Amica ranks second overall in the country compared to national and regional insurers due to its high scores for customer satisfaction, coverage and financial strength. While it can be a great option for those with minimal personal property, whether it suits you with higher coverage levels depends on your circumstances.
Amica Renters Insurance Review
Updated: June 26, 2025
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Key Takeaways
Amica ranks 12th in the nation for affordability, with average premiums of $14 monthly or $168 annually for $50,000 in property coverage.
Amica ranks third in customer satisfaction due to its high industry ratings for satisfaction across the board and low complaints index.
Coverage is where Amica performs second best nationally.
Amica Renters Insurance Ratings
| Overall Score | 91 | 2 |
| Affordability | 58 | 12 |
| Customer Satisfaction | 22 | 3 |
| Coverage | 7 | 2 |
| Financial Strength | 4 | 2 |
Amica Renters Insurance Cost
Amica's average renters insurance costs range from $7 to $58 monthly. Because costs vary widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
Data filtered by:Results filtered by:
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Coverage Level:$50K Personal Property / $100K Liability
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All Perils Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| $50K Personal Property / $100K Liability | $14 | $168 |
Amica Renters Insurance Discount Options
Amica offers seven discounts, aligning with the industry average. Here are Amica's discount options:
Discount | Description |
|---|---|
Multi-policy | Save up to 30% off your premiums when you bundle your policies or up to 15% when combining renters and auto insurance. |
Dividend policy option | With dividend policies, you may receive up to 20% of your policy premium back if specific conditions are met. |
Smart home device | Certain smart devices in your home, like sensors that detect theft or fire, may qualify you for policy discounts. |
E-discount | Get discounts for signing up for e-bills and electronic policy information. |
Claims-free | Earn savings by being claims-free for three or more years. |
Loyalty | Available for being a policyholder with Amica or another insurer for at least two years. |
Autopay | Save money by enrolling in automatic payment. |
Amica Renters Insurance Customer Satisfaction
According to J.D. Power's most recent studies, Amica has significantly fewer customer complaints than expected for its size and ranks second for renters' claims satisfaction and second for overall customer satisfaction. For these reasons, the company ranks second overall for renters insurance customer experience in our study.
Amica Renters Insurance Coverage Options
Amica offers these additional renters coverage options:
Identity theft
Amica's identity theft insurance helps you recover from the financial and personal impacts of having your identity stolen, covering legal fees, lost wages and identity restoration expenses.
Flood insurance
Amica offers optional flood coverage to protect you in case your personal property gets damaged due to flooding.
Scheduled personal property
An add-on for renters who own high-value items that standard policies may not fully protect, allowing you to separately cover valuable belongings like jewelry, art or collectibles up to a specified value.
Water backup
Helps repair or replace your personal property if it's damaged by water from backed-up drains or sump pump failures.
Earthquake
You can get earthquake coverage as an add-on to your renters policy to be reimbursed if your property is destroyed by an earthquake.
Electronic
Optional coverage that specifically protects electronic devices like laptops, smartphones and tablets from losses not covered in your policy, such as accidental damage.
Amica Renters Insurance Review: Bottom Line
Amica can be a great choice for you, and according to our study, it ranks second overall in the country. However, there are more affordable providers, so we recommend comparing quotes from multiple insurers.
Amica Renters Insurance: FAQ
Below are some frequently asked questions about Amica renters insurance:
Is Amica renters insurance good?
Amica renters insurance ranks second nationally, making it a great choice. It scores high in customer satisfaction at third, but its affordability rank is 12th, indicating higher costs.
How much does Amica renters insurance cost?
Amica's renters insurance rates vary by personal profile, with average annual costs ranging from $80 to $693.
Is Amica's renters insurance cheap?
Amica's affordability ranking is 12, indicating below-average cost for renters insurance. It's a prime pick for customer satisfaction and coverage options.
How We Rated Renters Insurance Companies
To evaluate Amica as a renters insurance company, MoneyGeek obtained information directly from Amica's website and manually collected quotes. We also used information from consumer intelligence organizations such as J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best to see how Amica compares to other providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction — and Drive Policy Shopping, J.D. Power Finds." Accessed June 26, 2025.
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds." Accessed June 26, 2025.