Amica doesn't want your business.

[match308]

I recently contacted Amica on a tip from a co-worker who saved alot by switching. I did the usual interview and was asked if I had any firearms and if I would ever contemplate using one to defend myself or my family if a perp enterd uninvited. I stated that I would defend myself if anyone in my family was in danger of death or bodily harm from a n intruder. I stated yes to the do I own firearms query and was then asked what type, specifically if any were "military type". I sted yes and gave them the details. The agent said I would have to be reviewed by underwriting. A day later I received a call back informing me of their decision to deny coverage. This blew my mind. This is an FYI to all that are contemplating using this company.

 

[tigre]

Was this for homeowners insurance? I have car insurance with them and need to get rental as well. I don't like the sound of that policy much, though. Do you know if they have an official policy about this?

And excuse my ignorance of this sort of thing, but how would they be affected by the guns in a policy holder's home? If you did have to shoot an intruder, would they be on the hook if there was a lawsuit by the BG or their family? And if so, I wonder if their policy would be different in states with castle doctrine laws that prevent BG's from suing. None of that would have much to do with the type of guns involved though, although ignorant people could think it would and base their rules on that assumption.

 

[match308]

It was for homeowners and auto. They offered to do auto only but I told them that I could'nt use them due to their views. Their website clearly states that firearm coverage is available. But the third degree you get determines if they will grant coverage. The agent stated that if my AR's (wich he stated "the AR stands for assault rifle")are the type that will get you denied. I politely educated him that AR stood for Armalite and stood by in shock of the line of questions. I also mentioned that the 300 WinMag I own,that didnt really interest him was infinitely more deadly.It was like he was feeding me the answers he wanted to hear. He would say, " now you dont cary a weapon on your person unless your going to the gun range right?" I informed him that I was ex-LE and had a permit to carry, I am a licensed CCW instructor, and I dont keep all my guns in a safe just incase a BG has the misfortune of picking me as a victim. I said that their company clearly subscribes that if a perp breaks in, kills and rapes everyone and makes away unharmed, their company is better off than if the homeowners ventilate the offender and the homeowner gets sued taking a financial bite out of the company.

 

[Picard]

Wow, that's just terrible. Get the word out. Contact others and make them hurt in the pocketbooks. I hate the fact that so many think that AR's are somehow more deadly than other semi-autos.

 

[jahwarrior]

this story hurts me in the brain area.

 

[The Lone Haranguer]

Just when I thought my opinion of them could go no lower, here comes this revelation.

 

[Kim]

Farm Bureau asks no such questions.All my insurance is with them. They have been good to me.

 

[DeerSlayer7600]

Wow, i think my head just exploded from all that nonsense. I will definitely stay away from that company.

 

[statelineblues]

If you are former military, look into USAA Insurance - very good company and have never had them ask me idiot questions like Amica did...

 

[Elza]

tigre: If you did have to shoot an intruder, would they be on the hook if there was a lawsuit by the BG or their family?

If you are unlucky enough to live in a state where the criminals can still sue they are including your defense costs.

 

[drgrenthum]

Its not only insurance companies that are not knowledgable.

I was in a grocery store the other day (publix) and was buying a gun mag that had ARs depicted on the cover and the cashier asked me if i hunted with one of 'those'. Told him that i did and comments 'well there must not be any meat left after you are through'.

This is not an unusal comment it seems the general public believes that ARs are some evil high powered fire arms. In fact my wifes uncle who owns 20 plus handguns thought my AR had to be more powerful then a 30-06. The antis have everyone believing there is such thing as an EBR.

 

[SoCalShooter]

Thanks for the heads up it is greatly appreciated. My AAA insurance covered me with no discrimination they just wanted to know what they were covering and I can understand why they would want to know however they asked for the serial numbers and I said its none of your damn business and they said to properly cover the guns they would need to know this. I declined their business.

 

[BruceRDucer]

An accurate comment by CamSlam, which bears repeating, IMHO.

Get used to it. Ignorance is bliss and this country is as happy as its ever been.--CamSlam

Amica should be avoided like the plague, and we all need to get the word out about them. Phooey on'em!

 

[Norinco982lover]

I use State Farm. They do want serial numbers of everything for my Rental insurance but I didn't bother to fill it out...they said something abuot making it easier for me to remembre everything i owned or something if it all burned up...I figure with my tiny apartment I'll remember it all when it comes time. Ain't putting my serial numbers down.

 

[JesseL]

I wonder if they really have an actuarial table that actually says owning 'military style' firearms makes you a higher risk.

 

[NWGunner]

I also use State Farm. They told me I was covered for up to $10,000 for firearms under my general homeowner's policy. I asked a couple of questions regarding what they would replace and what information they needed. My agent said as long as I didn't make a claim for above $10,000, I wouldn't need special coverage. However, if I wanted to insure my collection for anything over $10,000, they told me I needed to give them serial numbers and descriptions of everything, and possibly have an appraisal. If my collection is ever worth more than $10,000, I'd be a pretty happy man.

