Amica Homeowners Insurance Review 2025: Pros, Cons, and Alternatives

Amica homeowners insurance ranks high with JD Power, operating in 48 states and Washington, D.C. Its wide range of home insurance coverage, online policy management, and independent agents make Amica an attractive option for many consumers.

Business Insider compared Amica Homeowners Insurance to the best homeowners insurance companies and found it to be an industry leader for its variety of coverage options and strong customer satisfaction ratings.

Amica Homeowners Insurance Pros and Cons

Amica Homeowners Insurance Pros

• High claims customer satisfaction rating from JD Power
• Dividend policies available
• Discount opportunities available
• Online quotes available

Amica Homeowners Insurance Cons

• Not available in Alaska and Hawaii
• Lacks specialty insurance for specific situations
• Relatively expensive

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Amica Homeowners Insurance Overview

Amica homeowners insurance has been around since 1907. While the company started solely insuring automobiles, it has since expanded to provide home, life, and umbrella policies.

In particular, Amica homeowners insurance offers consumers various customizable coverage options to ensure they get the protection they need. Additionally, it offers some of the highest rated customer service in the industry.

Amica offers a wide variety of home insurance types, including standard, comprehensive, condo, and renters insurance. With its online quoting tool, homeowners can easily shop for plans without having to commit to a policy or contact an agent until they're ready to buy.

Amica Homeowners Insurance Plans and Coverage

Here's a closer look at the protections included in each of Amica's homeowners insurance plans.

Amica HO-3 Insurance

Amica's standard homeowners insurance (HO-3) policy is its base plan. Here's what's included:

• Dwelling coverage: Dwelling coverage covers your home and any attached structures, like garages. The exact amount is determined by an Amica agent, who will run a replacement cost estimate on your home's design.
• Other structures: Amica also covers additional structures on your property, such as sheds or fences. This is a percentage of your replacement cost estimate, and it's preset by Amica.
• Personal property: Personal property coverage protects furniture, electronics, and other personal property. Amica agents can run an estimate, but many homeowners choose $300,000 or more for a single-family residence. Amica offers flexible options to meet your needs.
• Loss of use: Loss of use coverage pays for any additional living expenses you may incur while unable to live in your home, such as restaurant meals and hotel stays. Make sure to speak to your Amica agent about time limits. Unfortunately, if your repairs take too long, you could run out of coverage after a claim.
• Personal liability: Personal liability coverage covers expenses you incur if you accidentally injure someone else or damage their property. Common examples include a guest falling during a party or a dog bite.
• Medical payments: Medical payment coverage comes in handy if someone else is injured on your property, regardless of whether you're found to be at fault.

Amica HO-5 Insurance

This is Amica's Platinum Choice (HO-5) policy, which offers homeowners more comprehensive coverage. These HO-5 policies are also open perils, meaning homeowners are covered against any hazard as long as it is not excluded in the policy documents. For many homeowners, this offers additional peace of mind.

Amica's Platinum Choice home insurance policies come with all of the coverage that's included in its standard (HO-3) policies, plus the following protections:

• Dwelling replacement coverage (30% more than standard policy coverage)
• Personal property replacement coverage
• Water backup (including sump pump overflow)
• Special computer coverage
• Credit card coverage (up to $5,000)
• Business property coverage (up to $5,000)
• Valuable items extended coverage
• Loss assessment plan (includes shared common areas within your community)
• Liability and medical payment coverage (increased value of $300,000/$500,000 for personal liability and $5,000 for medical payments)

Amica HO-6 Insurance

Here's what's included in a standard Amica condo insurance policy:

• Dwelling coverage: This provides protection for built-in features, such as the walls, floors, and countertops, as well as any improvements you've made to the condo.
• Personal property coverage: This covers your personal belongings if they are damaged or stolen by a covered event.
• Loss of use coverage: This helps pay for temporary living arrangements in the event your condo becomes unlivable as a result of a covered loss.
• Liability coverage: Liability coverage is separate from medical payments and protects you if someone is injured in your home and you're found liable.
• Loss assessment coverage: This helps cover the cost of shared areas or common spaces in your condo building beyond what your homeowners association will pay.
• Medical payments coverage: This will help pay for medical expenses if someone else is hurt in your condo unit.

Amica HO-4 Insurance

Here are the protections offered by a standard Amica renters insurance policy:

• Personal property coverage: This protects all of your personal possessions, such as clothes, electronics, furniture, and more, from a covered loss.
• Liability protection: In the event you're found at fault for someone else being hurt on your property, or if you damage someone else's property, you're covered.
• Loss of use coverage: This offers support if you temporarily have to live somewhere else due to a covered loss.
• Medical payments coverage: This type of coverage will help cover medical bills if someone is injured in your home, regardless of who's at fault.

