay: you can save money by registering for automatic deductions to pay your bill.

Loyalty: clients who have spent at least two years with an insurance firm, but not Amica, will get the discount.

E-discount: Amica offers you an electronically discount on receipt of notices and bills.

What Homeowners Packages and Bundles Are Offered by Amica?

Amica Platinum Option is a bundle of extras not in a regular insurance policy for homeowners. Most features of Platinum Choice are also individually available. The choice of platinum consists of:

Increased dwelling replacement coverage: Includes up to 30 percent more coverage than regular housing substitutions.
Personal property replacement coverage: Alternative coverage for personal property may be selected for a higher coverage cap.
Water backup/sump overflow: Water protection against damage caused by a blocked drain, which is not protected by a standard directive and has failed.
Credit card coverage: Provides up to $5,000 to reimburse fraudulent credit card charges.
Computer coverage: Provides wider electronic coverage against power supply, damage to water and warping of heat.
Business property coverage: provides extra coverage on computers and other home and business facilities.
Valuable items extended coverage: Provides extended coverage limits for gems, musical instruments or other items of value.
Loss assessment plan: Increases land coverage in common areas, such as common areas in a condo complex.
Liability and medical payment coverage: Provides more liability coverage for medical expenses and legal fees.

What Additional Homeowners Insurance Coverages Are Offered by Amica?

Amica provides several extra coverages that are not covered in a regular policy for homeowners. Talk to an attorney, an independent agent or an adjuster to decide the coverage and amounts that are best for you.