ByAdam Morgan Contributor

Adam Morgan is a former senior editor for He's written about banking, credit cards, home warranties, insurance, and many other subjects.

Amica Homeowners Insurance Review

If you’ve never heard of Amica Mutual Insurance, you’re not alone. It’s a relatively small company based in Providence, Rhode Island, so it doesn’t have Super Bowl commercials, Spotify ads, or sports sponsorships like State Farm, Allstate, Progressive, or Geico. But here’s the thing — Amica is the hidden gem of the insurance industry thanks to its consistently amazing customer satisfaction rankings. That’s why we named it “Best for Customer Service” in our review of the Best Homeowners Insurance Companies. Of course, great customer service comes at a cost, so it’s possible you could get a better deal for similar coverage with a different provider.

The Claim

On its website, Amica invites homeowners to “work with a team that’s nationally recognized for customer service,” and to “form a lasting relationship – just like 94% of our customers have.”

Is it true?

Yes. For the past 17 years in a row, J.D. Power has placed Amica at the very top of their home insurance customer satisfaction survey. Amica fares just as well in Consumer Reports’ customer survey, scoring higher than any other home insurance company, including an “Excellent” rating in every single survey category. Clearly, Amica isn’t exaggerating about its customer service — if anything, it’s a little modest about it. That said, online resources and support have become an important part of the customer experience, and Amica’s website is straight from 2003: a bare-bones series of pages with basic information. You can pay your bill, submit a claim, and read the FAQ, but that pales in comparison to the online resources of Allstate, State Farm, and USAA.


Product Overview

Best for

Homeowners looking for the best possible customer service

Not for

Cheap premiums or online resources


Quotes differ person to person
In business since
A.M. Best financial strength rating
Moody's financial strength rating
S&P global financial strength rating
Standout features
Fantastic customer service
Great discounts
Good financial strength
Diverse coverage options

Fantastic customer service

As we noted in our review of USAA homeowners insurance, Amica and USAA often alternate for first place at the top of J.D. Power’s and Consumer Reports’ customer service rankings. But USAA is only available to current and former military members and their families, making Amica the top choice for most civilian Americans who want the best possible customer experience. In the 2018 J.D. Power survey, — which asks customers about their satisfaction with a provider’s “interaction, policy offerings, price, billing process, policy information, and claims” — Amica scored 821 out of 1000, more than 20 points higher than the second-place provider, and the only provider to receive five out of five Power Circle Ratings™ (USAA’s score isn’t included in the rankings because of its limited clientele). Unless you’re eligible for USAA, you literally can’t do better than Amica when it comes to homeowners insurance.

Good financial strength

You’ve probably never checked on the “financial strength rating” of a company before doing business with it, but insurance is one of the most important financial decisions an adult can make. The last thing you want is a home insurance company that goes bankrupt or runs out of money to fulfill your claim during a crisis, like the one that wreaked havoc on financial institutions in 2008. Amica’s A+ rating from A.M. Best is among the highest in the industry — as of this writing, only four major providers score higher (State Farm, USAA, Geico, and Travelers all score an overachieving A++). If the insurance industry turns south for some reason, Amica would likely be among the last providers standing.

Home dividend policies

Because Amica is a mutual insurance company, it offers homeowners the opportunity to make 5% to 20% of their annual premium back if they pay a little more up front via a home dividend policy (as opposed to a traditional policy). Amica also lets you choose where that return goes: a check in the mail, a direct deposit, or an advance payment toward a future premium.

Possible drawbacks

Few online resources

One of the major changes in home insurance over the past decade is how accessible and transparent providers have become online. As we noted in our reviews of Allstate, State Farm, and USAA, those companies have gone above and beyond to make their websites a dynamic, interactive extension of the customer service experience. Amica, on the other hand, is a bit stuck in the past. It doesn’t offer much other than basic policy information, a claims submission tool, and online bill pay.

The Competition

Enter your ZIP code for quotes in your area

State Farm
our review
our review
our review
A.M. Best financial strength rating
J.D. Power 2018 U.S. Home Insurance Study score
24/7 support

Amica vs. Allstate

Both companies offer plenty of discounts — many of them virtually identical — so the difference between Amica and Allstate largely depends on which is more important to you: customer service or coverage options. As noted above, Amica has the best customer satisfaction in the business. Allstate’s customer service isn’t poor, per se, but it usually falls close to the national average in rankings by J.D. Power and Consumer Reports. Meanwhile, Allstate offers some of the most flexible policies in the industry, so if you need special coverage options, it might be a better fit than Amica.

Amica vs. Geico

Here’s the thing about Geico: it doesn’t sell its own home insurance policies. As we noted in our Geico home insurance review, it actually outsources them to third-party underwriters. With Amica, you know you’re getting fantastic customer service, but with Geico, it completely depends on which underwriter you’re matched with — a decision that’s completely out of your control. That said, Geico may offer you a more affordable policy, so if cost is a major concern, it’s always worth comparing quotes.

Amica vs. State Farm

Amica and State Farm have a bit of a yin-yang situation going on — what one company lacks, the other does really well. While Amica’s customer service is great, State Farm’s is usually in the middle of the pack according to J.D. Power and Consumer Reports. And while Amica’s website is a dinosaur, State Farm offers cutting-edge online resources and tools that really demystify the entire insurance process. Amica does offer more endorsements (coverage options) than State Farm, so that could well be a deciding factor depending on what you need. Both companies are worth exploring for quotes.

Amica Homeowners Insurance FAQ

What does Amica homeowners insurance cover?

Like all HO-3s, a standard Amica home insurance policy covers your home and related structures, liability and medical payments if a visitor is injured and/or sues, and “loss of use” coverage if your home is rendered uninhabitable. In addition to those, Amica offers a few add-ons if you pay a higher premium, like dwelling replacement coverage, personal property replacement coverage, valuable items coverage, “catastrophic coverages,” theft coverage, identity fraud expense coverage, and home business coverage. It also offers something called Platinum Choice® Home, a package of endorsements that works like an umbrella policy for your home (and ostensibly cheaper than adding each of those endorsements separately).

Does Amica offer flood insurance?

No, but like most insurance providers, Amica agents are authorized to sell flood insurance policies through the NFIP (National Flood Insurance Program). If you live in a flood-prone area, it’s definitely a question to ask your Amica agent when configuring your policy.

The Bottom Line

Amica has the highest customer satisfaction in the insurance industry, which is why it made our list of the best homeowners insurance companies. With plenty of discounts, coverage options, and excellent financial strength, we wholeheartedly recommend getting a quote from Amica when you’re shopping for home insurance. Just make sure to supplement that quote with others, so you can make an informed decision about which provider can offer you the best coverage at the best price.


You might also like