Home Insurance Coverage FAQs

Coverages

The standard policy will pay up to $500 for loss due to the theft of a credit card or unauthorized use of a bank card.

No, but flood coverage is recommended if you live in a flood zone. Flood insurance is offered through the National Flood Insurance Program.

Yes, if you carry the Identity Theft endorsement. Please review your policy or contact Amica to discuss this coverage further.

Replacement cost is the total cost to repair or replace an insured item.

Actual cash value​ is the current value of property. This is often calculated by subtracting depreciation from the replacement cost.

Replacement cost – depreciation = actual cash value

Yes, it would be covered just like any other room in your home. However, you should notify Amica whenever substantial changes are made to your home to ensure adequate coverage.

Yes, sheds and other detached structures are covered by your home policy. The limit for these items is typically 10 percent of the limit on your dwelling. If you have larger detached structures on your property, you might want to consider purchasing additional coverage.

First, call emergency services if needed. Then, contact Amica as soon as possible. We investigate all potential injury claims and will keep you informed throughout the process.

Yes, theft is covered and any related damages to your home would be considered for coverage.

Your home policy does not cover cars that are required to be registered for use on public roads. If you carry other than collision​ coverage on your auto policy, the damage to your car would be covered by your auto policy.

If the stolen item is permanently installed in the car and you have comprehensive (Other than collision) coverage, the loss is covered under your auto policy. However, if the property is something that you put in your car, such as CDs or a GPS, this is usually covered under a home policy, as part of your personal property coverage. Certain restrictions may apply

If you receive a summons and complaint​ or other time-sensitive legal documentation regarding a loss, please contact Amica immediately for further assistance.

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