Amica Renters Insurance Review 2022

Amica has a large number of coverage options and ranks high in customer satisfaction.

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With few consumer complaints, an easy-to-use website and mobile app and a wide array of coverage options, Amica renters insurance is worth considering.

Best for: Those who want a renters insurance company that prioritizes consumer experience and customizable coverage options.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Amica renters insurance pros and cons



Few customer complaints.

Not as many discounts as some competitors.

User-friendly website and mobile app.

How Amica renters insurance rates


NerdWallet rating 

Amica renters insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The renters insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Amica is among NerdWallet’s Best Renters Insurance Companies for 2022.

State availability

Amica renters insurance is available in all states except Alaska and Hawaii.

Amica renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

For policyholders who need additional coverage, Amica offers a few options:

  • Personal property replacement, which pays for the full replacement or repair of your personal property up to your coverage limit.

  • Scheduled personal property, for expanded coverage of valuables like wedding rings, furs or fine arts.

  • Smart devices and computer coverage to cover your phone, laptop, tablet, and/or computer.

  • Identity fraud, to cover expenses if your identity is compromised. This includes reimbursement for unauthorized usage of your credit card up to your coverage limit.


Amica offers several discounts, but they may not be available in all states and locations, so check availability.

  • Loyalty discount, which is available to policyholders who have been with Amica for at least two years.

  • AutoPay discount.

  • Multipolicy discount, which provides up to 15% off for bundling renters and auto insurance.

  • Claims-free discount, for policyholders who have not filed a claim in three years.

  • E-discount, for customers who choose to receive their policy statements electronically.

Consumer complaints

Amica renters insurance had far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: Amica's user-friendly website lets you get an online quote, file and track claims, and chat with a customer service specialist.

App: Amica’s mobile app is available on Android and iOS. The app allows you to view your policies and to report and track claims. It also allows you to pay your monthly bill, access insurance ID cards and get a free quote.

Renters insurance buying guide

Before you compare renters insurance companies, gather key information such as the address of the rental and any safety and security features the unit has.

You should also figure out how much coverage you need. Take a quick inventory of your belongings: How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.

Your liability limit should be high enough to cover your net worth, while your deductible should be an amount you’d feel comfortable paying in an emergency.

When evaluating renters insurance quotes, make sure each rate estimate includes the same coverage limits and deductibles so you know you’re getting a fair comparison. While it’s tempting to buy the cheapest policy, you may also want to read reviews of your preferred company to make sure it offers good customer service.

How to file a renters insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage, such as putting a tarp over a broken window to protect your belongings inside. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

Frequently asked questions

In addition to renters insurance, Amica offers:

Amica representatives are available via live chat on weekdays from 6 a.m. to midnight ET and on weekends from 7 a.m. to midnight ET. You can also contact Amica by phone at 800-242-6422.

Amica claim representatives are available via live chat on weekdays from 8 a.m. to 6 p.m. ET and Saturdays from 10 a.m. to 5:30 p.m. ET.

For auto, home, marine and umbrella claims, Amica representatives are also available 24/7 by phone at 800-242-6422.


Renters insurance ratings methodology

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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