Amica Insurance: Comprehensive Coverage For New Jersey Homes And Autos

Amica offers auto, home, and life insurance in Northern New Jersey. Amica Insurance has an office in Park Ridge, New Jersey, and serves the northern part of the state. The company provides comprehensive policies and discounts to meet unique needs. Amica offers two types of homeowners insurance policies: Standard Choice Home Coverage and Platinum Choice Home Coverage, as well as auto insurance with various coverage options.

Amica's Platinum Choice Home policy offers additional protection for homes in New Jersey

Amica offers two types of homeowners insurance policies: Standard Choice Home Coverage and Platinum Choice Home Coverage. The Platinum Choice Home policy offers additional protection for homes in New Jersey.

The Platinum Choice Home policy is Amica's highest-level home insurance policy. It includes all the essential protection of a standard policy, plus additional and extended coverages, all in one convenient package. Here are some of the key features of the Platinum Choice Home policy:

• Additional protection for repair or rebuild: The policy provides up to 30% additional protection above your dwelling coverage limit if the costs to repair your home exceed your policy limit. This means that if the cost to repair your home after a covered claim exceeds your policy limit, Amica will provide up to 30% more to ensure your home can be fully repaired or rebuilt.
• Broader protection for personal property: The Platinum Choice Home policy offers broader protection for personal property, including phones, computers, TVs, and other smart devices. This coverage protects against damage from power surges, water damage, and heat warping.
• Higher coverage limits on valuable items: The policy provides higher coverage limits on items such as jewelry, watches, and furs. This means that if these items are lost, stolen, or damaged, you will have higher coverage limits to help replace or repair them.
• Credit card coverage: The Platinum Choice Home policy includes credit card coverage, which provides up to $5,000 in protection if your credit cards are stolen and used fraudulently.
• Business property coverage: This policy also offers extended coverage for business property at home, with a limit of $5,000, and $2,000 for business property away from home.
• Loss assessment plan: The Platinum Choice Home policy includes extended coverage for property at your primary residence that you don't solely own, such as common areas in condos or shared property within a gated community.
• Increased liability and medical payment coverage: The policy provides increased limits of $300,000/$500,000 toward personal liability claims and up to $5,000 toward medical payments.

The Platinum Choice Home policy from Amica offers comprehensive protection for homeowners in New Jersey, providing peace of mind and financial security in the event of covered losses or damages.

Amica's auto insurance covers medical payments and lost wages in the event of an accident

Amica offers auto insurance in New Jersey, and its policies include coverage for medical payments and lost wages in the event of an accident.

Amica's auto insurance policies offer protection for you, your car, and others who share the road with you. Its medical payments coverage, also known as MedPay, helps pay for certain expenses for you and your passengers if you're hurt in a car accident. This includes necessary medical bills.

Additionally, Amica's personal injury protection coverage, or PIP, provides no-fault coverage that pays for medical expenses and lost wages if you or your passengers are injured in an accident. This means that regardless of who is at fault in the accident, PIP will cover your medical expenses and lost wages.

Amica also offers bodily injury liability coverage, which is commonly required by most states. This coverage helps pay for medical bills, lost wages, and even pain and suffering if you, a family member, or someone else you allow to drive your car causes an accident that injures another person.

With a wide range of products, including auto, home, and life insurance, Amica can help you build a multiline package that meets your unique needs and offers you peace of mind while on the road.

Amica Insurance has an office in Northern New Jersey

Amica Insurance provides a range of insurance products, including auto, home, life, umbrella, and marine insurance. They offer comprehensive policies that are designed to meet the unique needs of their customers, with various discounts available. Amica's customers are their top priority, and they strive to provide an exceptional customer experience.

The Northern New Jersey office is committed to making every step of the insurance process seamless, from choosing a policy to reporting a claim. Their representatives are always ready to meet face-to-face to discuss your insurance needs and provide assistance.

Amica Insurance is recognized for its superior customer satisfaction, earning accolades from Forbes, AM Best, and U.S. News. With their wide range of products and commitment to customer satisfaction, Amica Insurance is a reliable choice for those seeking insurance in Northern New Jersey.

To explore Amica's coverages and discounts, you can get an online quote or call their Northern New Jersey office.

Amica offers discounts on auto insurance in New Jersey

Amica offers auto insurance in New Jersey, and there are several ways to save with discounts. Amica's auto insurance coverage in New Jersey includes medical payments, personal injury protection, bodily injury liability, property damage, uninsured/underinsured motorist bodily injury, uninsured/underinsured property damage, collision, comprehensive, auto/loan lease coverage, full glass coverage, roadside assistance, rental reimbursement, and more.

Amica offers a Platinum Choice Auto package that includes premium coverage in one convenient package. This package includes glass repair or replacement without a deductible, credit monitoring service, new car replacement coverage, and prestige rental coverage.

In addition to the comprehensive coverage options, Amica provides various discounts to help reduce the cost of auto insurance in New Jersey. Here are some of the ways you can save:

• Bundling Discounts: When you have your home, auto, and other lines of insurance with Amica, you can take advantage of bundling discounts. By combining multiple policies, you can save money on your overall insurance costs.
• Claim-Free Discount: If you have a clean record and haven't filed a claim in the last three years, you may qualify for this discount.
• E-Discount: Amica encourages policyholders to go paperless by offering a discount to those who sign up for electronic documents.
• Autopay Discount: Paying your premiums automatically is not only convenient but also earns you a discount on your auto insurance.
• Loyalty Discount: Amica values customer loyalty, and if you've been with them for at least two years, you'll be eligible for a loyalty discount.
• Multi-Line Discount: You can save up to 30% by bundling your homeowners policy with auto, condo, life, umbrella, or renters policies.
• Alarm System Discount: If your vehicle is equipped with a burglar alarm, fire alarm, or automatic sprinkler system, you can benefit from this discount.
• Automatic Detection Devices Discount: Amica recognizes the importance of proactive safety measures. If your car has water leak detection systems, temperature monitoring systems, or gas leak detection systems, you'll be eligible for this discount.
• New/Remodeled Home Credit: This credit is specifically designed for those who have recently purchased a new car or remodeled their existing one.

It's important to note that discount percentages and availability may vary by state, so it's always a good idea to get in touch with an Amica representative to understand precisely which discounts apply to your situation and the potential savings they can offer.

Amica is committed to providing exceptional customer experiences and comprehensive policies tailored to meet your unique needs. With their range of coverage options and discounts, you can rest assured that you're getting the best value for your auto insurance in New Jersey.

Amica's home insurance in New Jersey covers damage to the home and other structures

Amica provides home insurance in New Jersey, with comprehensive policies designed to meet unique needs. Their Platinum Choice® Home policy offers additional protection of up to 30% above the dwelling coverage limit if the costs to repair your home exceed your policy limit. This policy also includes broader protection for personal property, including phones, computers, TVs, and other smart devices.

The Platinum Choice Home Coverage (HO5) offers even more protection and includes all the benefits of the Standard Choice policy. It provides additional coverage to repair or rebuild your home if the costs exceed your policy limit. This policy also offers coverage for more causes of loss to your personal property and extended coverage for certain types of property, including jewelry, watches, and furs.

Amica's home insurance policies in New Jersey provide comprehensive protection for your home and other structures, giving you peace of mind and ensuring that you are properly covered in case of any damage or loss.

Frequently asked questions