Amica vs Allstate

Alice Stevens
Alice Stevens | 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
#20 Amica
Insufficient Reviews
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(0)
Allstate logo verified_user
#5 Allstate
7.8 Overall Score
4
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(16)

Overview

Amica

Allstate

Price
Price
Undisclosed
Undisclosed
Time In Business
Time In Business
113 Years
89 Years

Ratings

Amica

Allstate

Overall Score
Overall Score
3.9 of 10
7.8 of 10
Review Score
Review Score
0.0
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4.0
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Value for Money
Value for Money
0.0
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3.9
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Quality of Product or Service
Quality of Product or Service
0.0
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3.7
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Customer Service
Customer Service
0.0
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3.9
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Company Trustworthiness
Company Trustworthiness
0.0
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3.8
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Likely to Recommend
Likely to Recommend
0.0 of 10
6.3 of 10

Reviews

Amica

Allstate

Number of Reviews
Number of Reviews
0
16
Review Breakdown
Review Breakdown
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5 star
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4 star
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3 star
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2 star
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1 star
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4.0
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5 star
56%
4 star
19%
3 star
0%
2 star
13%
1 star
13%

Reviews for Amica

Helpful Favorable Review

None Available

Helpful Critical Review

None Available

Reviews for Allstate

Helpful Favorable Review

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Mandie Bremer

January 17th, 2021 Moncks Corner, SC DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Company trustworthiness
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My parents had this insurance about 20 years ago our basement caught on fire and Allstate did everything they could to make sure the process ran smoothly and we got everything that was lost in the fire replaced.


Helpful Critical Review

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Geoff Hk

January 17th, 2021 Beverly Hills, CA DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Allstate hired a consulting firm years ago which advised it not to give out any payouts to insured customers even if they were entitled to do it. And to fight it everystep of the way. My neighbor is a doctor who had house insurance with them and his house was destroyed by a fire (not his fault) and even though he was clearly covered in the details of his policy they denied his claim. He had to take them up the court system (took years) to finally get justice. He won his case but it was a huge headache and use of his time. Stay away from Allstate. You're NOT in good hands with Allstate! (Besides their 'hands' are there just to pick your pocket if my neighbor's experience is any indication). I myself had a small policy with them but cancelled it after this incident.


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.

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