Your Plan
Flexible coverage options designed to fit your life
Choosing the right insurance coverage doesn’t have to be stressful. We’re here to help you match the coverage to what matters most to you.
Which option fits you?
With three clear tiers to choose from and many customizable options, YourPlan makes it easy to start with the protection that fits your needs today, knowing you can adjust YourPlan whenever life moves in a new direction. See the options below, and then review the side-by-side comparison charts by clicking on the Auto, Homeowners, Condo or Renters buttons.
Essential
- Dependable and foundational protection
- A budget-focused, straightforward option
The trade-off to know: Essential may have lower built-in limits and features, which could mean more out-of-pocket costs in the event of a loss.
Advantage
- Balanced protection – strong coverage with practical enhancements
- A “most customers” type of fit with comprehensive features
The trade-off to know: You may be missing out on some enhancements only available in our Signature tier.
Signature
- For customers who want protection without compromise
- Top-line coverage with premium enhancements and add-ons
The trade-off to know: Signature may have a higher premium and may include more protection than some customers need.
See your options – side-by-side
Key coverages
Here are a few common plan features that may be important to you.
Buried Utility Lines
- What it is: Helps pay for repairs to underground water, sewer, gas, electrical and communication lines.
- Why it matters: Helps homeowners avoid sudden, expensive excavation and repair costs when essential underground services fail.
- Included with: Advantage and Signature homeowners policies
Home Equipment Breakdown
- What it is: Helps pay for repair or replacement when home systems, such as washers and dryers, air conditioners, furnaces and dishwashers, fail.
- Why it matters: Fills a coverage gap by protecting against unexpected equipment failures that standard homeowners insurance typically doesn’t cover.
- Included with: Advantage and Signature condo policies
- Can be added to any homeowners policy
Family Cyber Protection
- What it is: Helps reimburse certain costs related to cyber incidents such as identity theft, cyberbullying, social engineering and data breaches.
- Why it matters: It provides financial support and helps pay for professional services when online threats disrupt your family’s finances, safety or well-being.
- Included with: Signature condo and renters policies
- Can be added to any homeowners policy
Quality Parts Guarantee
- What it is: Ensures repair estimates include new original equipment manufacturer (OEM) parts when available after a covered auto loss.
- Why it matters: It helps preserve vehicle performance, value and longevity by using parts designed specifically for your car.
- Included with: Advantage and Signature auto policies
Claim Forgiveness
- What it is: Helps protect your premium from increasing after an at-fault auto, home, condo or renters claim that meets certain criteria.
- Why it matters: It gives you peace of mind knowing one unexpected incident won’t automatically raise your rate, helping you recover without added financial stress.
- Included with: Signature auto, home, condo or renters policies
Get an insurance quote today
Discounts not available in all states and may vary.
Your home and auto policies must be written by Amica and must include a Single-Loss Deductible endorsement. The deductible for the covered loss will be the highest single deductible that applies to any item of covered property loss. Other terms and conditions may apply.
Your home and auto policies must be part of the Essential, Advantage or Signature offerings by Amica. Other terms and conditions may apply.
AMIC-17-050827