Amica earned a 4.82 MoneyGeek score out of 5, securing the top national ranking among the best renters insurance companies. This ranking reflects a balanced evaluation of affordability, customer service and coverage offerings. The table below breaks down Amica's score and national rank for each category based on a sample renter profile.
Amica Renters Insurance Review
Updated: February 10, 2026
Advertising & Editorial Disclosure
Amica
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.9/5Customer Experience
3.6/5Coverage Points
Average Annual Premium
$116Number of Endorsements
5Number of Discounts
5
Key Takeaways
Amica offers five optional coverages, including scheduled personal property and electronics protection.
The company ranks seventh nationally for affordability and costs $116 annually for $20,000 in personal property coverage.
Amica ranks second nationally for customer experience with a perfect 5.00 score.
Amica Renters Insurance Ratings: MoneyGeek’s Review
| Overall | 4.82 | 1 |
| Customer Experience | 5.00 | 2 |
| Coverage | 4.20 | 20 |
| Affordability | 4.79 | 7 |
How Much Does Amica’s Renters Insurance Cost?
Amica charges $116 annually for $20,000 in personal property coverage, while $100,000 in coverage costs $323, reflecting the average cost of renters insurance at different protection levels. Your coverage limit and deductible affect your premium, along with factors like your location, credit score and claims history.
The table below shows Amica's rates across different coverage limits to help you find affordable renters insurance that matches your needs.
| $20K Personal Property / $100K Liability | $10 | $116 | -41% |
| $50K Personal Property / $100K Liability | $16 | $194 | -42% |
| $100K Personal Property / $100K Liability | $27 | $323 | -42% |
| $250K Personal Property / $300K Liability | $101 | $1,212 | 4% |
Amica Renters Insurance Cost by State
Your location significantly affects Amica's renters insurance rates because weather risks, crime statistics and regional construction costs vary across the country. Costs for $20,000 in personal property coverage range between $6 and $12 monthly, depending on your state. Toggle the table below to view Amica's renters insurance rates by state for a policy with $20,000 in personal property coverage and a $500 deductible.
Data filtered by:
Connecticut
| $20K Personal Property / $100K Liability | $9 | $110 | -42% |
| $50K Personal Property / $100K Liability | $17 | $209 | -33% |
| $100K Personal Property / $100K Liability | $30 | $365 | -26% |
| $250K Personal Property / $300K Liability | $96 | $1,151 | 7% |
Note: Data above is for states the company is available in. It is not reflective of the company’s availability in the state.
Amica Renters Insurance Discounts
Amica offers five discounts to help renters save on premiums, though discount availability varies by state, so contact an agent to confirm which savings apply to your policy. Review the table below for details on each discount.
Loyalty | Save when you've been with Amica for at least two years, with greater savings the longer you stay. |
Multiline | Bundle renters coverage and car insurance to save up to 15%. |
Claim-Free | Qualify for lower rates when you've had no claims in the past three years. |
AutoPay | Receive savings when you set up automatic premium payments. |
E-Discount | Save when you opt to receive policy information and bills electronically. |
What Does Amica Renters Insurance Cover?
Standard renters insurance coverages from Amica protect: your personal property, liability exposure and temporary living costs.
Personal Property Coverage
This coverage reimburses you for stolen or damaged belongings, including furniture, electronics, clothing and other personal items.
Personal Liability Coverage
This coverage handles legal costs and settlements when someone sues you for injuries or property damage that occur in your rental. It covers attorney fees, court costs and judgment amounts up to your policy limit.
Loss of Use Coverage
This coverage pays for hotel costs and meal expenses when your rental becomes uninhabitable due to covered damage. It also covers laundry services, pet boarding fees and other necessary living expenses while repairs are completed.
Optional Renters Insurance Coverages from Amica
Amica provides five additional coverages to customize your policy, though availability varies by state. These endorsements expand protection beyond standard coverage limits and exclusions. Contact an agent to confirm which optional coverages you can add to your policy.
Scheduled Personal Property | Protects high-value items like jewelry, art collections or collectibles that standard policies may not fully cover by listing them separately on your policy. |
Replacement Cost Coverage | Values your belongings at today's market price rather than their depreciated worth, allowing you to replace stolen or damaged items without paying the difference between original and current value. |
Electronics Coverage | Covers electronic devices like laptops, smartphones and tablets from losses not included in your standard policy, such as accidental damage. |
Water Backup Coverage | Pays to repair or replace personal property damaged by water from backed-up drains or sump pump failures. |
Identity Fraud Coverage | Covers costs like legal fees, lost wages and expenses related to restoring your identity after identity theft. |
What Does Amica's Renters Insurance Not Cover?
