Amica Renters Insurance Review 2023

Amica has a large number of coverage options and ranks high in customer satisfaction.
Ciarra Jones
By Ciarra Jones 
Edited by Caitlin Constantine

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NerdWallet rating 
Ideal for renters who value coverage and customer service.

Coverage options

More than average


Average set of discounts

NAIC complaints

Far fewer than expected



NerdWallet rating 
Ideal for renters who value coverage and customer service.

Coverage options

More than average


Average set of discounts

NAIC complaints

Far fewer than expected

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. The company has been around since 1907 and sells policies in most U.S. states.

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 star rating


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 2023.

State availability

Amica renters insurance is available in Washington, D.C., and 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. If you don’t add this, Amica will cover your belongings on an “actual cash value” basis, which means you might get less of a claim payout for older items due to depreciation.

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

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

  • Identity fraud to cover expenses if your identity is compromised. This includes help with documentation and a year of credit monitoring.


In select locations, Amica offers discounts for:

  • Being a policyholder with Amica or another insurer for at least two years.

  • Enrolling in autopay.

  • Bundling renters and auto insurance (earn up to 15% off).

  • Being claims-free for three or more years.

  • Receiving policy statements electronically.

The company also offers some potential savings for those who hope to buy a home someday. For each year you have an Amica Renters Essentials policy, you can earn $100 to spend on a future Amica homeowners insurance policy, up to a maximum of $500.

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 lets you pay your bill, access insurance ID cards and contact customer service.

Claims: You can file a claim on Amica’s website, through its mobile app or by calling 800-242-6422. You can also report your claim via live chat on weekdays from 8 a.m. to 9 p.m. ET and Saturdays from 10 a.m. to 5:30 p.m. ET.

Customer service: 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 or visit a local office.

Where Amica stands out

Many ways to get assistance. Amica offers customer service by phone, via live chat and even in person if you live near a local office.

Credit toward insuring a future home. Loyal Amica renters policyholders may be able to get up to $500 worth of credit to use for homeowners insurance.

Where Amica falls short

Availability in Alaska and Hawaii. Renters in these states will need to find another insurer.

Other renters insurance companies to consider

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

  • Farmers: Offers a variety of discounts, including for doctors, nurses, teachers and police.

  • Nationwide: Well-established insurer with a wide range of coverage options.

  • State Farm: The country’s largest insurance company.

  • Travelers: Venerable insurer offering renters policies in most states.

Frequently asked questions

In addition to renters insurance, Amica offers many other products including auto, homeowners, umbrella, condo and life insurance. Check out our Amica auto insurance review to learn more.

Amica’s low number of consumer complaints and its frequent appearance near the top of J.D. Power’s customer satisfaction surveys support its strong reputation for customer service.

As a mutual company, Amica is owned by its policyholders. You may be able to share in the company’s profits by buying a dividend policy, which costs more than a standard policy but could refund up to 20% of your premium. Dividend policies aren’t available on all types of insurance or in all states.


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 2019-2021. 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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