Homeowners searching for a reputable insurance company can consider going with Amica. Explore our Amica home insurance reviews!
Amica home insurance company was established in 1907. Since then, it became one of the largest home insurance companies in the United States, which even owns several subsidiary insurance companies.
In the beginning, it offered only a few types of insurance coverage options. They included fire, theft, and auto insurance. With time the home insurance company expanded its offerings to better compete with other insurance companies.
You may know the insurance company by its old name, the Automobile Mutual Insurance Company of America. They are a mutual insurance company, where instead of stockholders, the policyholders own the company.
This insurance company has been in the business of selling a wide range of insurance coverage options and discounts to homeowners and automobile owners for more than 100 years.
Homeowners searching for a reputable insurance company can consider going with Amica. Read our Amica home insurance reviews below to get a better idea of the company and the services they offer.
Amica home insurance may not be as big as some other home insurance companies you see, but they have found their footing in the United States among homeowners. We decided to review the insurance company based on several important factors.
We reviewed the website, looking at its resourcefulness in providing potential users with information regarding home insurance coverage options and discounts.
We focused on the ease of navigation and the different ways to contact customer service and the claims department. We looked at the home insurance coverage price, comparing their rate with the rate offered by their competitors.
The next step in our comprehensive review process was to look at the Amica ratings. It’s essential to learn more about the company’s financial strength in the market, as it gives you an idea of where it stands among its competitors.
Finally, we focused on customer reviews to learn the feedback given by their previous and current customers.
Amica has its headquarters in Rhode Island. The home insurance provider operates in all the U.S. states, with the exception of Hawaii. If you need affordable insurance in Hawaii, we prepared this detailed review.
Amica home insurance offers the following home insurance coverage options:
When you ask for an Amica quote, the quote you receive will differ from what another person may get. The home insurance provider will base the quote on a wide range of factors, including the age of your home, how it was built, and the area you live in.
You may have to pay an estimate of $2,000 each year. We received this number according to the obtained quotes for the average range of ten homes.
Compared to other payment plans of home insurance companies, the Amica payment plan is 20% higher. Your home’s insured value or replacement cost influences the rates you will receive with the home insurance company.
Have a look at the comparison chart below:
|Coverage Amount||Average Annual Premium|
|$100,000 to $300,000||$793|
|$300,000 to $500,000||$1,569|
|$500,000 to $800,000||$2,511|
|$800,000 to $1,000,000||$3,629|
Amica home insurance offers customers the following Amica discounts:
Amica home insurance company has a high financial strength rating given by several reputable online review websites. Amica car insurance is always among the most popular insurance providers in the US.
J.D. Power gave Amica home insurance company a 5 out 5 rating for providing home insurance coverage options.
The insurance company also leads in ratings on the Better Business Bureau, Trustpilot, and ConsumerAffairs. The company’s rating on these websites is based on customer reviews. Judging by the rating, Amica customer satisfaction is high. Amica’s rating from BBB is A+. S&P gave it an AA, and Amica received an A++ rating from AM Best.
Therefore, proving the home insurance company does indeed rank higher than most of its competitors, as these ratings are regarded as excellent. Out of all review sites, the Better Business Bureau does not count the feedback submitted by customers as part of their rating process.
J.D. Power considers the insurance company’s cost for insurance coverage, variety of coverage options available, policy and billing information and clarity, customer service department, and the ease of filing claims. Both ConsumerAffairs and Trustpilot rely on customer feedback to calculate the rating.
Amica home insurance company offers 24/7 customer support. You can contact Amica customer service at 800-242-6422 or chat with a customer service representative using the virtual chat option at the bottom of the website.
You can get a quote by filling an online application. The online application gives questions about the types of coverage options you are interested in and your insurability. You can select any additional coverage option you want to add to your home insurance policy. It will take you around 5 to 10 minutes to fill out and submit the form.
You can contact an agent on the Amica phone number to discuss your coverage options. The home insurance company offers customers a free mobile app.
You can make an account and log in via the mobile app or website to manage your coverage option.
Amica insurance company offers you more than one payment option. You can pay via checks, electronic funds transfer, money orders, credit or debit card, auto-pay feature, over the phone, and by mail.
Overall, most customers have found the Amica customer service satisfactory in helping them with their questions.
The Amica claims reviews by existing customers have been excellent. You can check their claims rating on both the J.D. Power and ConsumerAffairs.
The Amica claims phone number is the same as their customer service department number: 800-242-6422.
The Amica claims department's customer service hours are 24/7. You can file a claim through their website, call, or via the mobile app. Once you have filed a claim, you can track it from the website or the mobile app. The company will connect you with a prequalified contractor through their network.
The home insurance provider also has a catastrophe claim center.
We have compared Amica with its major competitors in the market to understand the differences and similarities between these home insurance companies.
GEICO performs better in terms of costs, rating, customer reviews, and discounts. Amica home insurance company’s claims and quote process ranks higher than GEICO. Both insurance providers offer affordable policy rates but fewer discounts.
State Farm offers fewer discounts than Amica home insurance company. Amica scored better on J.D. Power, getting 5 out of 5 whereas State Farm received 4 out of 5. State Farm has a better AM Best rating, but Amica has a better BBB rating.
The biggest drawback is that USAA home insurance is only available to current and retired people in the military and their families. Both home insurance companies offer affordable prices and a top-notch customer service department.
Allstate has average customer ratings, whereas Amica has industry-leading customer satisfaction and services. Both offer online tools and customization options.
Progressive does not have a good claims department. Often it requires customers to go through a third-party instead of reporting it directly.
Amica, on the other hand, has an excellent claims department and their customers can call them up directly to file a claim.
Another drawback of Progressive is that it requires an exterior home inspection to determine if you qualify for homeowners insurance.
Amica home insurance company has been awarded the highest rank in the J.D. Power Homeowners Insurance, getting 5 out 5 in almost every category. They held the rank for 18 consecutive years.
Although they have a good financial strength rating, the AM Best downgraded their rating from A++ to A+ in 2017.
The company has an easy online tool, which gives you customization and liability limit options. However, it may require you to make calculations that not all users find simple enough.
The company offers a wide range of coverage options such as watercraft, business, and motorcycle. You can select from numerous payment plans. They include monthly, quarterly, or yearly payments.
Whether your home insurance coverage will cover mold or not depends on the state you live in, and on the limitations of your home insurance coverage.
The home insurance coverage does not include termites insurance, as it can occur due to the lack of maintenance.
The standard home insurance coverage may cover minor dog bites inflicted to someone on your property, but if you have a big and aggressive dog, you should get additional coverage.
Amica home insurance reviews show that this company’s home insurance costs around $109.33 per month.
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