Amica Home Owner Insurance is one of the top-rated and most affordable homeowners insurance companies, according to the review of U.S. News. It is in the top 5 of the best homeowner insurance companies and also in the top 5 of the cheapest homeowners insurance companies of 2023 ratings.
This is why Amica Renters Insurance is a great option for anyone looking for a reliable and affordable homeowners insurance policy. Amica Mutual Insurance Company is a well-known insurance provider that offers a variety of insurance options, including home insurance.
At Amica, the company believes homeowner insurance is a must-have for anyone who owns a home. If you’re in the market for homeowner’s insurance, read on to learn 7 reasons why you should choose Amica Home Owner Insurance and how it can benefit you!
7 Reasons Why Amica Home Owner Insurance Can Be the Best Choice for You
1. Amica Offers Comprehensive Coverage for Your Home & Belongings
Amica provides dependable insurance for your home and possessions. The options available include Standard Choice Home Coverage and Platinum Choice Home Coverage, which can be obtained with a dividends option.
Standard Choice
This policy provides fundamental protection for your home:
Dwelling
This coverage will compensate for repairs or rebuilding needed for the main structure of your home, as well as any attached structures, in case of a covered incident.
Other Structures
This coverage will compensate for damages to structures on your property that are not connected to your home, such as fences, sheds, or barns, in case of a covered incident.
Personal Property
This coverage will pay for the replacement of personal belongings like clothing, furniture, electronics, or other items that are damaged in a covered incident.
Loss of Use
This coverage, called additional living expenses (ALE), will pay for temporary housing and other expenses like food or pet boarding if you are unable to live in your home due to damage from a covered incident.
Liability
This coverage will pay for legal expenses in case you are held responsible for damages to someone else’s property or injuries to others.
Platinum Choice
The Platinum Choice policy includes all the standard coverage options and additional coverage options that can also be purchased separately from the Standard Choice policy.
Dwelling Replacement Cost
This coverage increases the coverage for repairing or replacing your home by 30% after a covered incident.
Personal Property Replacement
This coverage will pay for brand-new replacements of personal belongings, like electronics, furniture, and clothing, without considering depreciation after a covered claim.
Liability and Medical Payment Coverage
This coverage increases the limits for liability up to $500,000 and guest medical payments up to $5,000.
Valuable Items Extended Coverage
High-value items such as antiques, fine arts, and jewelry are given higher coverage limits under the Platinum Choice package.
Business Property Coverage
This coverage will pay up to $5,000 for damages to business property at home and $2,000 if the damages occurred outside of your residence.
Water Backup/sump Overflow
This coverage will pay for damages caused by a sump pump failure, overflow, or water/sewer lines backing up into your home’s drains.
Special Computer Coverage
This coverage increases the limits for electronics, such as TVs, tablets, laptops, smartphones, and other smart devices, if they are damaged by water, heat, or power surges.
Credit Card Coverage
This coverage will pay up to $5,000 if your credit card is stolen or you have fraudulent charges.
Loss Assessment Plan
This coverage is for those who live in condos or gated communities and experience losses in common areas.
Dividends
In certain states, Amica offers a dividend policy that rewards policyholders with a percentage of their annual premium, between 5% to 20%, as a dividend payment each year. This can be received as a check, deposited directly into a bank account, or applied towards the next year’s premium. The standard policy does not include this dividend benefit.
With Amica’s coverage, you can be confident that your family and belongings will be taken care of in the event of any unexpected circumstances.
2. Low Monthly Premiums
Homeowners looking for affordable insurance coverage may want to consider Amica. Amica offers low monthly premiums among the lowest available in the market.
According to the 2023 U.S. News review, Amica is ranked as the No. 5 most affordable homeowners insurance company, with a monthly premium of $143. Amica’s home insurance rate is based on a sample policy for a 2,400-square-foot townhouse in Naperville, Illinois, with a dwelling coverage limit of $450,000.
This means you can save money on your home insurance premiums and still get the coverage you need!
3. 24/7 Claims Support & Assistance
Amica Homeowner Insurer is proud to offer 24/7 Claims Support & Assistance to our customers. Experienced claims agents are available anytime, day or night, to provide the best possible service for your claim.
Amica will help you navigate the entire process from start to finish and ensure that your claim is handled quickly and efficiently. With Amica, you can rest assured knowing that you have the best claims support available at any time of day or night.
