Amica vs Allstate
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.
Overview
Amica
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Phone, Live Chat, Email, In-Person
Undisclosed
Allstate
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Phone, Live Chat, Email, In-Person
Undisclosed
Ratings
Amica
Allstate
Reviews
Amica
Reviews
Allstate
Reviews for Amica
Helpful Favorable Review
Brian Meekhof
April 6th, 2023
Camano, WA
Review Source
Before my divorce i had Amica home insurance and couldn't have been happier. Low payments, great coverage. Definitely recommend
Helpful Critical Review
Reviews for Allstate
Helpful Favorable Review
Kyrstyn Strehlke
July 7th, 2024
DETAILS
Review Source
We love this insurance company for all of our insurance needs and we have the best guy too, Weston he is top notch and always there when we need him, which seems to be often! Definitely great prices too saved us a ton of money!
Helpful Critical Review
Jaden Paul
July 1st, 2024
DETAILS
Review Source
Allstate initially offered me $866 for a water related damage but later on the company decided not to honor the check, even though the damage was well over $4000. They told me I was not covered by the type of incident so they decided not to issue even the paltry amount of $866.
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.
