Amica Car Insurance

Amica offers a variety of home, renters, and condominium insurance to specifically cover loss or damage to your living space and belongings. 

Available coverages and discounts may vary by state, but will most likely include:

• Other structures: Covers structures detached from your home, such as a garage or shed.
• Increases in living expenses: Reimburses you to live somewhere if you're unable to live in your home after a loss.
• Temporary repairs: Covers repairs that need to be made in order to prevent further damage to your home after a loss.
• Away from home: Covers incidents such as theft of personal property from your hotel room.
• Coverage for credit card loss: Reimbursement up to the policy limit for unauthorized use of your credit cards.
• Liability coverage: Provides protection, such as the cost of legal representation, from covered property damage or bodily injury claims made against you or a family member living with you. This protection follows you worldwide.

Additional Amica homeowners insurance coverages options include:

• Automatic Dwelling: Covers the cost to repair or rebuild your home when it exceeds your original coverage limit.
• Personal Property Replacement: Covers full repair or replacement cost of your personal property regardless of depreciation.
• Scheduled Personal Property: Covers a wide range of valuables such as furs, jewelry, and fine art.
• Catastrophic: Covers earthquake and flood damage.

Amica offers standard protection for you, your motorcycle, and your passengers.

Available coverages and discounts may vary by state, but will most likely include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident.
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.

Renters insurance with Amica protects the personal belongings you’ve been accumulating for years. 

Available coverages and discounts may vary by state, but will most likely include:

• Personal property: Covers replacement cost of your possessions due to loss or damage from fire, theft, vandalism, and other risks. 
• Liability protection: Covers claims made against you or a family member for property damage or bodily injury. This coverage follows you worldwide. 
• Loss of use: Covers costs of staying in a hotel when you are unable to occupy your apartment after a loss. 
• Travel protection: Coverage for credit card loss, and stolen or damaged belongings while you’re traveling.
• Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards.

 Additional renters insurance options from Amica include:

• Personal property replacement: Covers full repair or replacement of your personal property, regardless of depreciation.
• Scheduled personal property: Provides broader protection for valuables such as furs, jewelry, and fine art. This is a great coverage to have for engagement and wedding rings.
• Special computer: Protects your computer, laptop, tablets, or smartphones due to loss from certain perils.

Your condo association carries insurance for the exterior structure of the building and other association-owned property. However, this will not cover the personal property or your legal responsibility within your condo unit. 

You may need your own policy to protect your wallpaper, carpeting, fixtures, and any other items not covered by your association. 

Available coverages and discounts may vary by state, but will most likely include:

• Dwelling coverage: Covers building items, such as appliances, fixtures, improvements, and interior walls not covered by your association's policy.
• Personal property: Covers your belongings from a variety of perils, including fire, windstorm, smoke, theft, and vandalism.
• Liability coverage: Protects you for claims for property damage or bodily injury made against you or a family member. This coverage is worldwide. 
• Loss assessment: $1,000 automatic coverage for association assessments that result from a covered loss involving association property.
• Extra living expenses: Covers the cost to stay in a hotel if you're unable to live in your condo after a covered loss.
• Debris removal: Covers the cost of removing debris after a loss.
• Hotel theft: Coverage for theft of personal property from a hotel room when you’re away from home.
• Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards.

Amica offers a variety of term and whole life insurance products to fit everyone’s specific needs. 

Available coverages and discounts may vary by state, but will most likely include:

Level Term Life Insurance:Provides coverage for a specific period of time. Term life insurance usually has no cash value. You have the option to select a 10-, 15-, 20-, 25-, or 30-year level-premium policy. Your premiums rates are guaranteed to stay level throughout your term period. You may add optional riders, such as:

• Optional Cost of Living Adjustment Rider: Offsets inflation by increasing your policy’s face value each year without raising your premium rates.
• Conversion Option: Turns your term policy to any permanent life insurance policy available, regardless of your health.
• Terminal Illness Rider: Allows you to receive a portion of your benefits if you become terminally ill.
• Optional Benefits and Riders: Optional benefits and riders include waiver of premium, children's insurance, and accidental death.
• Streamlined Process: If you qualify,  you may not need to complete any medical testing.

Whole Life Insurance: A permanent policy with a cash value death benefit that can borrowed from through loans. Amica’s whole life policies are valid for as long as you live, and the face value and premium rates are fixed at the time of your purchase. You may apply to receive an Advance Payment Amount if you’re diagnosed with a terminal illness and given a year or less to live. Optional benefits and riders include:

• Waiver of premium
• Children's insurance
• Accidental death
• Guaranteed option to purchase additional insurance

Simplified Whole Life Insurance: This coverage provides affordable protection and guaranteed premiums for your entire life, up to the age of 120. There are no medical exams necessary. Amica offers flexible payment methods for this coverage.

Umbrella insurance provides you with additional liability insurance beyond your auto and home policy limits. 

Amica offers a variety of umbrella coverage limits, starting at $1 million.

Amica provides comprehensive land and water insurance coverages for your boat or yacht, including waterway towing. 

Amica has partnered with Hiscox Insurance Company, Inc. to offer small business insurance to Amica customers. 

Available coverages and discounts may vary by state, but will most likely include:

• General liability: Covers third-party claims for bodily injury, medical costs, and damage to someone else’s property.
• Professional liability: Covers defense costs if you’re involved in a lawsuit.
• Business owner insurance: Combines general liability and business equipment coverage.