Amica Renters Insurance Review

Updated: September 16, 2026

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Amica

Amica

MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.9/5Customer Experience
3.6/5Coverage Points

  • Average Annual Premium

    $116

  • Number of Endorsements

    5

  • Number of Discounts

    5
Key Takeaways
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We ranked Amica No. 1 nationally with a MoneyGeek score of 4.82 out of 5, based on affordability, customer experience and coverage options.

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At $116 a year for $20,000 in personal property coverage, Amica costs 41% less than the national average and ranks seventh for affordability nationally.

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Amica renters policyholders earn $100 a year toward a future homeowners policy, up to $500 in total. Few competitors offer this.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Is Amica Renters Insurance Worth It?

For most renters, yes. Amica ranks No. 1 nationally with a score of 4.82 out of 5.

Its customer experience score of 5.00 is the highest we've recorded. That means fewer complaints and smoother claims outcomes than nearly every carrier we track. At $116 a year for $20,000 in coverage, it runs about $80 less than the national average. If you're paying more right now, pull a quote.

The one check is coverage breadth. Amica offers five endorsements and ranks 20th nationally. If you need pet liability or home business coverage, compare a broader carrier first.

Overall4.821
Customer Experience5.002
Coverage4.2020
Affordability4.797

How Much Does Amica’s Renters Insurance Cost?

Amica charges $116 a year for $20,000 in personal property coverage and $323 a year for $100,000 in coverage, based on our analysis of renters insurance rates across coverage levels. Your premium depends on your coverage limit and deductible. Location, credit score and claims history also affect your rate.

Amica's rates by coverage level are shown below.

$20K Personal Property / $100K Liability$10$116
$50K Personal Property / $100K Liability$16$194
$100K Personal Property / $100K Liability$27$323
$250K Personal Property / $300K Liability$101$1,212

Amica Renters Insurance Cost by State

Your location affects Amica's renters insurance rates. Weather risks, crime statistics and regional construction costs all vary by state. For $20,000 in personal property coverage with a $500 deductible, Amica's rates range from $6 to $12 a month, depending on your state.

Data filtered by:
Connecticut
$20K Personal Property / $100K Liability$9$110
$50K Personal Property / $100K Liability$17$209
$100K Personal Property / $100K Liability$30$365
$250K Personal Property / $300K Liability$96$1,151

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. Availability varies by state, so check with an agent to confirm which ones apply to your policy.

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?

A standard Amica renters policy covers four areas: personal property, personal liability, loss of use and medical payments to others.

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    Personal Property Coverage

    This coverage reimburses you for stolen or damaged belongings. This can include furniture, electronics, clothing and other personal items.

  • scale icon

    Personal Liability Coverage

    This is a type of coverage for legal costs and settlements when someone sues for injuries or property damage that occurs in the rental. It covers attorney fees, court costs and judgment amounts up to the policy limit.

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    Loss of Use Coverage

    This is cover that pays for hotel costs and meal expenses when the rental becomes uninhabitable due to covered damage. It also covers laundry services, pet boarding fees and other necessary living expenses while repairs are completed.

  • Medical Payments to Others

    This pays to treat injuries other people sustain in your rental, regardless of who's at fault. It's separate from liability coverage and doesn't require a lawsuit to activate.

Optional Renters Insurance Coverages from Amica

Amica provides five additional coverages to customize the policy, though availability varies by state. These endorsements expand protection beyond standard coverage limits and exclusions. An agent should be contacted to confirm which optional coverages can be added to the 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.

Amica offers five additional coverages to customize your policy. Availability varies by state. Contact an agent to confirm which optional coverages you can add to your policy.

What Does Amica's Renters Insurance Not Cover?

Amica's renters insurance excludes certain perils and situations from standard coverage.

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    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.

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    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.

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    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.

If you're choosing between actual cash value and replacement cost coverage, run the numbers on what your belongings are actually worth today. A three-year-old laptop that cost $1,000 new may pay out only $350 to $400 under actual cash value after depreciation. Amica's replacement cost add-on pays what it costs to buy that same laptop now. For renters with newer electronics, furniture or appliances purchased in the last three years, the added premium is worth calculating before you skip it.

How to Buy Amica’s Renters Insurance

Amica lets you buy renters insurance online or through an agent who can walk you through your coverage options.

  1. 1
    Determine How Much Coverage You Need From Amica

    A complete inventory of belongings should be created with estimated replacement costs at current prices. Totaling furniture, electronics, clothing and personal items helps establish a coverage limit that reflects the actual exposure without overinsuring.

  2. 2
    Get a Quote From Amica Online or Through an Agent

    A quote can be requested on Amica's website or through an agent for a more guided experience. Details about the rental, coverage preferences and basic personal information should be prepared in advance to generate an accurate price estimate.

  3. 3
    Compare Amica's Policy Options

    Different coverage levels and deductibles should be reviewed to understand how they affect the premium. This is also the time to determine whether optional add-ons such as scheduled personal property or water backup coverage make sense for the rental.

  4. 4
    Request Available Discounts

    Eligibility for Amica's five discounts should be confirmed, including savings for a claim-free history or automatic payment enrollment. An agent can verify eligibility for loyalty discounts and paperless billing that may lower the premium.

  5. 5
    Review and Finalize Your Policy

    Policy details should be reviewed to confirm coverage limits, deductibles and exclusions match what was selected. All eligible discounts should be verified as applied before completing the purchase.

How to File a Renters Insurance Claim with Amica

A renters insurance claim should be filed as soon as damage or loss occurs. The steps below explain how to report the issue, document the losses and receive payment based on the policy terms.

  1. 1
    Report Your Claim to Amica

    Amica's claims team should be contacted as soon as possible by phone, through the mobile app or on the website. Details about the incident should be provided, including what happened, when it occurred and what property was affected.

  2. 2
    Record All Damage and Losses

    Photograph damaged items and keep receipts for any immediate replacements. List each item with purchase dates and estimated values to support your claim.

  3. 3
    Arrange for a Claims Adjuster Visit

    A claims adjuster will contact you to review the situation and inspect the damage when needed. The adjuster confirms coverage, assesses losses and calculates payment based on your policy terms.

  4. 4
    Review the Settlement and Repair Process From Amica

    Amica issues a settlement after completing a review of the adjuster's findings and your coverage limits. Check the payment details, ask questions if anything is unclear and approve the settlement to get your funds.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Bottom Line

Amica is worth it for most renters. It's our top-ranked carrier nationally, costs $116 a year for $20,000 in personal property coverage and carries the highest customer experience score we've recorded. If you want low rates and a carrier with a clean claims track record, this is the clearest pick in our analysis.

The exception is coverage depth. Amica offers five endorsements and ranks 20th nationally for add-on options. If your situation calls for more than the standard coverage set, home business liability, pet coverage or extensive valuables protection — shop a broader carrier before you commit.

We collected renters insurance rates using the following renter profile:

  • Adults ages 26 to 64
  • Good credit rating
  • No claims in the last five years
  • Renting an apartment or condo

Unless noted otherwise, rates reflect a base policy with $20,000 in personal property coverage, a $500 deductible and replacement cost coverage.

We scored Amica using three weighted categories:

  • Affordability (55%): Using our base profile, we compared Amica's costs to the national average and to competing insurers.
  • Customer experience (35%): Customer forum ratings, J.D. Power industry studies and AM Best financial strength scores all factored into this score.
  • Coverage (10%): We compared Amica's add-on options to the national average and assessed how its selections compare to other insurers.

Amica Renters Insurance: FAQ

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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