Additional Cover Options (Riders) Offered by Amica Homeowners Insurance

In addition to Amica's base policy, you can add riders to customize coverage. Each has a fee, but the added cost is much lower than the out-of-pocket costs without coverage. A few examples include:

• Enhanced Dwelling Replacement: Adds 30% coverage to rebuild or replace your home after a qualifying event. This could come in handy after a natural disaster, when the cost of repairs may be artificially high due to increased demand.
• Special Items: If you have a baseball card collection, a unique necklace, or other expensive items, your personal property coverage may only offer partial coverage. You'll need special item coverage and an appraisal for some items at a certain point.
• Water Backup: This coverage is commonly available and only costs a few dollars per month. Some insurance companies include it as standard coverage, simplifying the quoting process. Currently, our Amica quotes indicate buyers would have to add it on. It covers damage from water backups or sump pump overflows that could cause water damage, mold, and more.
• Special Computer Coverage: This is much like your special items coverage. But it provides extended coverage specific to computers and other smart devices.
• Flood insurance: Flood insurance fills gaps in your basic homeowners insurance policy that typically excludes damage caused by a flood. Depending on where you live, flood coverage may be required.
• Scheduled personal property: This is for homeowners who have high-value items, such as jewelry, collectibles, antiques, and more.
• Replacement coverage: This coverage protects your property at its current market value rather than depreciated worth.
• Electronics coverage: This provides protection for electronic devices, such as computers, tablets, and smartphones, from losses that may be excluded from your standard policy.
• Identity theft protection: This coverage helps lessen the financial burden of having your identity stolen. Identity theft protection may assist in paying for legal fees and expenses related to restoring your identity.
• Umbrella insurance: This type of coverage provides additional liability coverage to protect you and your assets in the event of a major loss.

Amica Homeowners Insurance Cost

Ultimately, the average cost of home insurance from Amica will depend on several factors, including the type of policy you choose, any riders you add, and your selected claim limits.

That said, consumer reports for Amica indicate that this provider may be more expensive than others. However, many customers feel the coverage is worth the price, especially regarding customer service and claims support.

We used Amica's quoting system to generate estimates for a house in Albuquerque built in the late 70s, worth just over $400,00 owned by a 38-year-old. We chose Albuquerque because the New Mexico's average for homeowners insurance rates is closest to the national average. Additionally, the median home price in America is just over $416,000.

We were quoted $318 monthly and $636 down for a standard plan or $284 monthly and $567 down for the recommended plan. At $3,812 or $3,400 annually, Amica is on the more expensive side. It's worth noting that we opted out of up to 12% in discounts.

A user who chose to be known simply as "Customer" told TrustPilot: "I have carried Amica auto and home insurance for more than 46 years, essentially my entire life. Even though there are certainly cheaper insurance companies out there, with cute little mascots and dopey ads, I have had exceptional personable yet professional service from Amica. They have been very responsive and have taken care of our claims without question! As such, I intended to stay with Amica!"

Amica Homeowners Insurance Discounts

Amica lets you save money without having to sacrifice quality coverage by offering the following discounts:

• Bundling: Bundling home and auto, umbrella, or life insurance with Amica can potentially lead to savings of up to 30%.
• AutoPay: Amica offers discounts for customers who opt-in to automatic premium payments.
• Paid in full: You can save money with Amica by paying for your entire policy upfront.
• E-discount: Amica offers a discount for customers who agree to go paperless. This means you'll receive your policy documents and bills electronically.
• Claim-free: If you haven't submitted any claims for three years, you may be eligible for a discount from Amica.
• Loyalty: Loyal customers who stick with Amica for at least two years may receive a discount from the insurer.
• Safety: You may qualify for discounts when you install fire alarms, sprinkler systems, burglar alarms, or automatic leak detection devices in your home.
• New or remodeled homes: Amica customers who insure a new or recently renovated home may receive a credit.

How to Purchase and Manage an Amica Homeowners Insurance Policy

You can get a quote for home insurance on Amica's official website or by calling 800-242-6422. When you request a quote online, you'll first be asked to enter your ZIP code. Then, you'll be prompted to enter your address.

The next pages will ask you for information about you, such as your full name and date of birth, as well as information about your home, including the year it was built and square footage. The final step of the quote request involves potential discounts you may be eligible for. Discounts may help lower your home insurance premium.

Along they way, Amica provides information if you don't understand any of the terms. It'll also provide an explanation of how certain information will affect your premiums.

To manage your Amica homeowners insurance policy, you can log in to your online account via the Amica website or the Amica mobile app. Amica's free mobile app lets you access your policy details, check claims status, submit payments, and more.

Amica provides home insurance coverage in 48 states, including Washington, D.C. If you live in Alaska or Hawaii, you'll have to find coverage elsewhere.

How to File a Claim with Amica Homeowners Insurance

Amica prefers that consumers submit claims through its online Claims Center portal or mobile app. Log into its portal to file your claim, submit supporting documentation, and chat with live representatives during certain hours. Amica representatives are available Monday through Friday, 8 a.m. to midnight ET, and Saturday, 10 a.m. to 5:30 p.m. ET.

However, the company also allows you to submit a claim over the phone. You can do so by calling 800-242-6422.