As far as replacing things go, they've taken my word the 2 times I've had stereos ripped out of my vehicles. All they needed was an estimate for replacement cost from a reputable shop, and then they cut me a check. ....Not sure how this would go with firearms, but who knows.

 

[The Bushmaster]

When ask if I owned firearms and if I would use them against intruders. My insurance company ask me if I wanted to insure the firearms against theft...Yup...$130 a year more (detailed list)...

State Farm...I've been insured (car, home, property) by them for many years and they haven't failed to do their part when I have had a problem.

 

[Bubbles]

I've had Nationwide for many years for both home and auto, and they never asked about firearms.

 

[45Badger]

Happy Amica customer here. No problems, and no wierd questions.

 

[Dr. Tad Hussein Winslow]

Well, maybe that's why they're so small that I'd never heard of them before this day. With that kind of stupidity, I'd guess I'll never hear of them again. Who the heck is that?!

 

[rc135]

Usaa

I've had no problems with either USAA or State Farm re my firearms -- check one .em out.

 

[jad0110]

Its not only insurance companies that are not knowledgable.

I was in a grocery store the other day (publix) and was buying a gun mag that had ARs depicted on the cover and the cashier asked me if i hunted with one of 'those'. Told him that i did and comments 'well there must not be any meat left after you are through'.

This is not an unusal comment it seems the general public believes that ARs are some evil high powered fire arms. In fact my wifes uncle who owns 20 plus handguns thought my AR had to be more powerful then a 30-06. The antis have everyone believing there is such thing as an EBR.

Not to go too far off topic, but you are 100% correct. The antis have done a shockingly good job of convincing a lot of people, including a significant number of gun owners, that ARs and AKs are by far the most potent/deadly hand held weapons in existance. I've only had my AR-15 in 5.56 for a couple of months, and I've already forgotten how many times I've heard such statements as "how can you shoot one of those [AR15s], don't they have more recoil than a 12 gauge?", "that'll blow a hole through a badguy as big as a golf ball" or "I think such high powered weapons should be illegal".

I'm sure I'm not the only one who has seen the totally dumbfounded look of informing one of these types that the 7.62x39 mm round that the AK-47 and other semi automatic AK-type clones fires is NOT high powered. That it is in fact most ballistically similar to Winchester 30-30, which no one will mistake for a "high powered" rifle cartridge. It's the same dumbfounded look when I state that many gun enthusiasts refer to 5.56/.223 ARs as "poodle shooters" in a deragatory manner, many of them considering the round barely adequate for coyote.

Oh well, SamClam's statement above was spot on.

I also use State Farm. They told me I was covered for up to $10,000 for firearms under my general homeowner's policy. I asked a couple of questions regarding what they would replace and what information they needed. My agent said as long as I didn't make a claim for above $10,000, I wouldn't need special coverage. However, if I wanted to insure my collection for anything over $10,000, they told me I needed to give them serial numbers and descriptions of everything, and possibly have an appraisal. If my collection is ever worth more than $10,000, I'd be a pretty happy man.

I've never had a problem with S.F. either. In addition to those that have posted good things about Farm Bureau and USAA, I also know of several people who have a lot of good things to say about them as well.

 

[NavajoNPaleFace]

I have used Farmers for over 20 years and with no problems whatsoever.

They have never asked me questions regarding firearm ownership.

I had a burglary back in 1998 that involved four firearms being stolen. They paid up with no hesitation or backlash or rheteric about owning them or if I planned on replacing them.

There is a website, www.ripoffreports.com, where anyone can post their negative experiences with anyone or companies and organizations. It's a good place to let everyone know about Amica.


But, I must remind whoever does...make it factual or the avalanche could get ya.

In the case here I can see from the wording provided a speculation that Amica denied coverage over the firearms. Certainly their questioning was suspect and shows their biases but did the ever ACTUALLY say the coverage was denied due to the firearms and did they, hopefully, put it in a letter?

(QUOTE: "The agent said I would have to be reviewed by underwriting. A day later I received a call back informing me of their decision to deny coverage. This blew my mind. This is an FYI to all that are contemplating using this company." )

That would be nice if they were dumb enough to have done that.

 

[CWL]

Thanks for letting us know about your experience with Amica.

I have never heard of them before, but now I know I will never use them.

Businesses need to know that consumers will and do take their money elsewhere if they adopt ridiculous policies based on fearmongering and left-wing PC issues.

 

[Aguila Blanca]

I have been insured with Amica all my life (since I turned 16 and got a car). Auto, home, and (when I was renting), apartment. Never had to answer any questions like that ... not ever.

I also never heard of Amica being offered through an agent. One of my high school basketball team mates is an insurance agent. He handles all my other insurance, but he has acknowledged that no company he handles can match Amica's rates or service -- and he says they sell only direct, which is how I have always dealt with them.

Something doesn't sound right about this report.