Amica Homeowners Insurance Plans

Amica is a leading home insurance company in the United States, offering a wide range of coverage options. It also offers a number of discounts, including a loyalty discount for customers who have been with the company for two years or more.

Amica offers a variety of homeowners insurance coverage options. In addition to standard policies, the company also offers unique coverages such as service line protection and identity theft protection. It also offers a mobile app that allows policyholders to report claims and pay bills from anywhere. Its website lets users customize their policies and make changes to their coverage.

Typically, home insurance covers damage caused by fire, lightning, wind, hail, snow, water, and other natural events. However, it doesn’t cover damage caused by neglect, such as a pipe that bursts because of improper maintenance. Other coverages include personal property coverage, which reimburses for the cost of replacing stolen items instead of just their depreciated value, and loss of use coverage, which reimburses for meals and lodging if a covered event makes your home uninhabitable.

The company also offers a variety of policy discounts. These include a loyalty discount for customers who have been with the company for more than two years, a claim-free discount, and e-discounts, which reduce your premium by removing paper statements. Customers can save even more by bundling their homes with other Amica products, including auto insurance and life insurance.

Amica is a great option for homeowners who want affordable rates and a wide variety of coverage options. Its customer satisfaction ratings are among the highest in the industry, and its financial strength has earned an A+ rating from AM Best. It also offers a mobile app that helps customers navigate their coverage and submit claims.

Standard Choice Plan Amica
Amica Homeowners Insurance Plans 1

Standard Choice Plan

The company’s Standard Choice home insurance policy provides dwelling coverage to repair damage caused by events like fires, wind, and hail. It also includes liability protection and loss of use coverage to pay for temporary accommodations if your home is uninhabitable after a disaster. The company also offers a unique dividend policy that gives you back part of your annual premium. It typically returns 5% to 20% of your premium in the form of a check or direct deposit.

Platinum Choice Plan

The company’s Platinum Choice package is an excellent option for those who want extra protection. It includes more extensive dwelling coverage and provides help with finding contractors to perform repairs. Additionally, it pays for hotel stays or restaurant meals if you have to leave your home during covered repairs.


Amica also provides a range of discounts to help you save on your premium. They offer a loyalty discount after two years and a multi-policy discount on other policies. In addition, they allow you to choose your own deductible and offer discounts on smart-home technology.

Amica offers several discounts, including a claim-free discount and an autopay discount. It also offers a credit for new and remodeled homes and a discount for homeowners who install automatic detection devices such as water leak sensors or gas detectors. In addition, the company offers a multi-line discount and an e-discount for receiving bills and other policy documents electronically. You can also save money by bundling your home, auto and life insurance with Amica.

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