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Amica Renters Insurance Review

Amica’s renters insurance helps protect against losses due to fire, theft, or vandalism, at an affordable price. Reviews.com Renters Insurance Score: 2.9/5.0 | 7/11 insurance companies ​
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Excellent customer services
In business for over 110 years
Various discounts available

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Amica offers affordable renters insurance with all the basics, plus a few add-ons if you want to supplement your coverage. Currently, renters in every state except Hawaii and Alaska can get Amica renters insurance for their home or apartment. In this article, we’ll deep-dive into Amica renters insurance, including its pricing, coverage options, discounts, and more. Keep reading for our full Amica renters insurance review.

Amica Renters Insurance Overview

In business since:
JD Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
AM Best Financial Strength Rating: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
States served:

Overall, the public’s perception of Amica is strong. According to YouGov, only 5% of people have a negative opinion of the company. Amica has an A+ rating from the Better Business Bureau (BBB), but its average rating is only 1.5 stars out of 5.


  • Amica is known for its excellent customer service and claims handling
  • Amica has been in business for over 110 years, and has strong expertise when it comes to insurance
  • Renters can take advantage of five policy discounts from Amica


  • Amica does not offer renters insurance in Alaska and Hawaii
  • If you want replacement cost coverage for your personal items, you’ll have to pay extra

Amica Highlights

Customer Experience
Deals, discounts, and add-ons

Amica doesn’t disclose pricing on its website, but you can get an instant rate quote online for renters insurance. Keep in mind that everyone pays a different rate for their insurance coverage. There are a number of factors that influence the cost of your premium, including your state, age, credit score, the amount of coverage you want, and your deductible. The cost of renters insurance is reflective of your specific circumstances and your coverage needs.

Amica’s standard policies come with all of the coverages you would expect, including personal property coverage, personal liability coverage, and loss of use coverage. It’s a no-frills insurance policy that’s easy to understand. Amica also offers add-ons for personal property replacement cost coverage, smart devices and computer coverage, scheduled personal property coverage, and identity fraud coverage. To choose your coverage amount, start by creating a home inventory of your personal belongings and their estimated cost. Buy enough coverage to protect everything you own at their original value.

The latest renters insurance study from J.D. Power did not take Amica into account, but J.D. Power’s 2020 U.S. Property Claims Satisfaction Study ranked Amica best in the business with a score of 902/1,000 for overall customer satisfaction. The customer complaints recorded by the National Association of Insurance Commissioners (NAIC) show Amica has higher than average complaints, but most of those complaints stem from Amica’s auto insurance policies. 

Amica’s website is informative and easy to navigate. You can get a quote online and complete an application right from the website. The company also has a mobile app where you can file a claim, view your policy documents, and make payments.

Amica offers five different discounts on renters insurance policies. You can save money by being a customer for more than two years, having no claims in the past three years, signing up for paperless billing statements, enrolling in automatic payments, and bundling your renters insurance and auto insurance. Amica offers these discounts to every customer year-round. The company does not typically offer promotions or savings opportunities outside of these discounts.


For Amica’s renters insurance review we evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare renters insurance companies across the board, we calculated a Reviews.com score based on the following:

  • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
  • Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available. 
  • Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
  • Customer Experience– The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition

CompanyReviews.com Score AM Best Financial Strength RatingJ.D. Power 2020 ScoreNAIC Customer Complaints
Amica Renters Insurance 4.25/5A+NRFewer complaints than average
USAA3.75/5A++888/1,000Fewer complaints than average
State Farm3.25/5A++836/1,000More complaints than average
American Family3.75/5A840/1,000Fewer complaints than average
Allstate3.5/5A+841/1,000Fewer complaints than average
Nationwide3.75/5A+831/1,000Fewer complaints than average
Farmers3.5/5A839/1,000Fewer complaints than average

*All information accurate as of [October 4, 2020].

Amica vs. State Farm

State Farm is a popular renters insurance company. It offers the same basic coverages as Amica, but the add-on coverages are different. With State Farm, renters can get additional liability coverage, identity restoration coverage, earthquake coverage, additional business property coverage, and incidental business liability coverage. State Farm even offers pet medical insurance for accidents or injuries that your dog or cat suffers in a covered event. When it comes to discounts, Amica fares better than State Farm. The only way to save on a renters insurance policy from State Farm is to bundle your renters and auto policies, whereas Amica offers five different discounts.

Amica vs. Allstate

In J.D. Power’s 2020 U.S. Renters Insurance Study, Allstate was ranked as the third best provider on a list of 14 companies. However, it’s not a significantly better renters insurance company than Amica. When it comes to discounts, Allstate offers the same savings opportunities as Amica, plus a discount for renters who are 55 and retired. We found that Allstate offers fewer add-on coverages than Amica, so it’s not ideal for people who want to customize their coverage. With Allstate, the only add-ons you can get are scheduled personal property coverage for valuables, and identity restoration coverage. 

The Bottom Line

Renters insurance offers valuable coverage, and with Amica, you can have peace of mind knowing that your belongings and liability are covered. Renters who are looking for a basic insurance policy will appreciate the simplicity and ease of doing business with Amica. The company’s standard renters insurance policies include just the basics, but you can also add-on endorsements if you want more protection.

We also appreciate Amica’s generous discounts which can help renters lower their premium. Any renters will be satisfied with Amica, but thanks to the company’s excellent online resources, mobile app, and optional coverage for smart devices, younger renters and students will especially appreciate policies from this provider. Getting a renters insurance policy from Amica is quick and straightforward, and you can get an instant rate quote online, 24/7.

Amica Renters Insurance FAQ 

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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