Amica Insurance: Customer Satisfaction Review

Amica Insurance is a popular choice for insurance customers, offering a wide range of insurance products, including auto, home, life, renters, marine, and umbrella insurance. Amica has been praised for its excellent customer service, robust coverage options, and low consumer complaints. The company has also been recognised for its corporate sustainability initiatives and community involvement.

Amica's auto insurance is available in every state except Hawaii and offers standard coverage options such as liability, collision, and comprehensive insurance. Amica also provides additional coverage options, including roadside assistance, gap insurance, glass coverage, and rental reimbursement.

For homeowners insurance, Amica offers both HO-3 and HO-5 policies, with the option to add coverage for water backup, sump overflow, and special computer equipment. Amica's life insurance products include term and whole life insurance, with the option to add endorsements such as a terminal illness rider.

Overall, Amica Insurance is a well-regarded company with a strong focus on customer satisfaction and a wide range of coverage options to meet the diverse needs of its policyholders.

Amica's Platinum Choice Home policy

Platinum Choice Home policyholders can benefit from:

• Additional protection of up to 30% above their dwelling coverage limit if the costs to repair their home exceed their policy limit.
• Broader protection for personal property, including phones, computers, TVs, and other smart devices.
• Higher coverage limits on valuable items like jewellery and watches.
• Credit card coverage of up to $5,000 if their cards are stolen and used fraudulently.
• Business property coverage with extended coverage limits of $5,000 for business property at home, and $2,000 away from home.
• A loss assessment plan that covers property at the policyholder's primary residence that they don't solely own, such as common areas at condos or shared property within a gated community.
• Increased limits of $300,000/$500,000 toward personal liability claims, and up to $5,000 toward medical payments.

Amica's Standard Choice Home policy

The Standard Choice policy further covers the cost of temporary housing and increased living expenses if you cannot stay in your home after a covered loss. It also includes liability coverage if you are responsible for injuring someone or damaging their property.

You can purchase additional coverage to add to your Standard Choice policy. Some options include dwelling replacement coverage, which provides an additional 30% to repair or rebuild your home if the costs exceed your policy limit. Personal property replacement coverage will replace your personal property anywhere in the world if it is damaged in a covered loss. Water backup and sump overflow coverage protect against damage caused by water backup or sump pump overflow. Special computer coverage includes broader coverage for computers and smart devices for additional causes of loss.

Amica's dividend policies

Amica offers dividend policies that return a portion of the premium back to the policyholder. On average, these payments range from 5% to 20% of the annual premium. Dividend policies are not available in every state and are not guaranteed. They are also not available on all policy types.

Dividend policies are more expensive upfront but can save you money in the long run. Policyholders can choose to receive their dividend payment as a check in the mail or have it applied to their future policy premium.

Amica's customer service

Amica is known for its excellent customer service, with high customer satisfaction ratings and low customer complaints. The company has a longstanding Superior rating with AM Best and was ranked first in the J.D. Power 2023 Auto Claims Satisfaction Study. Amica's customer service representatives are available 24/7 and can be contacted via phone, live chat, email, and snail mail. The company also offers a free mobile app that customers can use to access policy information, pay bills, and report and track claims.

Amica offers a range of insurance products, including auto, home, life, renters, and small business insurance, as well as retirement annuities. The company provides various coverage options, including standard and platinum choice policies for home and auto insurance. The platinum choice policy includes additional features such as more coverage for repairs and extended coverage for certain types of property. Amica also offers dividend policies, which are not available in all states, that return a percentage of premiums to policyholders.

In addition to its insurance products, Amica provides a Contractor Connection tool that helps homeowners find licensed contractors for home renovation and remodeling projects. The company also has a storm center on its website with information for policyholders on preparing for and staying safe during natural disasters.

Amica's bundling options

Amica offers a range of bundling options for its customers. The company allows customers to bundle their auto, home, and umbrella policies, and by doing so, customers can save up to 30%. Amica also offers other bundling options, such as auto, condo, and life insurance, or auto, home, umbrella, and life insurance.

Bundling insurance policies with Amica has several benefits. Firstly, it makes account management easier as customers only need to contact one insurance company for any queries or changes. Secondly, Amica representatives can help evaluate a customer's unique situation to ensure they have the policies and coverages they need. Finally, bundling can make claim handling easier as customers only have to deal with one company to resolve multiple claims.

Customers can get a bundling quote online or over the phone. It is also possible to purchase an additional policy at any time, and Amica will ensure that any applicable bundling discounts are added and updated. If a customer cancels one of their policies, they will lose the bundling discount associated with that policy.

Frequently asked questions