You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
Amica Renters Insurance Review 2024
![Caitlin Constantine](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/09/Caitlin-Constantine-160x160.jpeg)
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/amica2.png)
Amica
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Few consumer complaints.
- User-friendly website and mobile app.
Cons
- Not as many discounts as some competitors.
Amica
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Few consumer complaints.
- User-friendly website and mobile app.
Cons
- Not as many discounts as some competitors.
About Amica renters insurance
5.0
NerdWallet ratingAmica renters insurance earned 5 out of 5 stars for overall performance. With few consumer complaints, an easy-to-use website and mobile app and an array of coverage options, Amica renters insurance is worth considering. The company has been around since 1907 and sells policies in most U.S. states.
Based on its star rating, Amica is among NerdWallet’s Best Renters Insurance Companies for 2024.
Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where Amica stands out
Many ways to get assistance. Amica offers customer service by phone, via live chat and even in person if you live near a local office.
Credit toward insuring a future home. Loyal Amica renters policyholders may be able to get up to $500 worth of credit to use for homeowners insurance.
Where Amica falls short
Availability in Alaska and Hawaii. Renters in these states will need to find another insurer.
State availability
Amica renters insurance is available in Washington, D.C., and all states except Alaska and Hawaii.
Amica renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage | What it does |
---|---|
Covers your clothing, furniture, electronics and other belongings. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Pays out if you're responsible for injuries to other people or damage to their property. | |
Covers injuries to other people in your home, regardless of fault. |
For more details, see What Does Renters Insurance Cover?
For policyholders who need additional coverage, Amica offers a few options:
Personal property replacement, which pays for the full replacement or repair of your personal property up to your coverage limit. If you don’t add this, Amica will cover your belongings on an “actual cash value” basis, which means you might get less of a claim payout for older items due to depreciation.
Scheduled personal property for expanded coverage of valuables like wedding rings, furs or fine art.
Smart devices and computer coverage for your phone, laptop, tablet, and/or computer.
Identity fraud to cover expenses if your identity is compromised. This includes help with documentation and a year of credit monitoring. Learn more about identity theft coverage.
Discounts
In select locations, Amica offers discounts for:
Being a policyholder with Amica or another insurer for at least two years.
Enrolling in autopay.
Bundling renters and auto insurance (earn up to 15% off).
Being claims-free for three or more years.
Receiving policy statements electronically.
The company also offers some potential savings for those who hope to buy a home someday. For each year you have an Amica Renters Essentials policy, you can earn $100 to spend on a future Amica homeowners insurance policy, up to a maximum of $500.
» MORE: The cheapest renters insurance
Consumer complaints
Amica renters insurance had far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Consumer experience
Website: Amica's user-friendly website lets you get an online quote, file and track claims, and chat with a customer service specialist.
App: Amica’s mobile app is available on Android and iOS. The app allows you to view your policies and to report and track claims. It also lets you pay your bill, access insurance ID cards and contact customer service.
Claims: You can file a claim on Amica’s website, through its mobile app or by calling 800-242-6422. You can also report your claim via live chat on weekdays from 8 a.m. to 9 p.m. ET and Saturdays from 10 a.m. to 5:30 p.m. ET.
Customer service: Amica representatives are available via live chat on weekdays from 6 a.m. to midnight ET and on weekends from 7 a.m. to midnight ET. You can also contact Amica by phone at 800-242-6422 or visit a local office.
» MORE: Amica home insurance review
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 /5 |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Bottom line Ideal for renters who value coverage and customer service. | Bottom line Renters insurance coverage with a few useful add-ons. | Bottom line Renters insurance coverage from a large, tech-friendly company. |
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
In addition to renters insurance, Amica offers many other products including auto, homeowners, umbrella, condo and life insurance. Check out our Amica auto insurance review to learn more.
Amica’s low number of consumer complaints and its frequent appearance near the top of J.D. Power’s customer satisfaction surveys support its strong reputation for customer service.
As a mutual company, Amica is owned by its policyholders. You may be able to share in the company’s profits by buying a dividend policy, which costs more than a standard policy but could refund up to 20% of your premium. Dividend policies aren’t available on all types of insurance or in all states.
In addition to renters insurance, Amica offers many other products including auto, homeowners, umbrella, condo and life insurance. Check out our
Amica auto insurance review
to learn more.
Amica’s low number of consumer complaints and its frequent appearance near the top of J.D. Power’s customer satisfaction surveys support its strong reputation for customer service.
As a mutual company, Amica is owned by its policyholders. You may be able to share in the company’s profits by buying a dividend policy, which costs more than a standard policy but could refund up to 20% of your premium. Dividend policies aren’t available on all types of insurance or in all states.
Methodology
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
In This Review . . .
DIVE EVEN DEEPER IN INSURANCE
![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/06/email-verification-320x318.png)
Switching your insurance could save you hundreds a year.