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Water damage can be an emotional drain.
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Amica Chairman, President and CEO Bob DiMuccio is set to retire.
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Amica customers can receive special loan pricing and save on closing costs with our partner, Rocket Mortgage .
Amica helped raise more than $60,000 for the ALS Association.
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Avoid exterior damage, then treat yourself to a fall dessert!
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Renting a car after an accident can be expensive. Rental car reimbursement coverage can help.
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We're thankful for being recognized!
Protect your pets
Winter weather tips
A new holiday tradition
This new partnership: This Old House
New year, new financial protection
How smart homes get smarter
Giving Thanks Giving Back
• ID cards • Policy changes • Payments • Claims and more!
Protecting your car from autumn leaves
Alternate transportation after an auto loss
CEO Soak a success
Consider whole life insurance
It pays to be an Amica policyholder!
Help us, help you
A heartfelt goodbye
Avoid water damage in your home
Visit Amica.com Copyright © 2022 Amica, 100 Amica Way, Lincoln, RI 02865
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Learn ways to prevent CO poisoning in your home.
Amica is proud to serve its customers and employees.
We have safety suggestions that are worth sharing.
Amica is now the official insurance sponsor of the iconic home improvement show.
Make securing life insurance a resolution in 2022.
We share ways to save money by installing innovative devices in your home.
Our virtual holiday fundraising drive supported Feeding America.
Ensure your four-legged family members have a safe holiday season.
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Would you or someone you know be a good fit at Amica? Visit our careers site to browse our open positions and learn about the many benefits that come with working at Amica.
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A life-changing experience
Amica launches virtual assistant
Protect your furry family members with pet insurance
Resiliency, resolve, resources: Amica’s COVID-19 response
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Nobody likes a wet basement.
Over the course of a year, Amica supports many organizations that address basic needs, as well as community development, education, health, and arts and culture. We’re grateful for the excellent work these organizations do, and for all of the people who generously provide support to these efforts.
Head: H20 no! Sub: Water damage is a common homeowner claim. Caption: It’s often listed in the top three, after wind and fire. Learn how to avoid it here. Links to: Future House | Smart Water Valve Head: The average home leaks enough water to fill a 15-by-30-foot swimming pool. Sub: That’s about 10,000 gallons of water. Caption: Get a free app with tips to avoid water damage, along with other homeowner advice. Download Home CheckTM by Amica. Links to: Home Check page Head: All shook up. Sub: If your washing machine shakes, loose water connectors can lead to leaks. Caption: Small hoses can lead to big water accidents. Don’t get soaked. Links to: Ultimate Guide to Washing Machine Hoses Head: Tick, bang, click, clang. Sub: Noisy pipes can mean damaged pipes. Caption: Especially for seasonal second homes, freezing pipes can be concerning. Learn how to drain pipes for the winter here. Links to: How to Drain Pipes for the Winter Head: Bust that rust. Sub: Check your old water heater for rust and wear. Caption: If you’re a new homeowner, an old water heater can be a future problem. Links to: How Much Does Water Heater Installation Cost? Head: We’ve got ways to help you save. Sub: Check out discounts on water leak detection devices. Caption: Whether you’re a second, new or one-and-only homeowner, Amica has premium discounts and savings on certain smart devices. Links to: Smarter Home Savings
“Amica has a long history of giving back,” Bailey said. “Every little bit makes a difference in someone’s life.”
Whatever makes your home your own, you should know you’ve got the right insurance coverage in place should something happen. At Amica, we find coverage that fits your needs, backed by world-class service you can count on.
In fact, it’s number one in non-weather-related claims. Learn how to avoid it here.
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Giving back to the communities where we live and work remains an integral part of life at Amica. Our company’s charitable efforts throughout the year always include a Month of Giving in November. That’s when we hold our annual Giving Thanks Giving Back event, which, for the second year in a row, was a virtual holiday fundraising drive to address food insecurity. This year, Amica partnered with Feeding America, a network of 200 food banks and 60,000 food pantries and meal programs that, together, serve over 40 million people each year. Overall, Amica raised $48,432 for those facing hunger.
We're grateful to be recognized
Protecting your pets
Avoid wintertime damage to your home
This new partnership: "This Old House"
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Our Standard Choice policy (also known as an HO3) provides you with essential coverage for:
Temporary expenses if you can’t stay in your home after a covered loss
And more!