Amica Homeowners Insurance Customer Reviews and Ratings

Overall, Amica homeowners insurance has stellar customer reviews and ratings. The insurer is accredited by the Better Business Bureau (BBB) and has an A+ rating. Ratings awarded by the BBB take into account factors such as customer complaints, the business' efforts to resolve customer complaints, and transparency in business practices.

Amica also has an average of 4.4 stars on Trustpilot, which stands out in an industry known for its poor customer service reviews. Customers reported helpful agents and fast claims, though reviews pertained to Amica as a whole, not just its homeowners insurance. A great deal of its reviews are related to Amica's car insurance policies.

Amica ranked highest in the most recent JD Power U.S. Property Claims Satisfaction Study. This means homeowners were very pleased with the insurer's claims process. In the recent JD Power U.S. Home Insurance Study, Amica ranked third with a score of 679 out of 1,000. In other words, Amica homeowners insurance customers were highly satisfied with the service, pricing, and coverage they received.

The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

Amica received a 1.30 on the Company Complaint Index, indicating that it has more complaints than expected.

Amica has an excellent AM Best rating of A+ (Superior). This indicates that the insurer is able to meet its insurance responsibilities and is financially stable. The information is valuable to consumers, because it shows that the insurer is likely to pay out claims.

The insurance provider's mobile app has more mixed reviews. In the Apple App Store, the Amica mobile app received 4.8 stars out of five, while in the Google Play Store, the app only received 3.2 stars out of five. Many customers praised Amica's excellent customer service, whereas others commonly complained about experiencing technical difficulties while using the mobile app.

Amica Homeowners Insurance Alternatives

See how Amica compares to three other options for home insurance coverage: Allstate, Lemonade, and State Farm.

Amica vs. Allstate Homeowners Insurance

Allstate Homeowners Insurance and Amica both offer standard coverage for homeowners insurance policies. These include dwelling, other structures, personal property, and loss of use coverage. The two providers also have strong customer service ratings, though Allstate works exclusively through its captive agents (who can only quote for Allstate). On the other hand, Amica is widely sold through a network of independent insurance agents. So you can get multiple quotes at once.

However, Allstate's riders include coverage for manufactured homes, home-sharing situations, and an umbrella policy. It also offers life insurance and other products to ensure you can bundle all your insurance needs in one place. Most importantly for some customers, Allstate is available in all 50 states and Washington, DC. Unfortunately, Amica is not available in Hawaii or Alaska.

Read our Allstate homeowners insurance review.

Amica vs. Lemonade Homeowners Insurance

Lemonade Homeowners Insurance and Amica differ significantly, starting with the types of insurance policies offered. While Amica is well-known for its homeowners' insurance coverage, that is only one insurance product. It also underwrites auto, life, marine, and umbrella policies. Lemonade also offers home, auto, pet, and life policies. But unlike Amica, it only has a short list of states it's licensed to do business in.

The most significant difference is that Lemonade aims to provide a fully online experience. So, from start to finish, you'll use the company's website or mobile app. On the other hand, Amica offers a full suite of customer support options, including online policy management, phone support, and insurance agents who can help with quotes, claims, and more. So, Amica is friendlier to many customers who want extra help or may not be as tech-savvy.

Read our Lemonade homeowners insurance review.

Amica vs. State Farm Homeowners Insurance

State Farm Homeowners Insurance closes the small gap of the 50th state. It offers homeowners, auto, and many other insurance products in all 50 states and Washington, DC. Amica can only cover homes in 48 states and Washington, DC. State Farm is known for its customer service and diverse range of insurance products with high JD Power rankings in multiple areas. However, it only quotes through captive insurance agents. So, to compare quotes, you must complete at least two applications.

On the other hand, Amica uses independent agents who can quote for multiple insurance companies at once. As a result, it has more limited offerings than State Farm. Specifically in auto insurance claims, though, it outranks State Farm. Regardless, both companies offer similar policy management support and options, and customers would likely find acceptable home insurance options with either company.

Read our State Farm homeowners insurance review.

Why You Should Trust Us: What Went into Our Amica Homeowners Insurance Review

While reviewing Amica's home insurance policies, we did our best to compare the company against other top insurance providers within the industry. We took the following factors into consideration:

• Breadth of coverage: We compared Amica's standard and Platinum Choice policy offerings to those of its competitors. We also reviewed the insurer's additional coverage options.
• Prices: Finding coverage that meets your needs and fits your budget can be a challenge. We examined quotes and compared them to competitors. In addition, we looked at the discounts Amica homeowners insurance policies offer.

• Customer service: We researched reviews and ratings from sites like the BBB and ConsumerAffairs. We also read ratings from recent JD Power studies to determine customer satisfaction.
• Financial stability: We reviewed ratings from AM Best that indicate the insurer's financial strength as well as financial stability.

Ultimately, choosing the best policy for you and anyone living under your roof is about selecting a policy that provides the necessary types of coverage and offers coverage limits that suit your needs. Ideally, you should also work to find a premium that fits easily into your budget and a company that enables you to submit a claim quickly.

Read more about how Business Insider rates homeowners insurance.

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