Overview
Amica
N/A
N/A
Phone, Live Chat, Email, In-Person
Undisclosed
Allstate
N/A
N/A
Phone, Live Chat, Email, In-Person
Undisclosed
Ratings
Amica
Allstate
Reviews
Amica
Reviews
Allstate
Reviews for Amica
Helpful Favorable Review
Helpful Critical Review
Reviews for Allstate
Helpful Favorable Review
Queen Shavy
April 6th, 2022
Miami Beach, FL
DETAILS
Review Source
They had very good rates which made it an appealing choice. Their website and billing and payment options were not easy to navigate. When I would call customer service they did not seem very professional
Helpful Critical Review
RLuff
February 6th, 2022
Tucson, AZ
Review Source
If you are involved in an accident and it is your fault, you are very likely to be sued. Allstate NEVER settles claims easily resulting in the other party getting an attorney. I know. I am a lawyer. The end result is you get called for depositions and trial so Allstate can save some money.
The Final Word
Both companies offer the standard home insurance coverage. Amica stands out because it also offers extended home insurance, home business, and its signature Platinum Choice ® Home coverage options. With these options, you can balance coverage and cost.
Amica also offers dividend home insurance policies. Premiums are sometimes higher on these policies, but you'll receive dividend payments ranging between 5 and 20 percent of the annual premium. Dividend home insurance isn't a common offering, so Amica is a good choice if you're interested in dividend payments.
Although Allstate doesn't offer options the same way Amica does, it does offer riders that add coverage. Through these riders you can balance coverage and cost. Allstate also offers a HostAdvantage® policy that offers coverage if you rent out your furnished home.
Both Amica and Allstate offer discounts, which make it easy to save on your home insurance policy. Discounts are available from both companies for having multiple policies, loyalty, signing up for autopay, being claim-free, and installing detection or protective devices in your home.
Amica also offers a credit for new or remodeled homes.
Allstate offers discounts for responsible payment, being a new homeowner or buying a newly built house, and an early signing discount. If you're looking for discounts, Allstate offers more than Amica does.
Although you'll find good coverage from either company, Amica is recommended if you're looking for more pre-set policy options, home business coverage, or a dividends policy. On the other hand, Allstate offers riders that allow you to customize your coverage and offers more discounts. It also stands out with its HostAdvantage® policy if you're planning to rent your home.