Another option is to start with our Standard Choice policy, and add coverages – also known as endorsements – customized for you. That could include:
If you’re looking for more home protection, Platinum Choice (also known as an HO5) offers everything above, plus many extended additional coverages, built into one convenient policy. Platinum Choice includes:
Higher limits for jewelry, watches, furs and more
To learn more about choosing the right coverage for you, click here or give us a call at 800-242-6422.
Increased limits toward personal liability and medical payments
These Drip Tips can help you avoid the draining issue of water loss and damage.
The average home can waste thousands of gallons of water a year. That not only affects your utility bills, it’s a waste of a precious natural resource.
Nobody likes a wet basement. Or a leaky pipe. Or a weepy ceiling. Water damage in your home can be an emotional drain – and a financial one, too.
The average home leaks enough water to fill a 15-by-30-foot swimming pool.
Small hoses can lead to big water accidents. Don’t get soaked – learn more here.
Especially for seasonal second homes, freezing pipes can be concerning. Learn how to drain pipes for the winter here.
If you’re a new homeowner, an old water heater can be a future problem. Find out why here.
Whether you’re a second, new or one-and-only homeowner, Amica has premium discounts and savings on certain smart devices. Learn more about Smarter Home Savings.
Tick, bang, click, clang.
Bust that rust.
We’ve got ways to help you save.
All shook up.
Get a free app with tips to avoid water damage, along with other homeowner advice. Find out about Home Check by Amica™ here.
H2Oh no!
Water damage is a common homeowner claim.
That’s about 10,000 gallons of water.
If your washing machine shakes, loose water connectors can lead to leaks.
Check out discounts on water leak detection devices.
Check your old water heater for rust and wear.
Noisy pipes can mean damaged pipes.
Your home and other structures on your property
Your personal property
Expenses if you’re responsible for injuring someone or damaging their property
Coverage for damage caused by water backup or sump pump overflow
Replacement cost coverage for your dwelling up to 130%
Replacement of your personal property anywhere in the world
Coverage for computers and smart devices for additional causes of loss
Replacement cost coverage on your personal property
Broader coverage for damage to your personal property
Built-in dwelling replacement cost coverage of 130%
And much more!
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As you may be aware, I’ll be retiring at the end of 2022. I’ve had the privilege of being CEO of this very special company for the past 17 years, and it’s been 31 years since I first joined Amica in the Accounting Department. My time here has been one of the greatest experiences of my life. This is a solid company with a long history of success because each of our employees puts you, our policyholders, first. I’m at ease knowing that Amica is in very capable hands moving forward under new CEO Ted Shallcross (who you’ll hear more from in a future issue of Amica Today). I’m confident that you’ll continue to be treated with the utmost care and respect. As always, the greatest measure of our success is your satisfaction. I’m truly grateful to have had the opportunity to serve you, and I thank you for placing your trust in Amica. With sincere gratitude, Robert A. (Bob) DiMuccio
Dear policyholders: I’m thrilled to follow in the footsteps of CEO Bob DiMuccio in leading this great company. One of the best things about working at Amica is knowing we’re here for you during life’s most important moments. That’s been a hallmark of our business for 115 years, and I’m honored to carry that tradition forward. I look forward to further building Amica’s relationship with you and your loved ones. Best, Edmund (Ted) Shallcross III
Carrying on the tradition
To our loyal customers:
From Amica’s very beginnings, quality service was considered a key component in the company’s success. Over a century later, that same belief in service remains. But we understand the ways you want to reach us are changing. That’s why we’ve changed with you. Amica is constantly striving to provide ease in managing your insurance needs, and we’ve introduced various digital features with you in mind.
Service at your convenience
Amica.com
You can now do more than ever before on Amica.com:
Amica is constantly striving to provide ease in managing your insurance needs, and we’ve introduced various digital features with you in mind.
With the Amica mobile app, it’s easy to get immediate access to your policy information, claims, billing and more – anytime, anywhere, on any device. Just log in with your Amica online account credentials and you’ll have access to many of the same features available on Amica.com. Click here to learn more about our mobile app. Our digital options are there when you want them, and our dedicated representatives are here when you need us. Visit our Contact Us page to learn about all the ways we can assist you!
Amica Mobile App
Have any questions? AVA, the Amica Virtual Assistant, is available around the clock to guide you to the answers you need. If AVA isn’t able to do so, it will connect you with a live chat representative if it’s during live chat hours.
