Just switched to AMICA in Sept/2011. They gave me a fabulous quote for home and auto.
The dwelling replacement cost they quoted me was $272K at 130% replacement, which was right in line with other companies I contacted for quotes. Once I signed with AMICA, I elected to have EFT from my credit card. After the first premium payment, I received a call from the agent who signed me up stating, the corporate office reviewed my coverage and based on the exterior inspection they need to increase my replacement cost to $324K in order to qualify for the 130% replacement. This is just another "bait and switch" rip-off corporation, big business who thinks they can manipulate the consumer at will.
It's time for Americans to fight back! There should be a movement to "Occupy Insurances".