4. Highly Competitive Rates & Flexible Payment Plans With Amica
Amica is committed to providing customers with highly competitive rates and flexible payment plans. With Amica, customers can rest assured that they are getting the best value for their money.
5. Discounts on Bundled Policies
Customers seeking to lower their insurance costs should consider Amica Insurance, as they offer discounts for bundling multiple policies.
As an Amica policyholder, you may qualify for these homeowners insurance discounts:
Claim-free
Homeowners who haven’t filed a claim in the last three years can take advantage of this discount.
E-discount
Sign up for electronic documents to be eligible for this discount.
Autopay
Receive a discount by paying premiums automatically.
Loyalty
Qualify for this discount with at least two years as an Amica policyholder.
Multi-line
Save up to 30% by bundling homeowner’s policy with auto, condo, life, umbrella, or renters policies.
Alarm System
Homes with burglar alarms, fire alarms, or automatic sprinkler systems can qualify for this discount.
Automatic Detection Devices
Discounts are available for homes equipped with water leak detection systems, temperature monitoring systems, or gas leak detection systems.
Remodeled Home Credit
This credit applies to new or newly remodeled homes.
Every state has different discounts and eligibility criteria for them. Contact an Amica representative to learn about which discounts you can get access to and how much money you can save as a result.
6. Personalized Customer Service from Experienced Agents
When you need assistance selecting the most suitable insurance coverage plan, nothing can compare to the helpful and friendly service from Amica Home Owners Insurance Customer Service.
To help you choose the best option for your home insurance requirements, they can address any questions you may have about their policies, plans, and services.
7. Personal Property Protection
When selecting an insurance policy, protecting personal property is crucial. The cost of repairing or replacing damaged items due to covered events like theft, fire, vandalism, and more is valuable protection offered by Amica’s personal property damage coverage. You can rest assured that your personal possessions are protected from unexpected damages and losses.
How to Avail Amica Homeowners Insurance
It’s easy to purchase Amica homeowners insurance policies. You can do it online, over the phone, or even in person with a representative. Here’s a step-by-step guide to getting one:
Get Your Information Ready
To proceed, it’s important for us to obtain certain personal information from you, including:
- your name
- date of birth
- social security number
- any prior insurance history
Necessary information for your property includes the address, age of the building, type and age of roofing, years that plumbing & heating systems were installed, and the number of bedrooms and bathrooms.
Reach Out for a Quote
You can have multiple options for a quote in Amica home insurance. You can call directly, use the online portal, or collaborate with a designated representative.
To ensure an easy process, it is important to have all documentation and information ready beforehand.
Determine Coverage Needs
For the right advice and the best policy for your home & personal requirements, it is suggested to talk to an Amica representative through a phone call or in person. They can aid you in selecting the most suitable coverage and policy to fulfill your needs.
Select a Policy and Buy
After you’ve chosen the policy type and coverage, it’s time to purchase your policy. Amica will guide how to finish up the process of getting your policy finalized.
How Do I File a Homeowners Insurance Claim With Amica?
You can file a homeowners insurance claim on Amica’s website via online chat, the mobile app, or phone.
Filing a claim is easy. Just keep these in mind:
- If your claim involves a crime like theft or vandalism, first contact the police and file a police report.
- Contact Amica as soon as you can. You can easily file a claim online by utilizing the chat feature, through the mobile application, or even by speaking to an agent on the phone.
- Whenever possible, take photos and videos of the incident and make sure to document it.
- Repair any damage that could cause more harm to your home and keep receipts for any work.
Pros & Cons of Choosing Amica for Your Homeowner Insurance
Pros
- Provides two types of homeowners policies to choose from – Standard Choice and Platinum Choice. Both options come with their own set of benefits & features.
- Some policies pay dividends up to 20% of annual premiums.
- Some of the cheapest homeowners insurance premiums in our rating.
Cons
- Not available in Hawaii or Alaska.
- Not all states offer dividend policies, so it’s important to know your state’s different laws and policies.
Secure Your Home and Peace of Mind With Amica Home Owner Insurance
To sum it all up, Amica umbrella insurance is a top-of-the-line choice for protecting your most valuable asset – your home. From its competitive pricing and comprehensive coverage options to its exceptional customer service and claims process, Amica Home Owner Insurance has everything you need to feel secure in your home.
Don’t wait another day to protect your home and loved ones with Amica Home Insurance. Take control of your home’s safety today!