Make a payment and view billing documents
Get ID cards
Upload and view policy documents
Add or remove a vehicle
Edit mortgagee
Enroll in e-bill, e-policy, AutoPay or text messaging
Report a claim
Track claim payments
Send a claim handler a message through Claims Messenger
Whether it’s managing a policy, dealing with a claim or navigating your billing, the answers you need are on your Amica.com account. Click here to log in. Your data and ID need strong online protection. That’s why we’ve introduced optional multifactor authentication (MFA) to help keep your Amica account secure.
That’s why we’ve partnered with Rocket Mortgage , America’s largest mortgage lender, to offer policyholders savings on a refinance of their current mortgage or on their next home purchase. Amica customers can receive special loan pricing and save $2,000 on closing costs when they buy a new home or refinance with Rocket.
TM
We know that the to-do list of home maintenance and upgrades can seem never-ending. If you haven’t already done so, check out Home Check by Amica , our free app that helps you get organized, stay up-to-date and keep your home in its best shape. To find out more, click here or download the app below.
Home maintenance simplified
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Home Check by Amica
Amica is proud to provide its customers with the best service and tools to protect the things that matter most to them.
“This is a perfect partnership because both Amica and Rocket Mortgage are focused on providing an exceptional experience. Our clients can expect the same award-winning service they’re used to when working with Rocket Mortgage,”
To apply for a mortgage and receive this special benefit, click here or call 888-330-8209.
Vice President of Marketing at Amica.
can make a big difference for Amica customers looking for their dream home.”
said Tory Pachis,
“This benefit
While there are various types of life insurance available, a key benefit of owning a whole life policy is that it accumulates cash value that can be borrowed against throughout your lifetime, to help pay premiums or other expenses. At Amica, we offer whole life insurance policies with premiums that will never increase, meaning the premium amount you were approved for at policy issue will stay the same throughout your lifetime, regardless of your age or future health concerns. One of the most significant benefits of a whole life insurance policy is that it provides lifetime coverage for your family. As long as premiums are paid, the coverage is guaranteed for the rest of your life. Term life insurance, meanwhile, provides coverage to you for a specific period of time, and eventually that coverage will expire.
To better understand if whole life insurance may be right for your needs, call 855-808-9193 to speak to an Amica life insurance representative. They can explain your options and offer you a personalized quote.
We’re so grateful to be recognized by our customers, our employees and the communities we serve. Here are some of the recent highlights:
Forbes named Amica one of America’s Best Insurance Companies of 2022. Amica placed in the top 20 in four of seven categories in the Forbes survey: Auto (8th), Home (8th), Renters (2nd) and Permanent Life (16th). The independent survey received feedback from more than 16,000 customers on insurance company performance.
J.D. Power awarded Amica “Highest in Customer Satisfaction With the Property Claims Experience” in the 2022 U.S. Property Claims Satisfaction Study, and “Highest Customer Satisfaction Among Auto Insurers in the New England Region” in the 2022 U.S. Auto Insurance Study.
Amica has a TrustScore rating of ‘Excellent’ (4.6 stars out of 5)* on Trustpilot, which hosts reviews of businesses worldwide. The rating is an overall measurement of customer satisfaction, based on over 1,000 reviews from Amica’s customers.
For the 13th time, Amica was honored by the Providence Business News as one of the Best Places to Work in Rhode Island.
Amica Chairman, President and CEO Robert A. DiMuccio was honored with the Cornerstone Award from Year Up. This nonprofit organization helps bridge the opportunity divide by ensuring that young adults gain the skills, experiences and support that will empower them to reach their potential through careers and higher education.
* As of August 2022
Recent awards and recognitions
In addition to being the month students and educators go back to school, September is also Life Insurance Awareness Month. It’s the perfect time to learn how life insurance, and whole life insurance in particular, may be useful for safeguarding your family’s financial future. Whole life, like all life insurance coverage, provides financial protection to your family after your passing. These funds can be used for anything your family needs, including daily living expenses, debts or funeral costs. Just knowing that you're taking care of your family can bring additional peace of mind to you now.
“Whole life insurance is a way of making sure that there will always be life insurance on your life.”
“Should you pass away, your spouse and other loved ones will have funds to cover final expenses, plus more,”
Richard Colson, National Life Sales Representative at Amica.
SM
said
“Whole life insurance is a way of making sure that there will always be life
said Richard Colson, National Life Sales Representative
The event featured Amica Chairman, President and CEO Robert A. DiMuccio getting soaked on the quad at our corporate headquarters. Fundraising efforts centered on the theme of “Bob’s Last Splash” to honor Bob ahead of his retirement later this year. In addition to Bob, two other groups of employees were soaked as the top fundraising teams at Amica.
