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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.

Features include:

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

"Filed a damage claim with Amica on Sunday in the teeth of a blizzard and got a call back in an hour. Wow, just amazing service as usual."
Karl S.

Get a Platinum Choice Home Quote

or call 833-438-0801

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.