Amica Renters Insurance: What do Amica Customers Say? | Clearsurance (2023)

Renting an apartment for the first time comes with a lot of freedom, but also a lot of responsibility. You, solely, are responsible for insuring your items while you live in an apartment or other rental property— not your landlord.

For this reason, many renters choose to purchase renters insurance policies to protect themselves in case of an emergency. Amica Mutual Insurance Company provides renters insurance policies with great coverage for those who want the added security of having a plan in place if there's an issue with their apartment.

Having a renters insurance policy from Amica Insurance gives you coverage in a variety of different ways. Some examples include if your apartment was broken into, a pipe burst, fire, or any number of other covered perils with your renters insurance.

Renters insurance is typically affordable, and more than 17 percent of reviewers said Amica renters insurance had favorable rates. One user said, “My insurance company is great. They have been very helpful in helping determine my coverage needs and keeping my premium reasonable. They act in my best interest.”

Read on to learn more about Amica Mutual Insurance Company renters insurance, including what it covers and what customers say about their experience with the company.

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What does Amica renters insurance cover?

Amica is one of the most popular renters insurance providers in the United States. Like most other renters insurance companies, Amica also offers a number of other insurance products like car insurance, homeowners insurance, condo insurance, and more. Its renters insurance policy can be customized with any extra coverage you may need in addition to the standard coverages.

If you're renting your home, you will need insurance to replace items such as personal belongings, clothes, jewelry, furniture and electronic items in case of theft or damage by unexpected events such as fire, or storm. In most situations, standard coverage won't cover your belongings so you might be left with large out-of-pocket expenses.

Amica Mutual Insurance Company offers a number of coverage options to protect you when renting an apartment or home with your standard policy. One of the main coverages on a basic policy included in your renters insurance coverage is personal property coverage. This protects your personal items and covers property damage or loss, including personal property replacement coverage. Personal property coverage will replace your damaged or stolen possessions at home or while away (furniture, clothes, credit card and electronics.

In addition to covering your personal items from many different perils, Amica Insurance also protects you in the event a guest is injured while in your apartment by covering their medical payments. This is covered with personal liability coverage. Personal liability coverage provides protection in case someone is injured or has a personal item damaged. If you don't have this coverage, you'll be responsible for the associated costs.

Amica Mutual Insurance Company renters insurance will also cover your costs of living if you are displaced due to your apartment being uninhabitable. Loss of use coverage will pay for hotel costs, storage rental, food bills, etc.

There are optional coverages that you can include on your renters policy. You can also purchase an insurance rider for particularly expensive or high-value items in your apartment that might go beyond standard personal property coverage. You can find a full list of personal property coverage and coverage options on Amica's website.

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What do Clearsurance users say about Amica renters insurance?

As of December 21, 2020, Amica Mutual Insurance Company renters insurance has a Clearsurance score of 4.01, based on customer reviews and ratings. (For the most up-to-date rankings, visit our renters insurance rankings).

If you have file a claim for damages, you want to make sure you're going to get your money in a timely fashion and deal with good customer care. When Clearsurance users reviewed their renters insurance with Amica Mutual Insurance, more than 17 percent discussed the speed with which their claim was handled, and over 11 percent used the word helpful to describe Amica renters insurance. A lot of reviews discuss customer satisfaction and claims satisfaction when they had to file claims.

One Clearsurance reviewer who had to file a claim with their Amica renters insurance said, “Amica has terrific customer service. They are quick to process changes to your coverage and even quicker when settling a claim. They answer all your questions thoroughly and you are never on hold for a long time.”

Another Clearsurance user who had to file claims said, “I recently found mold that needed remediation in my home rental, the house I couldn't sell when I lost my job and had to rent it out to save it. Amica sent an investigator over to the house within 3 days, he had the report to me less than a week later and they are covering exactly what they said they would in the policy. Not only did I find out I had a good policy — I found out I had a good insurance company!”

When describing their experience with Amica renters insurance, no Clearsurance users discussed a rate increase, a claim dispute, or a miscommunication. Customers seem to generally be happy with customer service, the ability to track claims, and the types of coverage offered by Amica.

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What ways can you save with Amica renters insurance?

Amica offers a variety of different renters insurance discounts you may be eligible for on your insurance policy to lower your monthly cost of renters insurance. You can receive discounts by going paperless and receiving all bills and policy information through your email, and by setting up autopay for your premium.

