Jeffrey Wade
Amica homeowners insurance is available in 48 states, including Florida, and Washington, D.C. Amica offers comprehensive coverage, various optional coverages, and multiple discounts. Home insurance is not mandatory in most states, but it is highly recommended for homeowners. Amica's insurance covers damage caused by events such as fire, lightning, wind, or hail, and provides coverage for belongings such as furniture, clothing, and electronics.
| Characteristics | Values |
|---|---|
| Availability in Florida | Yes |
| Average monthly premium | $146.20 |
| Ranking in best homeowners insurance company study | No. 2 |
| Customer service ranking | No. 5 |
| Claims handling ranking | No. 1 |
| Customer loyalty ranking | No. 2 |
| Customer satisfaction in claim resolution | 75% satisfied or completely satisfied |
| Ease of filing a claim ranking | 62% completely satisfied |
| Ease of purchasing a policy ranking | 75% satisfied or completely satisfied |
| Coverage | Dwelling, personal property, loss of use, personal liability, guest medical coverage, water backup, sump pump overflow, special computer, and credit card coverage |
| Discounts | Multi-policy, claims-free, loyalty, and automatic detection device discounts |
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What You'll Learn
Amica's Florida home insurance coverage options
Amica offers homeowners insurance in 48 states, including Florida. The company provides a personalized approach to help customers secure the right level of protection, ensuring essential features are not missed while avoiding unnecessary costs.
Amica's Florida home insurance provides coverage for the home, attached structures, and detached structures in the event of damage caused by events such as wind, hail, smoke, lightning, or fire. It also covers belongings, including furniture, clothing, and electronics, in the event of a covered loss. Additionally, Amica provides coverage for temporary living expenses when a covered loss makes the home unfit to live in, including additional food, pet boarding, fuel costs, and other expenses.
Amica offers various optional coverages and multiple discounts. For instance, you can purchase flood insurance through the federally backed National Flood Insurance Program (NFIP) as supplemental coverage. Amica also offers an optional add-on for water backup coverage and an endorsement for earthquake damage repairs.
For those with high-value items, Amica provides an add-on to ensure sufficient coverage. This allows policyholders to list valuable belongings, such as jewelry, art collections, or antiques, separately. These items are valued at their current market value, and replacement coverage is provided in the event of theft or damage.
Amica also offers identity theft insurance to help cover expenses associated with restoring your identity, including legal fees and lost wages.
To get started with Amica's Florida home insurance, you can either get a quote online or contact their local offices in Florida to meet face-to-face and discuss your unique needs and circumstances.
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$14.37 $24.99
How to get a quote
Amica homeowners insurance is available in Florida. While Florida law doesn't require homeowners to have insurance on their property, it is highly recommended to have insurance, regardless of state requirements. Home insurance can provide financial relief for repairing or rebuilding your home and replacing your belongings after disasters such as fires, tornadoes, break-ins, and more.
Amica offers comprehensive policies that are designed to meet your unique needs, and the discounts to help you save. Amica also offers convenient options for getting a quote. Here are the steps to get a quote:
Step 1: Visit Amica's Website or Local Office
You can visit Amica's website, Amica.com, to get started on your quote. You can also visit one of their local offices in Florida to meet face-to-face with a representative and discuss your needs.
Step 2: Gather Information
Before starting the quoting process, it is helpful to have certain information handy, such as details about your car, any accidents or claims in your history, and your current insurance information, including coverage limits.
Step 3: Contact Amica
Once you have the necessary information, you can either continue the process online or call Amica at 800-242-6422 to speak with a representative. Their representatives are available 24/7.
Step 4: Explore Options and Discounts
An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. They can also assist you in exploring potential discounts or cost-saving measures available to Florida homeowners based on your unique circumstances.
Step 5: Receive Your Quote
After providing the necessary information and discussing your options, you will receive a quote for Amica's homeowners insurance in Florida. Remember that you can always shop around for multiple quotes to compare coverage and pricing.
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Amica's ranking in Florida
Amica homeowners insurance is available in Florida, offering some of the most comprehensive coverage options in the state. The company provides two main policy options: Standard Choice for solid protection and Platinum Choice for premium coverage. Amica's Platinum Choice policy stands out with its comprehensive coverage, and it offers various optional coverages and discounts along with the option of a traditional or dividend policy.
