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Last updated on Apr 03, 2020

Amica Home Insurance Review

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  • Great customer service
  • Financially sound
  • Good range of discounts and endorsements
  • money-back home dividend policy
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How We Reviewed Amica Home Insurance

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7 companies compared

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4 features evaluated

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5 ratings analyzing

Amica Home Insurance Review

Although it’s a smaller company, you’ll consistently find Amica at the top of the “best of” lists largely on the strength of its excellent relationship with its customers. We awarded it “Best Customer Service,” in fact, in our Best Homeowners Insurance Companies.

The company is financially solid with comprehensive offerings including a money-back dividend policy. You’ll find a good range of discounts and the opportunity to choose from a variety of endorsements to customize your coverage.

Amica’s main drawback is minor. It has a dinosaur of a website, which includes only the basics: you can pay your bill, make and monitor a claim, and get an online quote, but not much else. If you want extensive online resources, we recommend that you look at larger insurers such as Allstate and State Farm—both of which include extensive blogs and customer tools on their websites.

24/7 customer service that’s there when you need it
Financially stable
Money-back dividend policies available
Bare-bones website

The Home Insurance Factors We Analyzed


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 special coverage 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’s dividend policy also helps you save by returning up to 20% of your premium to you, via direct deposit or a mailed check, or you can choose to apply it toward a future premium. Although the policy may be slightly more expensive, it could save you in the long run.

It’s worth noting that it pays to call and talk to an agent directly, even if you’ve gotten an online quote. An agent can dig deeper and find additional discounts or refine your quote in a way that the online system can’t.

Customer experience

Here’s where Amica excels. J.D. Powers awarded it their number one ranking in 2019 for the 18th consecutive year, beating out even perennial favorite USAA. Amica earned five out of five Power CirclesTM from the rating organization for overall customer satisfaction, first notice of loss (how well the company reacts to the initial claim), claim servicing, and settlement (how fair claimants feel about their final awarded amount).

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.

Not surprisingly, when we called Amica with questions, we found its representatives uniformly helpful. Getting an online quote was easy, but the quote tool prompts us with far fewer questions about our circumstances and home than some of the other large companies—leading us to conclude that our quote was more of an electronic guesstimate. You’ll want to call one of Amica’s friendly agents for a more specific quote to ensure accuracy and get the best price.


The most common type of homeowners insurance is called an HO-3 policy, and it covers four general areas:

  • dwelling coverage, which pays to repair or rebuild the house;
  • coverage for the contents of the house, from furniture to clothes;
  • liability coverage to protect you from lawsuits if someone is injured at your house;
  • additional living expenses, which would pay for a hotel and other costs if you need to live away from your home while it’s being repaired.

Amica offers most types of policies including HO-3s, as well as policies for renters and condo owners. You’ll also find coverage for home businesses and identity fraud coverage to help if someone hacks your credit. 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.

Deals, discounts, and add-ons

Amica offers fairly standard endorsements such as dwelling replacement coverage, which provides an additional 30% payment if costs run high on your repair/rebuild; valuable items coverage for jewelry, art, furs or other valuables; and catastrophic coverage, in the event of an earthquake or flood.

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: a loyalty discount if you’ve been with them for at least two years; claim free discount; an 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; and an auto-pay discount.

Amica Home Insurance Overview: Financial Strength, Availability, and History

Amica has more than a century of business know-how, and is the oldest mutual insurer of autos in the country. It’s built a well-deserved reputation as a company that stands out for great customer service and fast, efficient servicing of claims.

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 comes in only at number 40. But that doesn’t mean you should overlook it. Organizations that assess financial strength, such as A.M. Best—which gives it a solid A+ score—rate it highly.

Consumer Report’s reader score of 94 puts it at the top of its list of best homeowners insurers. And the “Highest in Customer Satisfaction” award from J.D. Powers comes directly from input by almost 14,000 homeowners who have Amica policies.

  • In business since: 1907
  • S&P Financial Strength Rating: N/A
  • Moody’s Financial Strength Rating: N/A
  • A.M. Best Financial Strength Rating: A+
  • States served (availability): All fifty states

The Competition

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

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 Reviews.com 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.