What Is Amica Insurance?

Amica was established as a mutual auto insurer in 1907 and offers car, home, life and other policies in the United States. They consistently receive top ratings from both customers as well as industry watchdogs like J.D. Power and WalletHub.

Amica’s term life policy doesn’t require a medical exam and comes with the option to convert to whole life coverage if desired, providing ridesharing and delivery driver coverage in certain states.

Life policies

Amica life policies offer a lump-sum payout upon your death, providing enough money for funeral costs, debt payments and missed income for family. Furthermore, they provide terminal illness riders that accelerate your life insurance benefits in case you’re diagnosed with terminal illnesses and speed up payouts accordingly.

Amica provides an impressive variety of policies, as well as various discounts. Take a defensive driving course; be an Amica customer for two years or more; bundle auto and home policies together for additional savings; or utilize their paperless option which enables you to receive your documents and payments online – and save even more by paying in full!

Amica provides a unique feature known as Claims Advisor that assists in filing and tracking claims, making the experience less daunting for you in difficult situations. Furthermore, their blog features numerous helpful articles such as tips to prevent car damage as well as how to find reliable contractors for home repair projects.

Amica stands out as an insurance provider due to their customer satisfaction record. They ranked highly in the 2021 J.D. Power U.S. Auto Insurance Study and received higher-than-average customer ratings across their home and auto policies. Furthermore, Amica stands out with unique features like their lifetime repair guarantee that allows free repairs as long as you own your policy policy.

The company also offers a dividend policy, which returns part of your annual premium annually as dividends. This can help make long-term insurance more cost-effective while making initial coverage more expensive initially. Additional discounts such as accident forgiveness, multipolicy coverage and client referrals may apply as well. Furthermore, nondividend policies as well as Platinum Choice packages which offer features like full glass coverage, identity fraud monitoring and $5,000 toward rental car coverage can be chosen from.

Auto policies

Amica provides drivers with auto insurance policies tailored to their specific needs, with its Platinum Choice Auto policy including comprehensive features like full glass coverage (which eliminates your deductible for glass repairs or replacement), identity theft monitoring, robust rental car coverage to cover rental car costs while your own vehicle is being repaired following an accident, usage-based coverage called StreetSmart which rewards good driving habits with e-gift cards and charitable donations;

J.D. Power 2019 U.S. Auto Claims Satisfaction Study found Amica to have superior auto claims satisfaction ratings, with few customer complaints against them than most of its competitors. They earned top ranking for policy offerings, price and call center service representative service; as well as numerous discounts for drivers meeting certain criteria – such as remaining claim-free for three years or bundling policies together (bundling).

Amica offers several auto policy options with basic liability coverage that cover injuries to others as well as property damage to you and repairs costs after an accident, collision and comprehensive coverage for repair costs after collision, roadside assistance for towing services, jump-starting dead batteries, gas deliveries and unlocking cars as well as umbrella policies to extend auto and home liability limits further.

Dividend-paying auto policies offer another solution, returning some of the money that was put towards car insurance to you each year as dividends. While these can save money over time, they typically cost more upfront.

Amica’s website and mobile app offer multiple ways for policyholders to access policy information, file claims, track repairs, make payments and request quotes – with 24/7 live support via phone, email and chat available through iOS and Android mobile apps respectively. Furthermore, customers can utilize an online tool which compares quotes across competing insurance providers.

Home policies

Amica provides homeowners with a selection of home insurance policies. The company writes policies for single- and multi-sectional houses as well as manufactured homes. Their standard policy offers protection against damage from fire, smoke, theft and vandalism as well as destruction by wind, hail and flooding; sheds and detached garages may also be included with protection; catastrophe coverage and additional options can be added for an additional cost; discounts include multi-line discounts such as multi-line claim-free auto-pay loyalty discounts as well as remodel home, new construction and alarm system discounts as well.

Amica provides home insurance customers with additional coverage options such as valuable items and pet liability coverage, plus dividend policies which return anywhere from 5%-20% of premiums annually based on financial performance. Amica holds an A+ rating with AM Best and lower complaint ratios than many of its peers in its size category.

Amica Platinum Choice plans offer homeowners looking for comprehensive protection the ability to customize their policy with additional add-ons like water backup and sump pump overflow coverage, special computer protection and personal property replacement costs as well as loss of use coverage which reimburses costs associated with meals, lodging or other expenses should a covered problem render their house uninhabitable.

If you require additional liability protection, an optional endorsement provides up to $300,000. It covers medical bills and settlements resulting from anyone being hurt while on your property, while identity theft protection can cover legal fees and any monetary losses related to identity theft such as stolen names, credit cards or social security numbers.

Amica rates tend to be competitive for those with strong credit and a clean claims history; however, other carriers may offer lower premiums. A great way to compare costs is to obtain quotes from several different carriers before selecting one that best meets your needs and budget.

Commercial policies

Amica provides multiple commercial policies, such as home business coverage and supplemental homeowners insurance, in addition to standard auto policies including valuable items coverage and accident forgiveness. Furthermore, Amica has a mobile app enabling policy holders to view auto ID cards and access roadside assistance, with bundling discounts offered when bundling auto, home and life policies together. Amica prides itself on customer satisfaction with low customer complaints relative to other insurers of its size.

Term life insurance policies from Amica range in coverage amounts from $10,000 to over $1 million, making them suitable for people who require significant protection but are hesitant to commit to a whole life policy. Please be aware, however, that Amica does not provide accidental death and dismemberment coverage or long-term care insurance policies.

Amica Insurance Group, as a mutual insurer owned by its policyholders, puts customer experience first in all that they do. One in three policyholders have been with Amica for more than 20 years! Amica boasts excellent financial ratings from AM Best as well as an A rating with Better Business Bureau; additionally they have a proven track record with National Association of Insurance Commissioners.

Amica auto policies typically cover repairs and replacement costs for your car as well as liability coverage should you cause injury or damage to others. They offer comprehensive and collision coverage as well as rental reimbursement and roadside assistance, with discounts offered if your mileage decreases, driving history remains clean, or safety features are installed in your car.

Amica provides a convenient virtual assistant service called Claims Advisor that assists you throughout the claims process. This free service is available 24/7 to answer questions about your claim, provide tips for preventing accidents or injuries and recommend repair shops; additionally it connects you to an Amica agent to get all the answers needed – making this tool ideal for first-time claim filers as it offers guidance as to how best handle their claim.