Amica Home Insurance
Amica Insurance offers homeowner, renter, and condominium insurance in every state except Hawaii and Alaska as well as easy-to-access quotes online. A variety of insurance policies are available through Amica, but all of them have two coverages in common:
- Property coverage reimburses you for the cost of damages to the structure of your home and the structure of other small buildings on your property as well as your personal possessions.
- Liability coverage takes care of legal damages and legal representation costs that you may incur when others are injured on your property as a result of a covered loss. This covers both medical costs for guests at your home as well as the cost of damage to their property.
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There are other coverages that may be included in your Amica homeowners insurance policy. Each insurance policy is different, tailored to suit the individual needs of the policy holder, so check carefully to see what is included in yours. Some provisos that may be apart of your policy include:
- Loss of use coverage pays for the increase in your cost of living when you can no longer live in your home after a loss that is covered on your policy.
- Necessary repairs coverage takes care of temporary repairs in order that more loss is not incurred after the initial damage.
- Debris removal coverage absorbs the cost for debris that must be removed after a covered loss occurs.
- Property removal coverage pays for the cost of moving your property should it become necessary in order to protect it from a coming disaster that is covered by your home insurance policy.
- Credit card coverage is even available through some Amica home insurance policies. You may be covered for a limited amount of unauthorized charges to your credit cards and accidental receipt of counterfeit money.
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Since 1907, Amica has been building a reputation that has turned it into the insurance company with the highest rate of customer retention. More than a third of its customers hold policies with Amica for 20 years or more.
Why do policyholders stay with Amica? For one thing, this Fortune 500 company’s ratio of staff to policy holder is one of the highest in the industry. They listen to their customers, finding most of their new policyholders through current client referrals. But it's not just their clients who know how special Amica is. They are well renowned by expert analysts in the industry. Some of their awards and ratings include:
- Highest in Overall Satisfaction award from J.D. Power and Associates, 2003
- Prestigious AA rating from Standard & Poor’s
Amica offers its clients and potential policyholders free online consumer newsletters with content focusing on health and safety topics to assist them in making better informed decisions concerning their home insurance policy coverage.
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