Amica Home Insurance Review 2022 – Forbes Advisor – Forbes

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Published: May 12, 2022, 7:00am
Amica’s rates for home insurance are higher than the national average. So while Amica can boast a low complaint level for its home insurance, make sure to comparison shop to see what other quotes are available.
Amica’s home insurance policies include these standard coverage types:
Amica offers several optional, add-on coverage types for home insurance customers:
Amica home insurance customers have the option to purchase a Platinum Choice policy, which bundles together several coverage types. This includes the coverage types listed above, as well as the following:
Amica’s homeowners insurance rates are higher than many top competitors, based on the companies analyzed by Forbes Advisor.
More: Best homeowners insurance companies
Amica has a lower level of home insurance complaints than the industry average.

You may find that you’re not eligible for Amica’s coverage if you own one of these dog breeds: Alaskan Malamute, American Staffordshire Terrier, Chow, Doberman Pinscher, Huskie, Presa Canario, Pit Bull, Rottweiler, wolf or any dog with a previous biting history.
More: Dog breeds banned by home insurance companies
Amica offers several possible discounts for home insurance customers:
Amica offers both traditional policies and dividend policies. Both types of policies provide the same coverage, but a dividend policy returns up to 20% of your annual premium in dividends, which you can use toward future premium payments or take as a direct deposit or check.
Dividend policies are more expensive upfront, but may offer savings in the long run, depending on how well the company performs. Amica’s home insurance dividend policies are not available in California, Florida, Missouri or North Carolina.
Several other types of home-related coverage are sold by Amica, including condo and renters insurance.
For an extra layer of liability coverage, an umbrella insurance policy can be added to an Amica homeowners and/or car insurance policy. An umbrella policy can help pay out if a claim against you exceeds your home or car insurance liability limits.
Amica also sells:
The Automobile Mutual Insurance Co. of America (Amica) was founded in 1907 and offered car, fire and theft insurance. The company first offered homeowners insurance in 1956. Amica is headquartered in Lincoln, Rhode Island.
Amica works with communities across the country and has given $5.2 million through grants and sponsorships. The company encourages its employees to participate through paid time off to volunteer and has matched 175% for employee donations to qualifying organizations. Amica has also given more than $1 million to Covid-19 response funding.

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