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With few consumer complaints, an easy-to-use website and mobile app and a wide array of coverage options, Amica renters insurance is worth considering.
Amica renters insurance pros and cons
How Amica renters insurance rates
Amica renters insurance earned 5 out of 5 stars for overall performance. webtradetalk.com’s ratings are determined by our editorial team. The renters 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 webtradetalk.com’s Best Renters Insurance Companies for 2022.
State availability
Amica renters insurance is available in all states except Alaska and Hawaii.
» MORE: 6 reasons not to skip renters insurance
Amica renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
For more details, see what renters insurance is and what it covers.
For policyholders who need additional coverage, Amica offers a few options:
- Personal property replacement, which pays for the full replacement or repair of your personal property up to your coverage limit.
- Scheduled personal property, for expanded coverage of valuables like wedding rings, furs or fine arts.
- Smart devices and computer coverage to cover your phone, laptop, tablet, and/or computer.
- Identity fraud, to cover expenses if your identity is compromised. This includes reimbursement for unauthorized usage of your credit card up to your coverage limit.
» MORE: The average cost of renters insurance in every state
Discounts
Amica offers several discounts, but they may not be available in all states and locations, so check availability.
- Loyalty discount, which is available to policyholders who have been with Amica for at least two years.
- AutoPay discount.
- Multipolicy discount, which provides up to 15% off for bundling renters and auto insurance.
- Claims-free discount, for policyholders who have not filed a claim in three years.
- E-discount, for customers who choose to receive their policy statements electronically.
» MORE: The best cheap renters insurance
Consumer complaints
Amica renters insurance 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.)
Consumer experience
Website: Amica’s user-friendly website lets you get an online quote, file and track claims, and chat with a customer service specialist.
App: Amica’s mobile app is available on Android and iOS. The app allows you to view your policies and to report and track claims. It also allows you to pay your monthly bill, access insurance ID cards and get a free quote.
Renters insurance buying guide
Before you compare renters insurance companies, gather key information such as the address of the rental and any safety and security features the unit has.
You should also figure out how much coverage you need. Take a quick inventory of your belongings: How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.
Your liability limit should be high enough to cover your net worth, while your deductible should be an amount you’d feel comfortable paying in an emergency.
When evaluating renters insurance quotes, make sure each rate estimate includes the same coverage limits and deductibles so you know you’re getting a fair comparison. While it’s tempting to buy the cheapest policy, you may also want to read reviews of your preferred company to make sure it offers good customer service.
» MORE: How poor credit could raise your renters insurance rates
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, such as putting a tarp over a broken window to protect your belongings inside. 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?
In addition to renters insurance, Amica offers:
How do I contact Amica customer service?
Amica representatives are available via live chat on weekdays from 6 a.m. to midnight ET and on weekends from 7 a.m. to midnight ET. You can also contact Amica by phone at 800-242-6422.
How do I file a claim with Amica?
Amica claim representatives are available via live chat on weekdays from 8 a.m. to 6 p.m. ET and Saturdays from 10 a.m. to 5:30 p.m. ET.
For auto, home, marine and umbrella claims, Amica representatives are also available 24/7 by phone at 800-242-6422.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Renters insurance ratings methodology
webtradetalk.com’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. webtradetalk.com does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
webtradetalk.com examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, webtradetalk.com calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