To see some highlights from the event, check out this video. And for more information about the CEO Soak, click here.
In support of the ALS Association Rhode Island Chapter, we were proud to take part in the second CEO Soak, a reimagined version of the Ice Bucket Challenge, in late July. Amica and its employees donated more than $60,000 to assist in the fight against ALS, making us the top fundraising company in the state for the second year in a row.
Download Home Check by Amica below. This free app helps you maintain your home with a photo inventory, helpful reminders, seasonal suggestions and preventive tips.
Learn more about preventing frozen pipes and ice dams on the Storm Center.
Keep all drains, gutters and downspouts free of debris and vegetation so water can flow through them properly.
Insulate light fixtures in the ceiling, and seal attic ducts, chimneys and fans to minimize heat entering the attic from your home.
Insulate your attic.
Install roof de-icing cables in vulnerable areas.
Ice dams form when heat from inside your home enters the attic due to inadequate insulation and warms the roof. The snow on your roof melts and refreezes at the edge, often backing up from the gutter under your shingles, where it melts again. Resulting interior leaks can damage your insulation, ceilings, walls and floors.
Install water leak detectors near your pipes, or a whole-house system. If a leak is detected, this monitoring device will automatically turn off the water to prevent further damage.
Insulate pipes that are vulnerable to freezing.
Disconnect and drain garden hoses.
Shut off and drain any exterior plumbing lines.
Cold temperatures increase the risk of damage to your home from burst pipes and ice dams. Take these steps to help prevent any issues.
To see some highlights from the event, check out the video below. And for more information about the CEO Soak, click here.
Additional Transportation Expense coverage pays the cost of a rental car or alternate transportation like buses, taxis, Uber or Lyft. Your auto insurance policy may already include some of this protection, or you may need to add it for an additional premium. While coverages vary by state, there’s usually a limit on how much an insurance company will pay for a rental car after an accident. This could be a set amount of, say, $20/day to a total of $600, or a total amount alone, like $900 or more. Keep in mind it’s rare to find a rental vehicle for less than $30/day these days, with the majority of rentals costing more than $40/day. Check your policy to make sure the amount of coverage is enough for your substitute transportation needs. If the rental car you choose costs more, or you need to use it for longer, you’d have to pay out of pocket for any charges exceeding the limits. Most insurers also offer higher coverage limits you can purchase – perhaps up to $50/day and $1,500 total coverage, for example.
It’s bad enough you had a wreck, but now your car will be in the repair shop for at least three weeks! How do you get to work? Drive your children where they need to go? Run errands?
Did you know that pet insurance helps you manage unexpected vet costs in the event something does happen to your pet? Just as you want the best health insurance for your human family members, your pets should be no different. To learn more about this product, and our partnership with Embrace Pet Insurance, click here.
If you're hosting a holiday gathering, it's a good idea to provide pets with a safe, quiet space to retire away from the commotion. Make sure they have fresh water and something to snuggle into. It could be their crate, furniture to hide under or a separate room entirely.
Party safety for pets
Pets appreciate holiday gifts, too! Toys with ribbon, yarn and tiny, loose parts may look festive but can lead to surgery for pets when ingested. Make sure to give them chew toys of the indestructible variety and treats that are easily digestible. A new ball that's too big to swallow is always a safe choice.
Pet presents
Most pet owners know that chocolate is a no-no for their animals. But other foods are equally hazardous to them. Ensure pets are kept away from holiday dining tables and unattended food plates, and that trash cans are secured.
Food and drink for people only
Décor can be dangerous
Decorations and ornaments can break, and the glass or plastic shards can harm pets' mouths and digestive tracts. Stray electrical wires can shock pets, and batteries can cause burns. Keep decorations, ornaments, wires and batteries away from probing paws. A curious cat knocking over a candle can lead to burns and fires. Always use candle holders, and set them on a stable surface. Never leave a candle unattended.
Pets, particularly cats, are known to be attracted to dangling holiday tinsel. Unfortunately, swallowing tinsel can mean an obstructed digestive tract, vomiting and dehydration, and potential surgery for a pet. Consider passing on the tinsel to keep your pet safe. Certain holiday plants can cause serious harm. For example, holly can cause nausea and vomiting if ingested, and mistletoe can lead to gastrointestinal and cardiovascular issues. When possible, decorate with artificial plants, or use those that are safer for pets.
