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Home Insurance Coverages

Home insurance choices for you and your family.

The Right Coverage

Every home is different. And whatever makes your home your own, you deserve to know you’re properly covered if something should happen.

That’s why Amica offers homeowners policies with customizable options that give you the coverage you need backed by world-class service you can count on.1

Standard Choice Home Coverage

The Standard Choice policy (HO3) provides essential insurance coverage2 for:

  • Your home and other structures on your property (like a shed, detached garage or fence) for damage caused by events such as fire, lightning, wind or hail
  • Personal property, including furniture, clothing and electronics if they’re damaged by a cause listed in your policy
  • The cost of temporary housing and increased living expenses if you can’t stay in your home after a covered loss
  • Expenses if you’re responsible for injuring someone or damaging their property

You can also purchase more coverage to add on to your Standard Choice policy. Some options include:

  • Dwelling replacement coverage. An additional 30% to repair or rebuild your home if costs exceed your policy limit
  • Personal property replacement coverage. Full replacement of your personal property anywhere in the world if it’s damaged in a covered loss
  • Water backup/sump overflow. Coverage for damage caused by water backup or sump pump overflow
  • Special computer coverage. Coverage for computers and smart devices for additional causes of loss

Standard Choice Home Coverage

The Standard Choice policy (HO3) provides essential insurance coverage2 for:

  • Your home and other structures on your property (like a shed, detached garage or fence) for damage caused by events such as fire, lightning, wind or hail
  • Personal property, including furniture, clothing and electronics if they’re damaged by a cause listed in your policy
  • The cost of temporary housing and increased living expenses if you can’t stay in your home after a covered loss
  • Expenses if you’re responsible for injuring someone or damaging their property
You can also purchase more coverage to add on to your Standard Choice policy. Some options include:
  • Dwelling replacement coverage. An additional 30% to repair or rebuild your home if costs exceed your policy limit
  • Personal property replacement coverage. Full replacement of your personal property anywhere in the world if it’s damaged in a covered loss
  • Water backup/sump overflow. Coverage for damage caused by water backup or sump pump overflow
  • Special computer coverage. Coverage for computers and smart devices for additional causes of loss

Platinum Choice® Home Coverage

If you want the best home protection, we’ve done the legwork for you. Our Platinum Choice policy (HO5) gives you all the protection of Standard Choice and all of the additional coverages listed above in one convenient package. Some features2 include:

  • Additional coverage to repair or rebuild your home if costs exceed your policy limit
  • Coverage for more causes of loss to your personal property
  • Extended coverage for certain types of property, including jewelry, watches, furs and more
  • Increased liability coverage

Learn more

Start Your Home Quote

or call 800-242-6422

1 This product is not available in AK and HI.
2 The coverage descriptions are for educational purposes only and may vary by policy and state. Your Policy, Policy Declaration, and/or Amended Declarations are the primary sources of reference for your coverage information and govern your Policy and any subsequent claim.