Another big way to get discounts and lower the cost of renters insurance is to combine your renters insurance with other lines, such as your auto insurance policies or other types of coverage. You can lower your insurance rates with various discounts offered by Amica.

Amica also focuses on customer loyalty, and it rewards customers who stay with Amica many years and are claim-free. You may receive a loyalty discount on your Amica renters insurance if you've been an Amica customer for at least two years, and you also receive discounts for being claim-free for at least 3 years.

One longtime Amica policyholder and Clearsurance user said in their review, “I have been with Amica Mutual for over 10 years. Their pricing is far less than most of the big name. Claims are handled quickly and efficiently. Since I have been so happy my daughter and her husband use Amica Mutual too.”

(Video) Amica stories: Helping a policyholder through a difficult time

How can Amica renters insurance help you?

Amica renters insurance covers you from potentially having to replace everything in your apartment if there was a disaster situation. Having a renters insurance company like this on your side allows you to be comfortable in knowing you have protection for your personal belongings.

Some landlords may require their tenants to purchase renters insurance, but even those who aren't required to should look into their coverage options, and consider the potential consequences of not having coverage.

You can read more reviews about Amica renters insurance here or write a review about an experience you had with your insurance you want to share with the Clearsurance community. Also, be sure to check out Clearsurance's rankings page for the best renters insurance in your area.

If you are looking for cheap renters insurance, use our free tool below to get renters insurance online quotes that you can compare to find the most affordable option.

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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.


Is Amica good at paying claims? ›

Amica ranked better than most other companies for both auto insurance shopping and auto insurance claims customer satisfaction, ranking #3 and #1 respectively on J.D. Power's 2022 auto insurance studies.

Is Amica a legit company? ›

Claims satisfaction (J.D. Power) — Excellent: Amica earned the fourth-best rating in J.D. Power's 2021 claims satisfaction study. Customer satisfaction (J.D. Power) — Excellent: Amica received excellent marks for its customer service from J.D. Power.

What is the main reason someone would want to have renters insurance? ›

Renters insurance can help you repair or replace property after loss due to many types of damage or theft. It can also provide coverage for an accident at your residence. Policies usually have very affordable annual premiums. Note that your landlord's property insurance doesn't cover your belongings.

How does Amica insurance rank? ›

Amica is No. 5 in our Best Homeowners Insurance Companies of 2023 ratings, tied with American Family Insurance. It is also No. 5 in our Cheapest Homeowners Insurance Companies of 2023 ratings.

How does Amica compare to other insurance companies? ›

Auto insurance takeaway: Amica's rates for car insurance are on the high side, with prices far higher than we found at Geico, Progressive or Allstate. But its service is very highly rated by drivers. Home insurance takeaway: Amica's home insurance prices are about average, but its claims service is well-rated overall.

Which one of the following is not covered by renter's insurance? ›

Renters insurance does not cover major weather events like earthquakes, landslides, sinkholes and floods. The policy also will not cover pest infestations (including bed bugs) or coverage for your roommate's possessions if they aren't a named insured on the policy.

Why should you not cancel renters insurance? ›

If you are moving, it's generally best to keep your current renters insurance in place until after you complete your move for a few reasons: Renters insurance provides some coverage of your possessions while they are being moved or in a storage unit.

What are the three major parts of a renters insurance policy? ›

Renters insurance, sometimes referred to as tenants insurance, includes three basic types of protection:
  • Personal Possessions.
  • Liability.
  • Additional Living Expenses.

Which insurance company is best for claim settlement? ›

The individual death claim settlement ratio of the life insurance industry increased to 98.64 per cent in 2021-22 from 98.39 per cent in the previous year, as per Irdai's report. Max Life Insurance has the highest claim settlement ratio in terms of the number of claims with 99.34 per cent for the year 2021-22.

Which insurance is best in claim settlement? ›

United India Insurance tops the chart with a 97.25 per cent claim-settlement ratio.

Which company has best claim settlement ratio? ›

Top 10 Claim Settlement Ratio Health Insurance Companies in India
  • Edelweiss General Health Insurance Company Limited.
  • Star Health and Allied Insurance Company Limited.
  • Kotak Mahindra General Insurance Company.
  • HDFC ERGO Health Insurance Company Limited.
  • IFFCO Tokio General Insurance Company Limited.
1 day ago

Which car insurance has best claim settlement ratio? ›

ICICI Lombard General Insurance Co.

The company has a tie-up with more than 5600 garages across India and has a motor insurance claim settlement ratio of 92.2% within 30 days of claim intimation.


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