Make sure alcohol is out of reach of any furry family members. Alcohol ingested by pets can lead to illness, coma and even respiratory failure.
A holiday party, especially a New Year's Eve celebration, can come with anxiety-inducing noise. Noise poppers and fireworks can scare them and possibly damage their ears. Make sure pets are in a safe, escape-proof area when things get noisy, especially during a countdown to the New Year.
Finally, keep in mind that your car must be getting repaired because of a loss covered by your policy. Rental reimbursement doesn’t apply to routine maintenance or a vacation rental car − and you still have to pay for gas. So don’t leave yourself unprotected. If you’re interested in adding Additional Transportation Expense to your auto policy, or increasing your coverage, Amica representatives are here to help. Give us a call at 800-242-6422 or visit Amica.com to learn more.
* What Is Rental Reimbursement Auto Insurance?, Forbes.com, July 2022.
Enterprise Rent-A-Car reports that the average length of collision replacement-related rentals was 18 days for the first quarter of 2022. That’s nearly five days longer than the same quarter in 2021. Backlogs at body shops, supply chain issues, fewer technicians, and the complexity and prices of vehicles are among the reasons why.* Renting a car is an obvious solution. It can also be an expensive one, particularly over an extended period. Additional Transportation Expense coverage can help.
As you take to the roads this autumn, be aware that those leaves may be covering curbs, potholes and road markings. And don’t forget that wet leaves can be just as slippery as ice, so increase your following distance and slow down on leaf-strewn roads.
…treat yourself to one of our fall recipes!
In 2020, we released an Amica cookbook to celebrate a half century of our Thanksgiving card tradition. The recipe below is from employee Pamela Cohen, and we’re pleased to share it with you!
3 eggs 1 c. sugar 2/3 c. pumpkin 1 tsp. lemon juice 1 c. walnuts, chopped ¾ c. flour 1 tsp. baking powder 2 tsp. cinnamon 1 tsp. ginger ½ tsp. nutmeg ½ tsp. salt
Sprinkle with walnuts. Bake for 12 to 15 minutes. Cover a clean towel with confectioners’ sugar. Roll up the cake in the towel. While it cools, make filling by beating confectioners’ sugar, vanilla, butter and cream cheese until smooth and creamy. When cake is cooled, unroll, spread with filling and re-roll. Slice and serve.
Preheat the oven to 375°. Beat eggs for 5 minutes on high speed. Gradually add sugar, pumpkin and lemon juice. Combine flour, baking powder, cinnamon, ginger, nutmeg and salt. Fold dry ingredients carefully over egg batter. Grease a cookie sheet, cover with wax paper and grease the wax paper. Spread the batter over sheet.
Filling: 1 – 8 oz. pkg. cream cheese 1 c. confectioners’ sugar ½ tsp. vanilla ¼ c. butter
Pumpkin Roll
Falling leaves can scratch your paint, leaving your car susceptible to rust and water damage. Decaying leaves release acids like sap and pollen that can also harm a vehicle's paint, and wet or rotting leaves speed up this process.
Leaves piling up on your car can also clog your air conditioning systems or exhaust pipes. If the leaves begin to rot while stuck inside your car’s parts, they become even more difficult to remove and start to smell.
Here are some tips for protecting your vehicle:
Clearing falling leaves off your car might not make your list of maintenance tasks this fall, but it should.
If you have a car you’re not driving much, it's best to avoid parking it under trees.
Experts suggest picking them up with your hands or using a leaf blower on the light setting. Don’t use a broom.
Be especially wary of maple and oak trees. However, the most damaging tree to your car is a pine tree – they have the highest acid content.
Clearing falling leaves off your car might not make your list of maintenance tasks this fall, but it should. By removing leaves quickly and carefully, you can avoid damage to the exterior of your car and save hundreds of dollars.
And when the work is done…
By removing leaves quickly and carefully, you can avoid damage to the exterior of your car and save hundreds of dollars.
Filling: 1 – 8 oz. pkg. cream cheese 1 c. confectioners’ sugar
3 eggs 1 c. sugar 2⁄3 c. pumpkin 1 tsp. lemon juice 1 c. walnuts, chopped ¾ c. flour
1 tsp. baking powder 2 tsp. cinnamon 1 tsp. ginger ½ tsp. nutmeg ½ tsp. salt
½ tsp. vanilla ¼ c. butter
Falling leaves can scratch your paint, leaving your car susceptible to rust and water damage. Decaying leaves can also harm a vehicle's paint, and wet or rotting leaves speed up this process.
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