Amica Renters Insurance vs. Guardian Level Term
Side-by-side comparison · Updated 2026 · Independently reviewed
Amica Renters Insurance
Amica Mutual
4.6
Avg ~$107/yr. Lowest rates. #1 customer satisfaction. Dividend payback.
Full review →Guardian Level Term
Guardian Life
4.4
Level term with strong disability rider options. Mutual insurer focus on protection.
Full review →WealthSpott Verdict
Amica Renters Insurance wins on more measurable categories. Guardian Level Term may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Amica Renters Insurance
Guardian Level Term
WealthSpott Rating
4.6 / 5 Best
4.4 / 5
Coverage Type
Renters Insurance
Life Insurance
Avg Annual Premium
~$107/yr Best
—
AM Best Rating
—
—
J.D. Power Score
—
—
Mobile App Rating
—
—
Amica Renters Insurance
Guardian Level Term
Not sure which insurer is right for you?
Browse all insurance