Platinum Choice® Home Coverage
Our best home protection in one convenient package
What is Platinum Choice® Home?
Our highest-level home insurance policy1 (HO5) gives you all the essential protection of a standard policy (HO3), plus many additional and extended coverages, all in one convenient package.
Dwelling replacement coverage
An additional 30% to repair or rebuild your home if costs exceed your policy limit2
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 plumbing-related water backup or sump pump overflow
Special computer coverage
Broader coverage for phones, laptops, tablets, TVs and other smart devices against damage from power surges, water damage and heat warping
Credit card coverage
Up to $5,000 if your cards are stolen and used fraudulently
Business property coverage
Extended coverage limits of $5,000 for business property at home, and $2,000 away from home3
Valuable items extended coverage
More coverage for lost or stolen personal items like jewelry, watches, furs and more
Loss assessment plan
Extended coverage for property at your primary residence you don’t solely own, such as common areas at condos or shared property within a gated community
Liability and medical payment coverage
Increased limits of $300,000/$500,000 toward personal liability claims, and up to $5,000 toward medical payments4
1 Coverage may vary in some states.
2 Limitations based on stated policy exclusions apply. You can also add any of these individual coverages to your current Amica home insurance policy without owning the complete Platinum Choice® Home package.
3 Coverage specifics may vary by state.
4 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.