To save money on your Geico insurance policy, see if you’re eligible for these three homeowner discounts:
- Smoke detectors and fire extinguishers
- Home security systems
Amica offers more discounts, endorsements, and coverage options than Geico at a more affordable rate. You can get liability coverage as low as $25,000, while Geico only goes down to $100,000. Amica’s personal property coverage is also higher at 75% of dwelling coverage, instead of 70% from Geico.
Both companies allow you to get quotes through their website, which eliminates having to talk to a customer service representative. However, Amica falls short because it doesn’t help you calculate your dwelling coverage; instead, you have to input the amount of coverage you want based on how much you believe it would cost to rebuild your home, whereas Geico determines how much your house is worth by asking questions about your property.
When our team requested quotes from each company, Amica ended up being cheaper. This is notable because we used $250,000 for dwelling coverage in the Amica quote, and Geico only estimated the rebuilding cost for the same home to be about $239,000. This means you’ll receive more coverage with Amica at a lower price.
Regarding customer service, both companies have a mobile app, customer portal, online chat, and 24/7 claims center. The major difference is that Geico is available 24/7 for other insurance questions, while Amica is only available during regular business hours.
In the end, we believe Amica’s more comprehensive and affordable coverage outweighs the company’s quoting and customer service flaws. However, we still recommend getting home insurance quotes from at least three providers so that you can compare coverage and pricing. To get quotes from companies in your area, call 855-948-5219 or enter your zip code in the tool below: