Amica Insurance Review

1. Introduction to Amica Insurance
2. What Kinds of Insurance Does Amica Offer?
3. How Does Amica Insurance Work?
4. Pros and Cons of Amica Insurance
5. Ratings and Customer Feedback for Amica Insurance
6. Get Customer Support Or File A Claim For Amica Insurance
7. Frequently Asked Questions

Introduction to Amica Insurance

Amica Mutual Insurance Company is an auto, home, and life insurance carrier, founded in 1907 in Rhode Island. It is a mutual company, owned by policyholders, who receive a payout each year that Amica turns a profit. Amica was also the first auto mutual company in the United States and began with only automotive, fire and theft insurance; it added homeowners insurance to its offerings in 1956.

What Types of Insurance Does Amica Insurance Offer?

Amica offers a variety of personal insurance products, including: homeowners and condo insurance, RV and trailer insurance, renters insurance, auto and motorcycle insurance, liability and umbrella insurance, and flood insurance. Amica’s products also include specialty insurance such as small business, wedding and event insurance, and pet insurance.

Does Amica Insurance Offer Dividend Policies?

Yes, Amica offers policies that pay dividends, and traditional (non-dividend) insurance policies. Dividend-paying policies cost more upfront, but they return an average of 5-20% of the policy cost back to the policyholder.

Pros and Cons of Amica Insurance

Is Amica Insurance right for me?

Amica gets high marks for reasonable pricing, offers a variety of coverages and insurance policies for those who need many options. If you live in the continental United States (Amica does not cover Alaska or Hawaii), you could be eligible for Amica Insurance. If you have multiple assets to protect and want access to bundling discounts and unique options such as dividend policies, Amica Insurance could be a good fit for you. The best way to determine if Amica is the right fit for you, is to see if you’re eligible for a quote and compare 2-3 companies.

Real Online Reviews for Amica Insurance

Amica’s online reviews are mixed. On Reddit, customers write everything from “Beware” and “Terrible delays and lack of professionalism. I am highly disappointed in how our claim is being handled,” to “Love Amica. Always great customer service and their reps are easy to talk to. No complaints.”

On Trustpilot, reviews are overwhelmingly positive with a 4.5/5 average rating (Excellent) out of 4,2780 reviews.

Reviews at the Better Business Bureau (BBB) are weaker, with Amica averaging a 1.28/5 stars with 79 reviews, and 135 customer complaints closed in the last 3 years.

Get Customer Support Or File A Claim For Amica Insurance

Amica customers can get customer support for their policies, claims, and technical help through live chat, phone, mail, and email.

• Access Live Chat for claims and customer service here.
• Send a direct email to customer support here.
• Technical assistance: 833-915-0019

For Amica Auto, Home, Marine, and Umbrella Policyholders

• Call customer service or file a claim: 800-242-6422
• Mail payments, documents, or questions by mail to:
  • Amica Mutual Insurance Company
    PO Box 9128
    Providence, RI 02940-9128
• Call Roadside Assistance for 24/7 auto support: 866-286-9968

For Amica Life Insurance Policyholders

• Call customer service or file a claim: 800-234-5433
• Mail payments, documents, or questions by mail to:
  • Amica Life Insurance Company
    PO Box 9700
    Providence, RI 02940-9700

Frequently Asked Questions

Should I Buy Amica Insurance?

Deciding whether to buy an Amica policy depends on your insurance needs, preferences and the coverage and pricing Amica offers you. It has a wide range of insurance products, including auto, home, and more, with many different coverage options and premium options, including dividend-paying policies. It is essential to compare Amica’s offers, price, customer service reputation, and the convenience of their services with other carriers. Do you live in Washington, or California, Texas, New York, or Florida? Then Coverage Cat can assess your insurance needs.

Is Amica Insurance a Real Insurance Company?

Amica is a real company, and one of the oldest insurance companies in the United States. Amica has a long track record of business and it covers a wide range of insurance needs for homeowners, vehicle (car and boat) owners, and business owners. While Amica is smaller than some large insurance companies, in 2023 they were ranked #20 by NAIC for Homeowners Market Share, and #23 for Private Passenger Auto Market Share.

How Does Amica Insurance Make Money?

Insurance companies generate revenue in two ways. They collect premiums from customers (policyholders). And they invest those premiums in interest-bearing instruments to collect additional revenue paid by its customers for insurance policies it offers. The company pays out claims from aggregated premiums, but if it has managed its risk well, it can also use a portion of these premiums to generate income.

Does Amica sell insurance in California?

Yes, Amica offers insurance in California. Amica does not offer online quotes for California zip codes, but you can contact a sales representative at 800-242-6422 to get a quote. Amica also provides earthquake policies through the California Earthquake Authority for homeowners and renters insurance policyholders.

Is Using Amica Insurance Worth It?

Amica is well-suited to a variety of customers who need homeowners, auto, liability, or other coverage. They offer discounts for bundling multiple policies. But the best way to determine whether Amica is right for you is to use Coverage Cat to get your auto, home, and umbrella quotes. We'll find you the best possible offers and make it easy for you to buy your best possible policy.