Amica Home Insurance Review

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Good range of discounts and endorsements
Great customer service
Financially sound

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With well over a century of experience protecting homes, Amica Homeowners Insurance is at the top of many people’s shortlist for providers. Impressive third-party ratings, flexible plan options, money-back dividend policies, and all-around great customer service are just a few of the reasons Amica has grown into a leader within this space.

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:
J.D. Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
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.
States served (availability):

Amica doesn’t advertise much and earns many of its customers by word-of-mouth. On’s list of most popular insurance brands, it comes in only at number 40. But that doesn’t mean you should overlook it. Organizations that assess financial strength, such as AM Best—which gives it a solid A+ score—rate it highly. And the second highest award in customer satisfaction from J.D. Power comes directly from input by almost 12,000 homeowners.


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


  • Basic website

Amica Highlights

Customer experience
Deals, discounts, and add-ons

Using Amica’s online quote tool, we received a quote of $611 a year for standard coverage of a $250,000 brick home in a suburb of Rochester, N.Y., comparable to other insurers. 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.

Your premium costs may also vary if you choose optional coverages such as a higher replacement limit for your computers, coverage for water back-up or sump overflow, or identity fraud protection. You may be able to decrease your premium with discounts, which include loyalty (once you’ve been a customer for two years), multi-line, claim free, and auto pay.

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


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 then calculated score based on 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 ratings.
  • 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 AM 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 National Complaint Index.

The Competition ScoreAM Best Financial Strength RatingJ.D. Power 2020 Score**NAIC Customer Complaints
Amica4.25A+853Fewer complaints than average
State Farm3.75A++829Fewer complaints than average
Geico2.75A++N/AMore complaints than average
Progressive3.75A+797Fewer complaints than average
Allstate4A+829Fewer complaints than average

*All information accurate as of 09/29/2020.

**Based on a 1,000-point scale

Amica vs. State Farm

When you start by looking at the third-party metrics, you can see that Amica certainly jumps out in front. In the most recent 2020 J.D. Power U.S. Home Insurance Study, Amica scored an 853/1000, while State Farm scored an 829/1000. Both scores are impressive, but the slight win goes to Amica. With discounts, both companies have similar offerings fairly standard in-line with the rest of the homeowners insurance industry. If you’re looking for better third-party metrics, try Amica. If you’re looking for a more well-known brand, check out State Farm.

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. Amica underwrites all of its policies, which provides more stability in terms of customer experience and the variety of coverage and add-ons offered.

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. The company’s website isn’t fantastic—if you’re totally new to homeowners insurance, check out the blogs and other tools at Allstate instead to learn more about the process—but that’s about the only issue we have with it. 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

About the Authors

Mary Van Keuren

Mary Van Keuren Contributor

Mary Van Keuren has been covering auto and home insurance for for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.

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