Established in 1907 as an auto insurance company in Rhode Island, Amica has evolved into one of the nation’s largest insurance providers. Operating in 48 states, they now offer a diverse range of coverages, including homeowners insurance.
What truly distinguishes Amica is its exceptional customer service reputation, earning top marks among standard insurance companies according to J.D. Power. They present three distinct homeowners policies to cater to varying needs:
The Standard Choice policy provides flexible coverage options, including replacement cost coverage for your home and personal belongings, water backup coverage, and extended protection for devices like computers, tablets, and phones. It’s important to note that additional premiums may apply for these options.
The Platinum Choice policy offers enhanced coverage and expanded choices for valuable items and collectibles. Known as HO-5, this policy provides coverage for your personal property against all perils except those specifically excluded in the policy.
Additionally, policyholders have the option of a dividend homeowners policy, which returns 20% of the premiums paid each year. It’s worth mentioning that these policies are available only in select states, and the dividend rates may vary.
Amica has built a strong reputation and loyal customer base by making outstanding customer service their top priority. This unwavering commitment is what truly sets them apart. When hurricanes or tropical storms hit Columbia, homeowners find comfort in knowing that Amica is there to support them through these challenging times.