Amica introduced several new homeowners endorsements in Texas, including protections for buried utility lines, equipment breakdowns, cyber incidents, roof and siding matching, and claim forgiveness.

The filing was submitted on May 26, 2026, with a requested effective date of October 1, 2026, for new and renewal business.

Among the new offerings is a buried utility line endorsement that provides up to $10,000 for damage to underground utility lines caused by events such as mechanical breakdown, wear and tear, freezing, rust, corrosion, and electrical arcing. The endorsement also includes excavation costs, temporary repair expenses, outdoor property damage, and “new generation” upgrades using environmentally friendly materials.

Amica also added an equipment breakdown endorsement covering losses tied to mechanical or electrical failures involving covered household equipment. The endorsement extends to pollution cleanup costs, sump overflow losses resulting from equipment breakdown, and expedited repair expenses.

The filing includes a new Family Cyber Protection endorsement with a $25,000 aggregate limit covering social engineering scams, cyber bullying, identity theft, internet reputation cleanup, breach response costs, online extortion, and system compromise events. The coverage includes reimbursement for expenses such as psychiatric services related to cyber bullying, ransomware payments, legal fees tied to identity theft, and restoration of compromised home computer systems.

Additional endorsements include Matching Roof and Siding Protection, which reimburses homeowners for the cost of replacing undamaged roof surfaces or siding to achieve a reasonably uniform appearance after a covered loss, and a Large Loss Deductible Waiver that waives up to $2,500 of a deductible for covered losses of at least $75,000.

Amica also updated its Renters Rewards program, allowing renters to accrue up to $500 in credits that can later reduce premiums on homeowners or condominium policies, and introduced Home Claim Forgiveness, which waives a qualifying chargeable loss for policyholders with five years of continuous claims-free coverage.