Water backup
Helps repair your property if it’s damaged by water from backed-up drains or sump pump failures.
Home coverage built for you
Safeguard your home. Safeguard your future.
What home insurance coverages are standard?
Homeowners insurance offers a set of core coverages that work together to protect your home, belongings and finances. Coverage requirements and availability may vary by state so check your policy to see if it includes these coverages.1
Dwelling coverage (Coverage A) covers both the interior and exterior structure of your home. If you have a mortgage, your lender will likely require this coverage.
Other structures (Coverage B) provides protection for the detached buildings or structures on your property, such as a fence, garage or shed.
Personal property (Coverage C) protects your belongings like furniture and clothing, if they're stolen, destroyed or otherwise damaged as a result of a covered loss.
Loss of use (Coverage D) helps with additional temporary living expenses, such as hotel stays and additional meal expenses if your home becomes uninhabitable due to a covered loss.
Personal liability (Coverage E) provides financial protection if you’re held legally responsible for bodily injuries to others or damage to their property due to a covered incident.
Medical payments (Coverage F) can help provide coverage for bodily injuries occurring to others arising out of a covered incident, regardless of who is at fault.
What other protections should I consider?
You can choose additional optional insurance coverages that provide extra layers of protection for your property and assets against certain risks that may not be covered by a standard condo policy.
Scheduled personal property
Covers specific higher-value items that a standard policy may not fully protect, like jewelry, art and antiques, to ensure they’re adequately insured against loss or accidental damage.
Electronics coverage
Specifically protects electronic devices from losses not covered in your policy, such as accidental damage.
Replacement cost
If covered items are stolen or damaged, this coverage helps you replace them without deduction for depreciation.
Identity theft
Helps you recover from the financial and personal impacts of having your identity stolen
What coverage is right for me?
We've built home insurance policies tailored to you. Custom coverage, built for your specific needs, all backed by Amica's world-class service.
There is more to learn about home insurance
Discover the ins, outs, and everything in between.
When to Review Homeowners Insurance
Water Damage at Home: Spot Water Issues Early and Act Fast
Home Insurance Additional Coverages
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Built on empathy. Designed to protect.
Coverage requirements and availability may vary by state so check your policy to see if it includes these coverages.
AMIC-20-070228