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LAST UPDATED: January 11th, 2021

Amica renters insurance is competitive for the industry. In addition to the standard coverages, you can include optional coverage like identity fraud protection to your policy.

Amica stands out from other renters insurance companies for the number of discounts it offers with its renters insurance policies. If you're looking for a competitive insurance product and ways to save, Amica renters insurance is worth exploring further.

Founded in 1907, Amica is a dependable insurer. Its industry experience combined with high financial strength ratings make it a reliable choice when buying an insurance policy.

Top Ranked Companies


The Good

  • Competitive Coverage
  • Identity Fraud Coverage
  • Good Discounts
  • Online Quotes
  • High Financial Strength Ratings

Competitive Coverage

Amica's offers standard renters insurance coverage. Its policies include personal property, personal liability, and loss of use coverage.

You can also include additional coverage in your policy. These optional coverages include personal property replacement, smart devices or computer, scheduled personal property, and identity fraud. Scheduled personal property is specific coverage for expensive items like jewelry.

Identity Fraud Coverage

Amica's option identity fraud coverage is comprehensive. With this coverage option, you can be reimbursed for legal fees, notary costs, and lost wages up to a certain amount.

You'll also benefit from a resolution expert's assistance via a toll free number. The resolution expert can help you with documentation and working with credit bureaus, creditors, government agencies, and law enforcement.

Amica's identity fraud coverage also offers a year of credit and fraud monitoring if your wallet is stolen.

Good Discounts

Insurers tend to offer fewer discounts on renters insurance than on other insurance products. However, Amica offers a good number of renters insurance discounts. Available discounts include loyalty, multiple insurance products, claim-free, autopay, and a discount for going paperless.

To qualify for the loyalty discount, you must be a customer for two or more years. The claim-free discount is available if there have been no claims for three years.

Online Quotes

Like many other insurers and insurtech companies, Amica makes it easy to get a renters insurance policy quote online. This convenience makes it easy to estimate costs and allows you to get that information when you need it.

High Financial Strength Ratings

High financial strength ratings are common among top insurance carriers. These ratings indicate the likelihood that an insurance company will be able to meet its claims obligations. Since Amica has received high financial strength ratings, you can trust the policy you buy.


The Bad

  • Limited Customer Insight

Limited Customer Insight

Amica does not have many reviews on More Amica renters insurance reviews are necessary to understand customer satisfaction levels and make a full recommendation.


The Bottom Line

Although additional customer insight is necessary, Amica is a reliable insurer and offers competitive renters insurance. Amica may be an especially good option if you're interested in identity fraud coverage or policy discounts.

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