Amica Mutual homeowners insurance

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Like many that offer homeowners insurance, The Automobile Mutual Insurance Company of America (Amica) began as a mutual automobile insurance company.

Amica was founded by prominent businessman Adolph T. Vigneron in 1907 in Providence, RI. Vigneron was vice president of the Associated Factory Mutual Fire Insurance Companies and believed that its policies that led to lower insurance rates for factories could apply to automobile insurance as well.

Amica celebrated 100 years of business in 2007.

A mutual company, Amica is owned by its policyholders rather than stockholders. It is the oldest mutual insurer of automobiles in America.

Variety of coverages available

The company moved its corporate offices from Providence to a larger campus in nearby Lincoln in 1994. It has 40 offices across the country.

Amica began offering homeowners insurance in 1956. It offers a variety of policies for every different type of household including condominium and renters. Amica also offers comprehensive coverage for manufactured homes, both single and multi-sectional. Amica’s homeowners’ policies include loss or damage to your home from such unforeseen circumstances as fire, smoke, theft, vandalism and more. It includes the home and other structures such as detached garages and sheds.

Catastrophic coverages for earthquakes and flood insurance also are available in most areas.

Platinum option and discounts offered

Amica offers a Platinum Choice plan that surpasses standard homeowners coverage. Platinum Choice policies increase your liability and medical coverage, extend coverage for your business property in and away from home, and includes generous coverage for your valuables such as jewelry, watches and furs.

You can earn a discount should you insure both your home and auto with Amica. You also may quality for discounts if your home is has safety features such as alarm systems, smoke detectors and sprinkler systems.