Amica Insurance Company is a well-known auto, life, and home insurance provider that has been in existence for more than a century. Founded in 1907, Amica prides itself on its exceptional customer service and affordable policies, making it a popular choice for millions of Americans.
Who is Amica Insurance Company?
Amica Insurance Company is a mutual insurance company, which means that it is owned by its policyholders. It is headquartered in Lincoln, Rhode Island, and employs more than 3,500 people across the United States.
Amica Insurance Company is known for its high level of customer service, which is reflected in the numerous awards and accolades it has received over the years. In fact, Amica was named the “Highest Customer Satisfaction Among National Homeowner Insurers in the U.S.” by J.D. Power in both 2019 and 2020.
What Policies Does Amica Insurance Company Offer?
Amica Insurance Company offers various types of insurance policies, including:
Policy Type |
Description |
|---|---|
Auto Insurance |
Provides coverage for damages to your vehicle and injuries sustained in an accident. |
Homeowners Insurance |
Covers damages to your home and personal property, as well as liability for injuries that occur on your property. |
Renters Insurance |
Covers damages to your personal property and liability for injuries that occur in your rented living space. |
Life Insurance |
Provides financial protection for your loved ones in the event of your death. |
With these different types of policies, Amica Insurance Company can provide comprehensive coverage for individuals and families who are looking to protect their assets.
Auto Insurance
Amica’s auto insurance policies offer a range of coverage options, including liability, collision, comprehensive, uninsured motorist, and personal injury protection. Amica also offers a variety of discounts that can help drivers save money on their premiums. Some of these discounts include:
Discount Type |
Description |
|---|---|
Multi-policy discount |
Save up to 25% on your auto insurance premiums when you also have a homeowners or renters insurance policy with Amica. |
Loyalty discount |
Save up to 20% on your auto insurance premiums if you have been insured with Amica for at least two years. |
Safe driver discount |
Save up to 30% on your auto insurance premiums if you have a clean driving record. |
With these discounts and comprehensive coverage options, Amica’s auto insurance policies are a great choice for drivers who want both protection and affordability.
Homeowners Insurance
Amica’s homeowners insurance policies offer coverage for a range of perils, including fire, theft, and natural disasters. In addition to standard coverage, Amica also offers a number of optional endorsements that can provide additional protection for your home and personal property. Some of these endorsements include:
Endorsement Type |
Description |
|---|---|
Flood insurance |
Covers damages caused by flooding, which is not typically covered by standard homeowners insurance policies. |
Jewelry and valuable items coverage |
Provides additional coverage for high-value items like jewelry, artwork, and antiques. |
Identity fraud expense coverage |
Reimburses you for expenses related to identity theft, such as legal fees and lost wages. |
With these coverage options and endorsements, Amica’s homeowners insurance policies provide comprehensive protection for your home and personal property.
Renters Insurance
Amica’s renters insurance policies provide coverage for your personal property and liability for injuries that occur in your rented living space. In addition to standard coverage, Amica also offers optional endorsements that can provide additional protection. Some of these endorsements include:
Endorsement Type |
Description |
|---|---|
Flood insurance |
Covers damages caused by flooding, which is not typically covered by standard renters insurance policies. |
Identity fraud expense coverage |
Reimburses you for expenses related to identity theft, such as legal fees and lost wages. |
Pet damage coverage |
Covers damages caused by pets, which is not typically covered by standard renters insurance policies. |
With these coverage options and endorsements, Amica’s renters insurance policies provide comprehensive protection for your personal property and liability as a renter.
Life Insurance
Amica offers both term and permanent life insurance policies to provide financial protection for your loved ones in the event of your death. Amica’s life insurance policies also offer a number of optional riders that can provide additional protection. Some of these riders include:
Rider Type |
Description |
|---|---|
Waiver of premium rider |
If you become disabled, this rider waives your premium payments to keep your life insurance policy in force. |
Accelerated death benefit rider |
If you are diagnosed with a terminal illness, this rider allows you to access a portion of your life insurance benefit to pay for medical expenses or other needs. |
Child term rider |
Covers your children with term life insurance until they reach a certain age or graduate from college. |
With these coverage options and riders, Amica’s life insurance policies can provide financial protection for your loved ones both now and in the future.
What Makes Amica Insurance Company Stand Out?
There are several factors that set Amica Insurance Company apart from other insurance providers:
Exceptional Customer Service
Amica is consistently rated highest in customer satisfaction among national insurers, which is a testament to its commitment to providing a high level of customer service. Amica’s customer service representatives are knowledgeable and professional, and the company offers 24/7 customer support to ensure that policyholders get the help they need whenever they need it.
Affordable Policies
Despite its exceptional customer service and comprehensive coverage options, Amica’s policies are often more affordable than those of its competitors. This is due in part to the company’s mutual ownership structure, which allows it to focus on its policyholders rather than shareholders.
Multiple Discounts
Amica offers a wide range of discounts on its policies, which can help policyholders save money on their premiums. These discounts include multi-policy, loyalty, safe-driver, and other options depending on the policy.
FAQs
How do I get a quote from Amica Insurance Company?
You can get a quote from Amica Insurance Company by visiting its website, amica.com, or by calling its toll-free number, 866-604-3350. You will need to provide some basic information about yourself and your coverage needs in order to get a quote.
What is Amica’s claims process like?
Amica’s claims process is designed to be quick and easy for its policyholders. You can file a claim online or by phone, and Amica’s claims representatives will guide you through the process every step of the way. In addition, Amica offers convenient repair options, such as mobile appraisals and direct payment to repair shops, to make the claims process even easier.
Does Amica offer any discounts on its policies?
Yes, Amica offers a wide range of discounts on its policies. These discounts include multi-policy, loyalty, safe-driver, and other options depending on the policy.
How can I contact Amica Insurance Company?
You can contact Amica Insurance Company by visiting its website, amica.com, or by calling its toll-free number, 866-604-3350. You can also reach out to Amica through its social media accounts on Facebook, Twitter, and LinkedIn.
Conclusion
Amica Insurance Company is a reputable and reliable insurance provider that offers a range of comprehensive policies at affordable prices. The company’s exceptional customer service, numerous discounts, and flexible coverage options make it a popular choice for individuals and families who want both protection and affordability. With over a century of experience in the insurance industry, Amica is a trusted partner for those looking to protect their assets and loved ones.