HomepageInsuranceHomeownersAmica Home Insurance Review
Advertiser Disclosure

Amica Home Insurance Review

Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
​
Compare Rates
Good range of discounts and endorsements
Great customer service
Financially sound

Show Similar Products

USAA

Compare Rates

Lemonade

Compare Rates

State Farm

Compare Rates

Advertiser Disclosure

Close icon.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

By Reviews Staff
Last updated on Nov 10, 2025

With more than a century of experience protecting homes, Amica Homeowners Insurance remains a top contender for many shoppers. Strong third-party ratings — including an A.M. Best Financial Strength Rating of A+ (Superior) with a Stable outlook (Amica; A.M. Best) — flexible coverage options, optional money-back dividend policies, and consistently well-rated service and claims support are key reasons Amica stands out. Amica also offers modern digital tools for online/mobile claims filing and policy/billing self-service (Claims Center, Mobile App).

If you’re shopping for insurance for your home or condo, a deeper dive into the Amica Homeowners Insurance review should help you see if the company is the right fit for your needs.

Amica Home Insurance Overview

In business since:
1907
J.D. Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
853/1,000
A.M. Best Financial Strength Rating: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
A+
States served (availability):
48

Amica doesn’t advertise much and earns many of its customers by word-of-mouth. On Yougov.com’s list of most popular insurance brands, it may not top visibility charts, but that doesn’t mean you should overlook it. Organizations that assess financial strength, such as A.M. Best — which assigns Amica an A+ (Superior) rating with a Stable outlook (source; definitions) — rate it highly. Recent J.D. Power home insurance and property claims studies also underscore the importance of clear communication, digital tools, and strong claims handling among top performers.

PROS

  • Great customer service
  • Financially sound
  • Good range of discounts and endorsements
  • Money-back home dividend policy

CONS

  • Basic website
  • Higher-than-average premiums

Amica Highlights

Pricing
Coverage
Customer experience
Deals, discounts, and add-ons

Based on 2021 data from Bankrate.com, the average cost of Amica’s home insurance is $2,644 per year for $250,000 in dwelling coverage. This is quite a bit higher than the national average cost of home insurance, which is $1,312 per year. Your own quote will depend on multiple factors, from where you’re located to the year the house was built or even how close you are to a fire hydrant.

Amica offers most types of policies including the industry standard HO-3, which will offer dwelling, other structure, personal property, loss of use and personal liability coverages. 

 If you’re interested in particularly comprehensive coverage, take a look at Amica’s Platinum Choice Home, which acts as an umbrella policy and includes add-ons like water backup/sump overflow and computer coverage, among others.

Here’s where Amica excels. J.D. Powers awarded it their second highest ranking in 2020 with 853 out of 1,000 points for overall customer satisfaction. 

The Better Business Bureau gives Amica an A+ ranking and the National Association of Insurance Commissioners (NAIC) records a company complaint index of only .22 for Amica for 2018, well below the national average.

Amica offers fairly standard endorsements such as:

  • Dwelling replacement coverage, which provides an additional 30% payment if costs run higher than your limit on your repair or rebuild after a covered loss.
  • Personal property replacement coverage that will kick in to pay the full price of repairs or replacement even if the covered loss while you were traveling.
  • Valuable items coverage for jewelry, art, furs or other high ticket items that may be worth more than the standard limit for personal property coverage.
  • Catastrophic coverage, to protect you in the event of an earthquake or flood, which are not included in standard policies.
  • Identity fraud expenses coverage which will provide personal help to restore your identity and reimburse you for unauthorized charges to your credit card.
  • Home business coverage that offers protection for office equipment, like computers and desks, but also a higher liability limit in case you receive clients at home.

You can drive your premium down by taking advantage of a policy discount. Once again, Amica’s offerings are similar to those offered by other companies, including:

  • Loyalty discount if you’ve been with them for at least two years
  • Claim free discount
  • E-discount if you sign up to receive information and bill electronically
  • Multi-line if you also purchase auto, life, or another form of insurance
  • Auto-pay discount

The Competition

CompanyAM Best Financial Strength RatingJ.D. Power Score**NAIC Complaint Index
AmicaA+See latestView in NAIC CIS (by line)
State FarmA++See latestView in NAIC CIS (by line)
GeicoA++See latestView in NAIC CIS (by line)
ProgressiveA+See latestView in NAIC CIS (by line)
AllstateA+See latestView in NAIC CIS (by line)

*Information verified against the latest available sources as of 2025; see linked A.M. Best, J.D. Power, and NAIC pages for updates.

**Based on a 1,000-point scale

Amica vs. State Farm

When you look at third-party metrics, both carriers are exceptionally strong. Amica holds an A.M. Best Financial Strength Rating of A+ (Superior) and State Farm holds A++ (Superior) (Amica; State Farm). The latest J.D. Power U.S. Home Insurance Study continues to show high satisfaction among top brands, with ranks and scores varying by year and segment. With discounts, both companies offer broadly similar options. If you want stronger third-party financial metrics at the absolute top tier, State Farm’s A++ has a slight edge; if you want a highly rated direct writer known for service, try Amica.

Amica vs. Geico

Much like State Farm, Geico is another well-known and major player in the insurance game. The main difference between Amica and Geico is that the latter provides homeowners insurance through a network of third-party providers, while Amica underwrites and services its own policies — which can translate to a more consistent customer experience and menu of add-ons. Both carry strong A.M. Best financial strength (Amica A+; GEICO A++) (Amica; GEICO).

The Bottom Line

If you’re looking for a top-rated company that will give you efficient service with a fair pay-out for your claims, Amica is worth exploring. Backed by an A.M. Best A+ (Superior) rating and a service-forward, direct model, Amica pairs flexible coverage with strong support. Its web and mobile tools let you quote, file and track claims, and manage billing paperlessly (Claims Center; Mobile App). Although the online quote tool can give you a general idea of what you’ll pay, we recommend that you talk to a representative early in your fact-gathering process to see if Amica is the right company for you.

Amica Home Insurance FAQ

What other property insurance does Amica home insurance offer?

How much home insurance do I need?

Where is Amica home insurance coverage available?

What does Amica home insurance typically cover?

Methodology

We evaluated Amica homeowners insurance based on its customer rating and experience, financial stability, and coverage. To compare it with home insurance companies across the board, we analyzed the following:

  • Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction studies and related insurance studies.
  • Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
  • Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using A.M. Best’s ratings, which specializes in assessing the financial strength of insurance companies.
  • Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC Consumer Information Source (CIS) National Complaint Index (median = 1.00).

Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

The coverage limits for home insurance rates reflect the following coverage and limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Recently Added

The Best Homeowners Insurance in New Jersey of 2025

The Best Homeowners Insurance in Alabama of 2025

The Best Home Insurance Companies in Oklahoma of 2025

Table Of Contents

Prev Next