[WARNING] Avoid Amica Renters Insurance: Amica Has A 1 1/2 Star Customer Rating on BBB! 

Studenomics Score:  2.3 Out of 5 Stars

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I think you’ll agree with me that you want a renters insurance company that you can trust will have the money to pay for any issues that arise and will handle your claims fairly. 

Unfortunately, the Better Business Bureau has seen quite a bit of complaints against this company. 

In fact, they have a very low customer satisfaction rating of 1 1/2 stars

There are plenty of renters insurance companies out there that have better ratings so you may want to avoid Amica Renters Insurance if you don't want to end up like one of the reviewers on BBB. 

In this article we’re going to review Amica Renters Insurance to see if this is the ideal renters insurance policy for your situation.

Keep on reading if you want to know everything there is to know about Amica Renters Insurance Review...



Amica has been around for over a century (113 years to be exact). The company has horrible customer service ratings on the Better Business Bureau's website. 

Known for:

  • Poor BBB Customer Reviews
  • Offering a wide range of insurance products (from life insurance to auto insurance) for you to find an insurance bundle to save money

Financial Rating:

Rated A+ for financial strength by A.M. Best

Who is Amica Insurance?

Amica Mutual Insurance has been offering insurance for 113 years, based out of Rhode Island. The insurance products range from life insurance to auto insurance.

According to the official website,

"Our employees are the key to providing exceptional service to our loyal policyholders."

We decided to review Amica Renters Insurance to see if you should be trusting them with your hard-earned money.


Website:  www.Amica.com

Phone:  (800) 242-6422

Address:  100 Amica Way, Lincoln, RI 02865-1167

How Does Amica Renters Insurance Work?

Does Amica have renters insurance?

The company is known for insurance and they definitely have renters insurance.

You can obtain almost any kind of insurance with Amica if you’re looking for an insurance bundle to save you some money.

Is Amica Renters Insurance legit?

This is the first thing we look at before we review a renters insurance company.

Amica is as legit as they come when it comes to the insurance industry. 

The company also has over $5.4 billion of assets and more than 1.6 million policies.

With a strong financial standing, you don’t have to worry about Amica not being able to pay its claims.

Is Amica Good Renters Insurance?

If you’re looking for excellent customer service, then you’re going to want to look into Amica for your renters insurance coverage.

Amica offers a variety of insurance options across the country. 

Editor Review

Our editor's scores for Amica Company for pricing, customer service, policy options, and financial stability:

Studenomics Score: 2.3 Out of 5 Stars

PRICING SCORE:  2 Out of 5

Why Does Amica Renters Insurance Cost More Than Competitors?

Amica has been in business for a long time and hopes customers buy based on their name not their prices. 

If you are looking for a renters insurance policy, you can find less expensive policies by choosing one of our top renters insurance companies

We can’t write a review without looking at the cost of the insurance policy. We found quotes for Amica Renters Insurance for NYC and San Francisco.

Here’s an estimated cost of Amica Renters Insurance costs in NYC: $21/month 

Here’s an estimated cost of Amica Renters Insurance costs in San Francisco: $26/month

Keep in mind that there are multiple variables that determine the cost of your renters insurance, including coverage limits, location of the property,  and even possibly your credit score may determine your insurance rates

How Much Is Amica Renters Insurance?

How much is Amica Renters Insurance? We looked around to see what the basic rates were and what kind of additional coverage could be purchased. 

The screenshots will give you a feel for what the different rates are across the country.

Please keep in mind that renters insurance rates depend on your background (claims history and credit history), the type of unit you live in, and where you live.

Amica Renters Insurance Quotes

We looked around to obtain quotes for Amica Renters Insurance.

We observed that Amica can offer you a quick quote or they could offer you a customized quote based on your situation.

For the sake of this research, we included the quick quote.

Here are a few questions you should expect when looking for an insurance quote:

  • Are you an Amica customer?
  • Do you currently have any insurance?
  • Has your insurance policy ever been not renewed?
  • All of your personal information.

You’re also going to want to think about these questions that pop up when you apply for renters insurance.

As always, we urge you to play around with your own numbers to see what renters insurance would cost you.

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Pro Renters Insurance Tip

Renters insurance doesn't just cover the replacement of your belongings, but also protects you if someone gets hurt on your property.  Limits usually start at $100,000.

Is Amica Worth The Cost?

Should you part with your hard-earned money for this insurance policy?

It depends on what you’re looking for.

Based on customer reviews on the Better Business Bureau's website many people would say that Amica is not worth the cost and you should look elsewhere. 

Can I Bundle My Amica  Renters Insurance With My Auto Insurance?

Are you looking to bundle your auto insurance with your renters insurance? There’s good news for you because you can bundle insurance with Amica. 

To take things a step further, Amica also offers other types of insurance. Amica offers everything from life insurance to small business insurance.

According to Amica, you can actually save up to 15% when you bundle auto insurance with renters insurance.

Studenomics Pricing Score:  2 out of 5


How is Amica's Reputation for Service?

Add reviews, Glassdoor, BBB, Reddit - These are always indicative of customer service.  Add their score and total number of reviews.  For Reddit, it will be overall sentiment.

Number of Ratings:  53

Glassdoor Rating:  61% recommend

Number of Ratings:  381

Reddit Sentiment:  Unfavorable

Number of Comments:  multiple threads

Overview of the general sentiment, positive or negative.  What are most people talking about.

