Amica
- Very low rate of consumer complaints.
- Many ways to get customer service.
- Renters can earn credit toward a future homeowners policy.
- Not available in Alaska or Hawaii.
About Amica renters insurance
Amica renters insurance earned 5 out of 5 stars for overall performance. With a low rate of consumer complaints and an 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.
Based on its star rating, Amica is among NerdWallet’s Best Renters Insurance Companies.
Best for: Those who prioritize strong customer service.
Not ideal for: Renters in Alaska or Hawaii, where Amica’s policies aren’t available.
Where Amica stands out
Consumer complaints. Amica draws a very low rate of complaints to state regulators compared to other companies.
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 can earn 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.
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What Amica renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Optional coverage
For policyholders who need additional coverage, Amica offers several options:
Personal property replacement cost coverage. Pays to replace damaged or stolen items with brand-new ones. If you don't add this coverage, Amica will cover your belongings on an actual cash value basis. That means you'll get less of a claim payout for older items that have lost value.
Water backup coverage. Pays to repair or replace your belongings if they’re damaged by water from a backed-up drain or failed sump pump.
Scheduled personal property coverage. Adds extra coverage for valuables like wedding rings or fine art.
Smart devices and computer coverage. Covers phones, tablets and computers for scenarios like accidental damage.
Identity fraud coverage. Assists with expenses if your identity is compromised. This includes help with documentation and a year of credit monitoring.
Most renters insurance policies don’t cover flood damage. If your home is at risk, you might want to consider buying flood insurance for renters.
Discounts
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 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 $500.
» MORE: The cheapest renters insurance
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Amica scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: Amica renters insurance ranked well above average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where Amica renters insurance is available
Amica renters insurance is available in Washington, D.C., and all states except Alaska and Hawaii.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: Amica's user-friendly website lets you get a quote, file and track claims, and chat with a customer service agent.
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 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 Monday through Saturday.
Customer service: Amica representatives are available via live chat seven days a week. You can also contact Amica by phone at 800-242-6422 or visit a local office.
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Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Other Amica products
NerdWallet's reviews of other Amica insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does Amica offer?
What other types of insurance does Amica offer?
Amica sells many other products including auto, homeowners, umbrella, condo and life insurance.
Does Amica have good customer service?
Does Amica have good customer service?
Amica has a strong reputation for customer service, and the numbers bear that out. It draws a low number of consumer complaints and appears often near the top of J.D. Power’s customer satisfaction surveys.
Who is Amica owned by?
Who is Amica owned by?
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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star 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 affordability, financial strength, consumer experience and coverage options. 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 from 2022 through 2024. 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.