Amica has consistently earned high marks from J.D. Power and other industry rating organizations. In terms of ranking, Amica has achieved notable scores in several categories. In a U.S. News study, Amica ranked second among the best homeowners insurance companies, with a score of 4.8 out of 5. This ranking reflects the company's comprehensive coverage, various optional coverages, and multiple discounts.
Amica also ranked first in claims handling in a consumer survey, scoring 4.8 out of 5, significantly higher than the average of 4.2. Additionally, Amica placed fifth in the same consumer survey for customer service, scoring 4.1 out of 5, which is the average score in this category. Amica's customer loyalty rating is also impressive, scoring 4.6 out of 5, well above the average of 4.2.
In terms of value, Amica scored slightly lower, earning the seventh spot with a score of 4.1 out of 5. This ranking indicates that while most respondents were satisfied, there is room for improvement in how customers perceive the value of Amica's policies.
Amica's J.D. Power ranking in claims satisfaction is particularly noteworthy, with a score of 906 out of 1,000, the highest rating among carriers. This ranking underscores Amica's strength in handling claims, which is crucial during Florida's hurricane season.
Overall, Amica homeowners insurance in Florida is well-regarded, offering competitive rates, comprehensive coverage options, and strong performance in claims handling and customer satisfaction.
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What isn't covered by Amica's Florida insurance
Amica's homeowners insurance is available in 48 states, including Florida. However, it is not available in Alaska, Hawaii, and Washington, D.C. Amica's insurance offers comprehensive coverage, various optional coverages, and multiple discounts.
Pest and Vermin Infestations
Pests and vermin such as termites, bedbugs, mice, and rodents are generally excluded from home insurance policies. The eradication and remediation costs of such infestations are typically not covered. However, if pests trigger a covered loss, such as a fire or structural collapse, the damage caused by the excluded problem may be covered.
Mold
Mold is typically excluded from home insurance policies. However, if the mold is caused by a sudden and unexpected problem, such as a burst pipe, your insurance company might cover the damage if you notify them immediately. Some companies may offer an endorsement for mold remediation.
Flooding and Water Damage
Standard homeowners insurance policies typically exclude damage caused by natural flooding, rain, sewer line backups, or water that seeps up from the ground. However, Amica offers supplemental coverage through the National Flood Insurance Program, which can provide protection against flood damage.
Earthquakes and Ground Movement
Damage caused by earthquakes, landslides, mudslides, subsidence, sinkholes, and other forms of ground movement is generally not covered under standard homeowners insurance policies. These types of events warrant their own rating metrics separate from a home insurance policy.
Power Surges
Home insurance policies usually do not cover power surges caused by utility companies. They do not pay for the replacement or repair of electronic components damaged by artificially generated (non-lightning) power surges.
Wear and Tear
Home insurance is designed to cover sudden or accidental problems and is not meant to cover general wear and tear. Maintenance issues, such as roof repairs, replacing worn-out flooring, or fixing slow-leaking pipes, are the responsibility of the homeowner.
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Amica's Florida offices
Amica has offices in Florida where customers can get help choosing the right insurance product, making a policy change, or discussing a claim. The Tampa Regional Office is located at 3109 W. Dr. Martin Luther King Jr. Blvd., Suite 550. Amica's homeowners' insurance is available in 48 states, including Florida, and it offers comprehensive coverage and various optional coverages and discounts. The company's Platinum Choice policy covers dwelling, personal property, loss of use, personal liability, and guest medical coverage. Amica also offers supplemental coverage for events such as flooding and water backup through the National Flood Insurance Program.
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Frequently asked questions
Yes, Amica offers homeowner insurance in Florida.
Amica's homeowner insurance in Florida covers damage to your home and other attached structures caused by events such as fire, lightning, wind, or hail. It also covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed, or detached garage. Additionally, it covers your belongings, such as furniture, clothing, and electronics, if they are damaged by a peril listed in your policy.
Amica's homeowner insurance in Florida does not cover damages caused by flooding, earthquakes, or water backups from sewers and drains. However, supplemental coverage, such as flood insurance through the NFIP, is available, and Amica offers an optional add-on for water backup coverage.
Amica ranks highly among the best homeowner insurance companies, often placing second in various studies and reviews. It offers comprehensive coverage, various optional coverages, and multiple discounts. Amica also has excellent ratings for claims handling and customer service.
You can get a quote for Amica's homeowner insurance in Florida by visiting their website or speaking to one of their representatives. They can provide personalized guidance and help you navigate your options to find the right coverage for your needs.