We take reviews from our peers and from customers into consideration when we review any company. This is why we look through Reddit and other trusted resources to see what others had to say about Amica Renters Insurance.

We feel that Amica Insurance is over priced and under delivered if you want a company that you can trust financially and if you’re looking to save money with bundles. 

Amica Renters Insurance Review Reddit

We typed in Amica Renters Insurance Reddit to see what kind of responses we would find.

“Renters Insurance Amica Reddit” brought us some interesting discussion on this insurance company.

How Do You File An Amica Renters Insurance Claim?

The good news is that you can file a claim 24/7 with Amica Renters Insurance.

How do you file a claim on your Amica Renters Insurance policy?

File your claim online, on the mobile app or over the phone. 800-242-6422

Here’s the process for filing a claim with your Amica policy:

  • Contact the authorities if there’s a theft or your landlord if there are any damages.
  • File your claim online, on the mobile app, or over the phone.
  • Wait to see if this is a covered situation.
  • Get a check for your money minus the deductible.

Studenomics Customer Service Score:  4 out of 5


What Does Amica Renters Insurance Cover?

What’s covered with your Amica Renters Insurance? We took a deep dive at the official website to see what the coverage is like with Amica Renters Insurance. 

Personal property coverage. 

This will cover your damaged or stolen property at home or even when you’re traveling. You’re protecting your valuables (everything from your clothing to your furniture)

Personal liability coverage.

If someone gets injured while visiting you or has their property damaged on your watch, this coverage will help you out.

Liability coverage will also help deal with any legal fees that result from the aforementioned situation (legal assistance against claims and the cost of settling in court).

Loss of use coverage. 

If you can’t live at home due to damages, your living expenses will be covered.

Loss of use coverage ranges from hotel stay expenses to your increased food bill.

That’s not the only Amica Renters Insurance coverage that you can get.

As with most renters insurance policies, you can customize your plan and spend a few extra dollars for upgrades depending on what you need. 

What additional protection can you purchase with Amica Renters Insurance: 

  • Personal property replacement. This will give you the full repair or replacement (up to your coverage limit) regardless of the depreciated value.
  • Smart devices and computers. Do you have any expensive devices? 
  • Scheduled personal property. This gives you a broader level of protection for your more expensive items (jewelry, expensive art, and so on).
  • Identity fraud. You get reimbursed for any issues related to identity theft.

Your Amica Renters Insurance coverage will depend on your budget and your current situation.

You may be able to get by on the basic plan or you may have to purchase additional protection.  

This is why it’s important that you customize your plan to fit your lifestyle. 

What Isn’t Covered By My Policy

Since we looked at what your Amica Renters Insurance policy covers, it’s time to look at what’s not covered so that you don’t have false expectations or so that you can make some modifications.

Here are things that may not be covered with a basic Amica Renters Insurance policy:

  • Flooding insurance if your area is prone to flooding.
  • Riders for your more expensive items.
  • Limits to your coverage amounts.

As with any renters insurance policy, it’s imperative that you look over your coverage to see if anything is missing.

Can I Add My Roommate?

Can I add my roommate? Yes, you can. When you look for a renter's insurance quote, it's important that you inform them of how many people you live with so that everything gets protected.

Studenomics Policy Options Score:  5 out of 5


What is Amica's Financial Rating?

Amica scored an A+ from A.M Best.  This is a very respectable rating and one of the main factors that we consider when we review a renters insurance company.

This means that you can rely on Amica Insurance to have the financial resources to pay out any possible future claims. 

This allows us to score them a 5 for financial strength.

Studenomics Financial Strength Score:  5 out of 5

"The process was very smooth and they deposited the money in my account in less than 3 days."

Ayman A. - BBB Review

Pros and Cons of Amica Renters Insurance?

What are the pros and cons of Amica Renters Insurance? Every renters insurance policy varies.


  • Excellent customer service 
  • Strong business ratings
  • Flexible coverage
  • Many discounts
  • 24/7 claims


  • You can't purchase policy online   
  • Average coverage

Let's take a deeper dive at the pros and cons of Amica Renters Insurance. 

What are the pros of Amica renter’s insurance?

  • Amica is a trusted insurance provider with a long history.
  • Exceptional customer service. Rated highest customer satisfaction in the country for customer satisfaction in a J.D Power study.
  • Strong financial ratings mean that you don’t have to worry about any issues with claims in the future. 

What are the cons of renters insurance Amica?

  • You can’t purchase your policy online. You can obtain a quote only.
  • The coverages aren’t anything spectacular. Some of the other companies that we’ve reviewed offer much more coverage.

Those are the pros and cons to think about with Amica Renters Insurance. 

Does Amica Offer Insurance In My State?

Amica offers renters insurance in almost all 50 states (they’re currently not available in Hawaii).

You can also check the best renters insurance rates by state using the map below.

How to Cancel?

Has your situation changed? Are you looking to cancel Amica Renters Insurance?

To cancel your policy, you have to call 800-242-6422. You can’t cancel your policy online. 

Final thoughts on Amica Renters Insurance...

That’s our review on Amica Renters Insurance. This is the ideal renters insurance policy for anyone looking for exceptional coverage and decent prices.

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