Amica Home Insurance Review

Top-ranked homeowners insurance and excellent customer support

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Amica Mutual Insurance

Founded in 1907, Amica Mutual Insurance Company boasts 1.5 million policies in force and assets of $5.7 billion as of Dec. 31, 2020. Headquartered in Lincoln, Rhode Island, Amica is a direct writer of auto and homeowners insurance policies, and offers home insurance in 49 states and Washington, D.C. Amica’s standard homeowners policies provide all the coverages most homeowners need, and its Platinum Choice Plan offers a collection of optional coverages that add an extra layer of protection for your house and valuable personal property. Amica has consistently earned top rankings for its home insurance policies and customer care, making it an insurer worth considering for most homeowners.

  • Pros and Cons
  • Company Overview
Pros and Cons
  • Top-ranked for customer service in J.D. Power surveys

  • Dividend policies may allow you to get back 5% to 20% of your annual premium (not available in all states)

  • Offers business coverage endorsement for those who work at home

  • Doesn’t list all endorsements on its website, so you’ll have to ask about specific options

  • Doesn’t offer landlord insurance

  • Not available in Hawaii

Company Overview
  • Official Website
  • Insurance Offered Car, life, home, marine, pet, motorcycle, wedding/event and more
  • Customer Service Available by phone (800-242-6422).
  • Year Founded 1907

Amica Home Insurance Policy

Amica offers the typical HO-3 policy, along with a more comprehensive option. The Standard policy offers:

  • Dwelling coverage
  • Other structures
  • Personal property
  • Valuable items 
  • Loss of use
  • Liability coverage
  • Medical payments

Amica’s Platinum Choice Home plan offers the same protection as the Standard plan, but with increased limits and additional coverage options included that are usually only available by adding on endorsements, such as protection for business property, computers, credit cards, and water backup. 


Depending on your state, you may be able to augment your Standard policy with these optional additional options or expanded coverages, which are also called home insurance endorsements. These may include, among others: 

  • Dwelling replacement: Increased coverage by 30% 
  • Personal property: Replacement cost coverage 
  • Scheduled personal property/valuable items coverage 
  • Identity fraud expense coverage
  • Home business coverage 

Amica’s Cost for a Standard Policy

Homeowners insurance costs can be influenced by a variety of common and more surprising factors, including:

  • Your credit history, where legally allowed
  • Your location
  • Home security system
  • Your claims history
  • The distance between your house and a fire hydrant
  • Age of home, plumbing, electrical and heating
  • Home rebuilding costs 
  • Your policy’s limits and deductibles
  • Any extras or endorsements you might request
  • Any discounts you qualify for 

Amica offers the same coverage through two types of policies: dividend and non-dividend. Dividend policies are available in most states and generally cost more up front than regular policies, but may return up to 20% of your premium at the end of the year. Dividends aren’t guaranteed and the cost difference depends on your location, but it might be worth comparing quotes to see whether a dividend policy is right for you.

Other Amica Property Insurance Policies

Amica doesn’t offer quite as many property insurance options as other insurers—for example, it doesn’t offer landlord insurance. But depending on your state, you may be able to sign up for: 

  • Condo insurance
  • Renters insurance
  • Flood insurance
  • Earthquake insurance

Amica Home Insurance Discounts 

Amica extends a handful of standard discounts to reduce your premium, although dividends may vary by state or policyholder.

  • Home: Alarm system discount, automatic detection devices discount, new or remodeled home credit 
  • Policy: Autopay discount, claims-free discount, electronic billing, loyalty discount, multi-line discount (up to 30%)

Amica Home Insurance Availability

Amica offers homeowners insurance in all states, except Alaska and Hawaii. 

How to Get a Amica Homeowners Insurance Quote

Amica offers three ways to request a quote:

  • By phone: 800-242-6422
  • Online:
  • Using the Amica app for Apple and Android devices 

When contacting Amica for a quote, you’ll need to have:

  • Property address
  • Date the home was built
  • Home’s construction type, such as wood frame or masonry
  • Home’s proximity to a fire station and fire hydrant

If you’re getting quotes with a company that uses credit ratings to obtain your insurance rate, always provide the information for both spouses. Some companies will use the rate of the person with the best credit score, so this strategy will save you money.

How to File a Claim with Amica

You can file an Amica home insurance claim online, through the Amica app, or by phone at 800-242-6422. Before filing a claim for stolen property, contact the police and file a report.

Following a loss, file a claim as soon as possible. After filing a claim, contact a contractor to obtain an estimate of repair costs. A claim handler will contact you to inform you if the process will also require an adjuster’s visit.

The payment process varies according to the complexity of the loss. For minor claims, Amica often makes payment after confirming your coverage, inspecting the property, and estimating costs.

Amica Customer Service

Study How Amica Fared
J.D. Power 2021 Home Insurance Study #1 out of 21
J.D. Power 2021 Property Claims Satisfaction Study #4 out of 19

J.D. Power’s 2021 U.S. Home Insurance Study surveyed homeowners for customer satisfaction with price, interactions, policy information and offerings, the billing process, and the claims experience. Amica scored 854 out of 1,000 points, well above the average of 825. When stacked against 20 other insurers, it earned the top ranking.

The 2021 J.D. Power Property Claims Satisfaction Survey surveyed customers for customer satisfaction with their property claims experience with settlements, claim servicing, reporting a loss (first notice of loss), and the estimation and repair processes. Amica came in fourth among 19 insurers, scoring 894 out of 1,000. The industry average was 883.

Amica doesn’t sell insurance products through local offices or independent agents. Instead, it operates a call center staffed with its own representatives, who can help you apply for a policy, file a claim, or make changes to your policy.

Financial Stability

AM Best’s ratings are a good indication of financial stability, which is important to customers considering whether a company will be able to pay its claims. It rates companies on a scale of "A++" to "D". AM Best currently gives Amica Mutual an "A+" (Superior) rating, which means the carrier has a superior ability to pay its claims. 

Other Types of Insurance Provided by Amica

Most consumers need much more than homeowners insurance, and Amica delivers with:

  • Vehicle insurance: Auto, motorcycle, boat
  • Life insurance
  • Pet insurance
  • Small business insurance
  • Wedding and event insurance
  • Personal umbrella insurance

Compare Other Home Insurance Reviews

When shopping for home insurance, it’s important to shop around to find the best fit. Look for a carrier that can provide the best combination of coverages, discounts and price. If Amica isn’t the right insurer for you, consider one of these highly rated carriers:

  • USAA (if you have a military background or family connection)
  • State Farm
  • Allstate
Final Verdict

You can’t beat Amica’s commitment to quality home insurance coverage and customer support. Its high consumer rankings and excellent financial rating make it a great choice for any homeowner shopping for sound coverage. And for folks who need a little more coverage, Amica’s Platinum Choice Home package provides added protection.

Although Amica makes the grade with excellent coverages, it doesn’t offer the personal attention that only a dedicated local agent can provide. And if you own a home in Hawaii, you’ll have to keep searching, because Amica doesn’t offer homeowners policies there.


The Balance strives to give consumers unbiased, comprehensive reviews of homeowners insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. “Home Insurers Struggle with Customer Loyalty as Boomers Flock to Rental Market, J.D. Power Finds.” Accessed Dec. 10, 2021.

  2. J.D. Power. "Surge in Digital Home Insurance Claims During COVID-19 Drives Faster Cycle Times and Improved Customer Satisfaction, J.D. Power Finds." Accessed Dec. 10, 2021.

  3. Businesswire. “Amica Mutual Insurance Company.” Accessed Dec. 10, 2021.