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Platinum Choice® Home Coverage

Our best home protection in one convenient package

What is Platinum Choice® Home?

Our highest-level home insurance policy1 (HO5) gives you all the essential protection of a standard policy (HO3), plus many additional and extended coverages, all in one convenient package.

Features include:

Dwelling replacement coverage

Dwelling replacement coverage

An additional 30% to repair or rebuild your home if costs exceed your policy limit2

Personal Property Replacement Coverage

Personal Property Replacement Coverage

Full replacement of your personal property anywhere in the world if it’s damaged in a covered loss

Water backup/sump overflow

Water backup/sump overflow

Coverage for damage caused by plumbing-related water backup or sump pump overflow

Special computer coverage

Special computer coverage

Broader coverage for phones, laptops, tablets, TVs and other smart devices against damage from power surges, water damage and heat warping

Credit card coverage

Credit card coverage

Up to $5,000 if your cards are stolen and used fraudulently

Business property coverage

Business property coverage

Extended coverage limits of $5,000 for business property at home, and $2,000 away from home3

Valuable items extended coverage

Valuable items extended coverage

More coverage for lost or stolen personal items like jewelry, watches, furs and more

Loss assessment plan

Loss assessment plan

Extended coverage for property at your primary residence you don’t solely own, such as common areas at condos or shared property within a gated community

Liability and medical payment coverage

Liability and medical payment coverage

Increased limits of $300,000/$500,000 toward personal liability claims, and up to $5,000 toward medical payments4

Get a Platinum Choice Home Quote

Good News!

We have coverage available in your area

Select a product to get started on your quote.

Get a Quote Online

Quote your coverage whenever it’s convenient for you

Additional Products

Call to learn more about what else is available in your area

Let’s get started!

Help us answer a few questions so we can get you the most accurate {{product-txt}} quote

We respect your privacy – the information you provide is secure and will only be used for the purpose of this quote. 

Not sure if you’re ready to start quoting? That’s okay! Explore our {{product}} to learn more.

Give us a call!

Get your {{product-txt}} insurance quote over the phone

For an easy and faster quoting process, it’s helpful to have the following information handy:  • Details about your car  • Details about any accidents, claims or moving violations • Current insurance information, including coverage limits

Not sure if you’re ready to start quoting? That’s okay! Explore our {{product}} to learn more.

We're sorry!

Something went wrong on our end.

Please give us a call and our award-winning customer service representatives can help you finish your quote.

We appreciate your patience and flexibility.

800-242-6422

We’re sorry

Unfortunately, {{product-txt}} insurance is unavailable in {{zip}}.

Other products available in {{zip}}

Check a different ZIP Code

Retrieve Your Saved Quote

Welcome back! 

Please enter your ZIP Code to help us find your saved quote.

Enter your ZIP Code

Choose the Best Home Policy for You

Select a Home policy to quote:

Not sure which home coverage is right for you? Explore our home coverages section to learn more.

1 Coverage may vary in some states. 2 Limitations based on stated policy exclusions apply. You can also add any of these individual coverages to your current Amica home insurance policy without owning the complete Platinum Choice® Home package. 3 Coverage specifics may vary by state. 4 The coverage descriptions are for educational purposes only and may vary by policy and state. Your Policy, Policy Declaration, and/or Amended Declarations are the primary sources of reference for your coverage information and govern your Policy and any subsequent claim.

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