Amica's renters insurance excludes certain perils and situations from standard coverage, including flood damage, earthquakes, deliberate harm and commercial activities. The following list outlines what your policy won't cover.
Business Property and Liability
Equipment, inventory and liability related to running a business from your rental aren't covered by renters insurance. If you operate a business from home, you'll need separate business insurance or a business property endorsement.
Natural Disasters
Your policy won't cover damage you cause on purpose or through serious neglect. Insurance covers accidents and unexpected events, not intentional harm, criminal acts or major maintenance problems you ignored.
Intentional or Criminal Acts
Standard policies exclude flooding and earthquakes due to their catastrophic nature and geographic concentration. You'll need specialized flood insurance through the National Flood Insurance Program or private insurers, plus separate earthquake coverage if you live in high-risk areas.
How to Buy Amica’s Renters Insurance
Amica makes it simple to buy renters insurance online or through an insurance agent who can guide you through coverage options. The process involves several steps to ensure you get the right protection.
- 1Determine How Much Coverage You Need From Amica
Figure out how much renters insurance makes sense by listing your belongings and estimating what it would cost to replace them today. Adding up furniture, electronics, clothing and personal items helps you set a coverage limit that fits your situation without paying for coverage you do not need.
- 2Get a Quote From Amica Online or Through an Agent
You can request a quote directly on Amica’s website or speak with an agent for a more guided experience. Be ready to share details about your rental, coverage preferences and basic personal information to receive an accurate price estimate.
- 3Compare Amica's Policy Options
Look at how different coverage levels and deductibles affect your premium and protection. This is also the time to decide whether optional add-ons, such as scheduled personal property or water backup coverage, make sense for your rental and belongings.
- 4Request Available Discounts
Ask which of Amica’s five discounts apply to you, including savings for being claim-free or setting up automatic payments. An agent can confirm eligibility for loyalty discounts and paperless billing options that may reduce your premium.
- 5Review and Finalize Your Policy
Go through your policy details to confirm coverage limits, deductibles and exclusions align with what you selected. Check that all eligible discounts are included before completing your purchase.
How to File a Renters Insurance Claim with Amica
File a renters insurance claim as soon as damage or loss occurs. The steps below explain how to report the issue, document your losses and receive payment based on your policy.
- 1Report Your Claim to Amica
Reach out to Amica’s claims team as soon as possible by phone, through the mobile app or on the website. Share key details about the incident, including what happened, when it occurred and what property was affected.
- 2Record All Damage and Losses
Take clear photos of damaged items and keep receipts for any immediate replacements. Listing each item with purchase dates and estimated values helps support your claim and keeps the process moving.
- 3Arrange for a Claims Adjuster Visit
A claims adjuster will contact you to review the situation and, if needed, inspect the damage. They confirm coverage, assess losses and calculate payment based on your policy terms.
- 4Review the Settlement and Repair Process From Amica
Amica issues a settlement after reviewing the adjuster’s findings and your coverage limits. Look over the payment details, ask questions if anything is unclear and approve the settlement to receive your funds.
Amica Renters Insurance: FAQ
Here's what Amica policyholders ask most about their renters coverage.
What doesn't Amica's renters insurance cover?
Amica's standard renters insurance excludes flood damage, earthquakes, intentional or negligent damage, and business property or liability. You'll need separate policies for flood and earthquake protection, while business activities require commercial coverage. Premiums vary based on your selected coverage level, deductible amount, rental location and individual risk factors.
Is Amica a good choice for renters insurance?
Amica earned the top national ranking in MoneyGeek's analysis with a 4.82 score out of 5. The insurer excels in customer experience but ranks 20th nationally for coverage options, though it still offers five optional coverages to customize your policy.
What does Amica charge for renters insurance?
Amica charges $116 annually for $20,000 in personal property coverage, $194 for $50,000 in coverage and $323 for $100,000 in coverage. Rates vary by state, coverage limits, deductible and your personal factors like claims history and credit score.
Amica Renters Insurance Rates: Our Methodology
We used the following base profile to determine rates for Amica and judge its affordability:
- Adult renters aged 26 to 64
- Renters with a "good" credit rating
- No claims history in the last five years
- Owning an apartment or condo
We also used the following base policy to get Amica's averages unless otherwise stated:
- $20,000 personal property coverage
- $500 deductible
- Replacement cost
Our ratings system for Amica consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared Amica's costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from Amica customers, industry studies from J.D. Power and AM Best Financial Strength scores for Amica.
- Coverage (10% of score): This score considers Amica's add-on coverage selections relative to the average and the uniqueness of selections the company offers.
Renters Insurance Review for Amica: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Amica. "Renters Insurance Coverage Options." Accessed January 19, 2026.
- Amica. "Renters Insurance Discounts." Accessed January 19, 2026.