If a home puts a roof over your head, then a home insurance policy is the roof for your home. Many turn to a home insurance policy to get financial assistance for: 

• Fires
• Theft
• Certain natural disasters 
• Liability claims
• ... and more

An Amica home insurance policy can also protect your personal belongings and offers coverage if someone is injured on your property. With this protection, you can enjoy peace of mind knowing your home, possessions, and financial future are secure. 

Amica home insurance is designed to meet a variety of needs, offering flexible and comprehensive protection. With straightforward policies and reliable service, Amica helps you prepare for the unexpected. A standard Amica home insurance policy typically includes: 

• Dwelling Coverage: Protects the structure of your home, including walls, roof, and attached features, from damage caused by covered perils.
• Personal Property Coverage: Covers your personal belongings, such as furniture, clothing, and electronics, against theft or damage.
• Liability Coverage: Provides financial protection if you're held responsible for injuries or property damage to others.
• Loss of Use: Covers temporary living expenses if your home becomes uninhabitable due to a covered event.
• Medical Payments: Coverage specifically for injuries that happen on your property, regardless of whether you’re liable or not.

Amica Platinum Choice 

Amica offers an optional, upgraded home insurance package called the Platinum Choice. It offers a few more protections in addition to what standard policies provide. Here’s some of what the Platinum Choice offers: 

• Electronics Coverage: Protects your electronic devices and equipment against damage, theft, or loss.
• Sewer and Water Backup Coverage: Covers damage caused by sewer or drain backups.
• Identity Theft Coverage: Offers protection and assistance if your personal information is stolen or misused.
• And more.

Keep in mind that these descriptions are general in nature and are meant to give you an idea of what Amica can offer. These options are subject to policy terms, but a Goosehead agent will be able to find the coverage that fits your needs. 

Amica calculates home insurance premiums based on several factors, ensuring that your policy reflects your specific situation. Key factors include: 

• Location: The risk of natural disasters, crime rates, and local construction costs in your area.
• Home Age: Older homes often have higher insurance premiums due to increased repair costs and risk of damage.
• Claims History: Your personal claims history and the claims history of your property.
• Rebuilding Costs: This is based on your home’s size and the materials used to build. Homes with more luxury features or are larger than your standard home have higher rebuild costs, which means a higher premium.
• Coverage Limits and Deductibles: What you add to your policy and the deductible you pay will influence your premium.
• Credit Score: A strong credit score reflects financial responsibility and can help reduce insurance premiums.

There may be other rating factors, but these are the most common that go into a premium.

Amica offers multiple discounts to help you save on your home insurance premium, including: 

• Multi-Policy Discount: Bundle your home and auto insurance to save money.
• Home Safety Discounts: Get rewarded for installing safety features like burglar alarms or smoke detectors.
• Claim-Free Discount: Enjoy savings if you have a history of being claim-free.

Goosehead Insurance makes finding the perfect home insurance policy simple and stress-free. We connect you with top providers like Amica to ensure you get the best coverage at the right price. 

Here’s why homeowners trust Goosehead Insurance for their Amica policies: 

• Comprehensive Comparisons: We compare policies to make sure Amica could be the insurance carrier for you.
• Expert Guidance: Our agents provide personalized advice and recommendations for your area and situation.
• Streamlined Process: Enjoy a hassle-free experience with our simple, efficient approach.
• Top-Tier Service: With our dedicated customer support team, we’re here to help during business hours whenever you need us.