Amica offers renters insurance built around standard personal property, liability and loss-of-use protections, with optional endorsements such as scheduled valuables, identity fraud expense and, in many states, water backup coverage. Availability generally spans 48 states (all except Alaska and Hawaii), and you can quote and buy online. For this review, we analyzed Amica’s current features, digital experience, coverage options and discounts using recent third‑party research and Amica’s own product pages, including Amica Renters Insurance, the Amica Claims Center, and the Amica Mobile App, plus industry studies such as the J.D. Power 2024 U.S. Insurance Digital Experience Study and renters pricing context from the Insurance Information Institute and NAIC.
Amica Renters Insurance Overview
Amica’s current renters offering emphasizes practical coverage and a streamlined digital experience. You can start and track claims online via the Claims Center, and the mobile app supports secure sign-in, payments, digital ID cards, photo/document upload for claims, and status updates. These capabilities align with industry research linking stronger digital tools to higher satisfaction in P&C insurance, as highlighted in the J.D. Power 2024 U.S. Insurance Digital Experience Study.
PROS
- Strong digital self-service: online claims, status tracking, payments, and feature-rich mobile app
- Broad renters availability (48 states) with optional add-ons like water backup, scheduled valuables, and ID fraud expense
- Multiple savings levers (bundle, claim-free, paperless, autopay; loyalty/tenure may apply by state)
CONS
- Not available in Alaska or Hawaii; some endorsements vary by state
- Replacement cost on contents typically costs extra; competitors may advertise higher telematics savings ceilings
Amica Highlights
Methodology
For Amica’s renters insurance review, we evaluated coverage features, discounts, digital experience, and financial confidence using current primary pages and recent independent research. We emphasized verifiable sources: Amica Renters Insurance for product scope; Amica Claims Center and Amica Mobile App for service capabilities; J.D. Power’s 2024 U.S. Insurance Digital Experience Study for customer-experience context; and renters pricing benchmarks from the NAIC Homeowners Insurance Report and the Insurance Information Institute.
- Customer Experience – We reference the J.D. Power 2024 U.S. Insurance Digital Experience Study to reflect current expectations for quoting, service and claims tools, and we verify Amica’s capabilities via its Claims Center and mobile app.
- Coverage – We verify current renters add-ons (e.g., scheduled valuables, identity fraud expense, water backup) on Amica’s renters page and cross-reference broader home endorsements summarized by independent editors (e.g., Bankrate).
- Pricing context – We cite renters premium benchmarks from the Insurance Information Institute and the NAIC Homeowners Insurance Report. Actual Amica premiums vary by state, coverage and underwriting factors.
- Confidence – We reference AM Best’s Financial Strength Rating category as listed in our overview. For complaint data by line and year, we direct readers to the NAIC’s consumer tools and complaint resources.
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power 2020 Score | NAIC Customer Complaints |
| Amica Renters Insurance | — | A+ | Not ranked in the cited study; see current digital CX context via J.D. Power 2024 Insurance Digital Experience | Refer to NAIC Complaint Index (varies by line/year) |
| USAA | — | A++ | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
| State Farm | — | A++ | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
| American Family | — | A | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
| Allstate | — | A+ | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
| Nationwide | — | A+ | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
| Farmers | — | A | Varies by specific J.D. Power study/year | Refer to NAIC Complaint Index (varies by line/year) |
*All information accurate as of [2025]. For current satisfaction context, see the J.D. Power 2024 U.S. Insurance Digital Experience Study, and for premium benchmarks consult the NAIC Homeowners Insurance Report and Insurance Information Institute. Complaint indices are available via the NAIC and vary by line and year.
Amica vs. State Farm
State Farm offers similar basic renters coverages to Amica, with different optional endorsements by state (see State Farm coverage options). Amica highlights optional water backup, scheduled valuables and identity fraud expense on renters policies (Amica Renters Insurance). On discounts, both insurers provide multi-policy bundling plus paperless/autopay; Amica also emphasizes claim-free and tenure-based savings (state-dependent). If you want a telematics program with a clearly advertised maximum, State Farm’s Drive Safe & Save markets up to 30% savings for eligible drivers (State Farm discounts), whereas Amica’s public emphasis skews toward traditional discounts and dividends on certain lines per independent reviews (NerdWallet; Forbes Advisor).
Amica vs. Allstate
Allstate’s renters add-on menu focuses on scheduled personal property and identity restoration (see coverage), while Amica’s renters options commonly include scheduled valuables, identity fraud expense, and water backup where available (Amica renters). For savings, Allstate markets multi-policy, paperless and autopay discounts similar to Amica, and also advertises a 55-and-retired discount (Allstate discounts). If you prioritize digital service and claims transparency, both carriers provide online account access and mobile apps; Amica’s app includes secure sign-in, payments and guided claim photo/document upload (Amica Mobile App), aligning with satisfaction drivers flagged by J.D. Power’s digital experience research.
The Bottom Line
Renters insurance offers valuable coverage at generally affordable price points nationally—about $173 on average by the latest industry figures—though your premium depends on state and coverage choices (Insurance Information Institute; NAIC). Amica’s renters policies provide the essentials with the option to add replacement cost on contents, water backup, scheduled valuables, and identity fraud expense in many states. Digital-first tools—online claims, real-time status and a capable mobile app—help Amica align with the customer experience trends highlighted by J.D. Power.
For cost-conscious renters, Amica’s traditional discounts (bundle, claim-free, paperless, autopay, tenure where available) can lower premiums, while competitors may advertise higher maximum savings through telematics programs (State Farm; Nationwide; Travelers; Liberty Mutual; Progressive). Quote both bundled and standalone to compare.
