Amica vs Allstate

Kaitlyn Short
Kaitlyn Short | Senior Editor

Amica and Allstate are both trusted insurance companies. Although you'll find essential home insurance coverage with both companies, each company offers additional coverage and categorizes their policies differently. 

If you're looking for savings, you'll find discounts at each company although Allstate offers a few more than Amica.

Amica logo
#22 Amica

Insufficient Reviews

4.0
star star star star star_border
(3)
Allstate logo verified_user
#4 Allstate
6.8 Overall Score
4.4
star star star star star_half
(91)

Overview

Amica

A.M. Best Financial Strength Rating

N/A

Demotech Financial Stability Rating

N/A

Customer Service Options

Phone, Live Chat, Email, In-Person

Time in Business

Undisclosed

Allstate

N/A

N/A

Phone, Live Chat, Email, In-Person

Undisclosed

Ratings

Amica

Overall Score
0.5 of 10
Review Score
4.0
star star star star star_border
Value for Money
4.5
star star star star star_half
Quality of Product or Service
5.0
star star star star star
Company Trustworthiness
5.0
star star star star star
Likely to Recommend
9.0 of 10

Allstate

6.8 of 10
4.4
star star star star star_half
4.3
star star star star star_half
4.3
star star star star star_half
4.3
star star star star star_half
8.1 of 10

Reviews

Amica

Number of Reviews
3
Review Breakdown
4.0
star star star star star_border
5 star
33%
4 star
33%
3 star
33%
2 star
0%
1 star
0%

Allstate

91
4.4
star star star star star_half
5 star
62%
4 star
20%
3 star
12%
2 star
4%
1 star
2%

Reviews for Amica

Helpful Favorable Review

star star star star_border star_border

Robbie

September 22nd, 2022

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Review Source

They are in the process of settling a claim for an incident that happened on our property perpetrated by our neighbor who cut down our tree. Not satisfied with the settlement.

Helpful Critical Review

None Available

Reviews for Allstate

Helpful Favorable Review

star star star star star

David Bornancin

August 2nd, 2022

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Review Source

I have used and purchased Allstate Home insurance before and it was great. I look for a company that asks the right questions such as type of coverage, deductibles, medical coverage, property coverage and levels and provides a powerful staff to address all your needs when something goes wrong or damage to your home. Great company and service.

Helpful Critical Review

star star_border star_border star_border star_border

RLuff

February 6th, 2022

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Review Source

If you are involved in an accident and it is your fault, you are very likely to be sued. Allstate NEVER settles claims easily resulting in the other party getting an attorney. I know. I am a lawyer. The end result is you get called for depositions and trial so Allstate can save some money.

The Final Word

Both companies offer the standard home insurance coverage. Amica stands out because it also offers extended home insurance, home business, and its signature Platinum Choice ® Home coverage options. With these options, you can balance coverage and cost.

Amica also offers dividend home insurance policies. Premiums are sometimes higher on these policies, but you'll receive dividend payments ranging between 5 and 20 percent of the annual premium. Dividend home insurance isn't a common offering, so Amica is a good choice if you're interested in dividend payments.

Although Allstate doesn't offer options the same way Amica does, it does offer riders that add coverage. Through these riders you can balance coverage and cost. Allstate also offers a HostAdvantage® policy that offers coverage if you rent out your furnished home.

Both Amica and Allstate offer discounts, which make it easy to save on your home insurance policy. Discounts are available from both companies for having multiple policies, loyalty, signing up for autopay, being claim-free, and installing detection or protective devices in your home.

Amica also offers a credit for new or remodeled homes.

Allstate offers discounts for responsible payment, being a new homeowner or buying a newly built house, and an early signing discount. If you're looking for discounts, Allstate offers more than Amica does.

Although you'll find good coverage from either company, Amica is recommended if you're looking for more pre-set policy options, home business coverage, or a dividends policy. On the other hand, Allstate offers riders that allow you to customize your coverage and offers more discounts. It also stands out with its HostAdvantage® policy if you're planning to rent your home.

Top Choice

Allstate Logo
Allstate

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