ByMichael Evans Contributing Writer

Michael Evans is a freelance finance writer. His work has been published by Bankrate, Fox Business, The Guardian and Yahoo Finance.


Amica has been in the insurance business for over a century. The company focuses on offering insurance products, including auto, home, life, condo, marine, small business, and renters insurance, along with retirement annuities. Amica makes it quick and easy to get a quote and purchase a renters insurance policy, often in just a few minutes, from the comfort of your home or office.

Amica has a reputation for good customer service, a history of home-state philanthropy, and has earned top ranking for its claims handling. It’s also a great place for its nearly 4,000 employees to work, earning it a spot on Forbes’ 2019 America’s Best Midsized Employers list.

Amica’s renters insurance offers the types of coverage you expect, to replace your personal property in the event of a disaster, and your finances against liability claims. But how does Amica coverage compare with other insurance carriers? And is Amica’s renters insurance the right choice for you?

Highly-rated claims, and settlement handling.
Great customer service.
Available in all states and the District of Columbia.
$300,000 standard liability coverage.
Amica uses credit-based insurance score ratings for settingrenters premiums.
Standard personal property policy does not include replacement cost coverage.
Local agencies are not available in all major cities.

The Renters Insurance Factors We Analyzed

Customer Experience

Amica ranked No. 1 in J.D. Power’s 2019 U.S. Property Claims Satisfaction Study, with 5/5 star ratings in claims servicing, claims settlement, and overall customer satisfaction. According to the National Association of Insurance Commissioners, nationwide, Amica received just 0.21% of the complaints lodged against insurance companies in 2018, which is below the national average.

The Amica mobile app, available for Android and Apple smartphones, and tablets, enables you to pay your premium, file a claim, access your auto insurance card, get a quote, and contact an Amica representative from the convenience of your device.

Amica’s quote and purchase process are straightforward and easy. You can call Amica’s toll-free number or a local agent to receive a quote, then proceed with purchasing a policy over the phone. Or, you can get an instant quote and purchase a policy on the Amica website. The online app enables you to set coverage limits and select additional coverages.

Coverage Information

Amica’s standard renters insurance policies include:

Personal property coverage to pay for the damage, destruction, or theft of items such as clothing, electronics, and furniture.

Personal liability coverage to pay legal expenses, court awards, and medical expenses if someone sues you following an accident in your home. Some insurers offer separate medical expenses coverage. However, Amica’s renters policies include $300,000 in liability coverage, which you can increase if necessary.

Loss of use coverage to pay your living expenses if a covered peril such as a fire displaces you from your home. Loss of use coverage can help pay for a variety of expenses, including hotel bills, meals, and storage rental.

Amica also offers several add-on coverages for added protection:
Personal property replacement coverage pays to replace damaged property at current market prices, regardless of the depreciated value of the original item. Some insurance companies offer replacement value coverage in standard renters policies, which we prefer.

Scheduled personal property coverage adds additional protection for your most valuable property, including fine art and jewelry.

Computer, and smart device coverage gives you added protection for expensive desktop computers, laptops, smartphones and tablets.

Identity fraud coverage reimburses you if someone steals your credit card, and makes a purchase.

Deals, Discounts, and Add-Ons

In most places, renters insurance is relatively cheap, but Amica offers several discounts to reduce your rate:

  • Set up autopay to pay your premium, and earn a discount on your insurance.
  • Sign up for electronic billing, and save even more money on your renters policy.
  • Keep your Amica renters insurance policy for at least two years, and you may qualify for a discount.
  • When you purchase auto, and renters insurance, you could save 7% on your premium.
  • If you file no claims during a three-year period, you may qualify for a discount.

Financial Strength, Availability, and History

The Better Business Bureau gives Amica an A+ rating. That’s well deserved since fewer than 80 Amica customers have filed BBB complaints in the last three years. Most complaints filed against Amica with the BBB centered on common grievances consumers have with insurance companies, including billing and service problems.

Amica is also a winner for its civic activities. In 2019, What’s Up Newp, a Newport, Rhode Island media outlet, praised Amica for raising more than $155,000 for charity during its 2019 Amica Insurance Newport Marathon and Half Marathon.

  • In business since: 1907
  • S&P Financial Strength Rating: N/A
  • Moody’s Financial Strength Rating: N/A
  • A.M. Best Financial Strength Rating: A+ (Superior)
  • States served: All states and the District of Columbia, but not licensed in U.S. Territories.

The Competition

Overall Rank Score
Customer Experience Score
Financial Strength Score
State Farm
American Family

The Bottom Line

Although the Amica brand is not as well known as some insurance companies, it has a history of providing great customer service. That’s important when you need to file a claim. Amica’s standard coverages are typical not exceptional. Its policies provide solid protection for most renters, but folks with expensive property like gems, and artwork may need to purchase add-on coverages for greater protection.

With coverage available in all states, Amica is a great choice for many renters. Amica offers numerous products that can help protect you in all stages of life, including auto insurance, wedding insurance, homeowners insurance, life insurance, small business insurance, and retirement annuities.

Amica FAQ

Where is Amica renters insurance available?

Amica holds licenses in all 50 states and the District of Columbia. However, Amica does not sell insurance in U.S. Territories such as Guam, Puerto Rico, and the U.S. Virgin Islands. Amica operates local agencies throughout the country, but not in all cities. For example, Amica has a local office in Knoxville, Tennessee, but not in Memphis, or Nashville.

What is typically covered under Amica renters insurance?

Amica’s standard renters policies include personal property coverage that pays for losses due to fire, theft and vandalism. Standard policies also include loss of use coverage, to help pay your living expenses after a calamity such as a fire, as well as liability coverage to pay legal and medical expenses if someone sustains an injury in your home.

Can you cancel Amica renters insurance?

You can cancel your Amica renters insurance by calling the company’s toll-free customer service number. State insurance laws vary. In some states, Amica may charge a cancellation fee if you cancel before the end of the policy term. Ask a local Amica agent about cancellation fees in your state.

How long does it usually take to buy Amica renters insurance?

You can receive an online quote and purchase a policy in about 10 minutes or less. Amica’s online quote app guides you through the process, asking questions about the building in which you live, and the amount of coverage you need. After receiving a quote, you can proceed with purchasing a policy.

Where is Amica renters insurance available?

Amica holds licenses in all 50 states and the District of Columbia. However, Amica does not sell insurance in U.S. Territories such as Guam, Puerto Rico, and the U.S. Virgin Islands. Amica operates local agencies throughout the country, but not in all cities. For example, Amica has a local office in Knoxville, Tennessee, but not in Memphis, or Nashville.

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