Amica Home Insurance Review

Amica features one of the best home insurance products in the business, offering flexible policies, outstanding customer service, and a near-flawless claims process.



Amica could be the standard bearer in property insurance, offering a wide range of products at affordable rates with top-notch customer service. Amica’s exceptional work hasn’t gone unnoticed either, as they won J.D. Power’s top prize for home insurance customer satisfaction for a staggering 17th year in a row in 2018. Amica also took the top spot in J.D. Power’s property insurance claims study for the seventh year in a row.

If you get insured through Amica, you can expect the very best in coverage, rates, and customer service. Whether you want a lean policy with minimal coverage amounts, or something more robust with a number of coverages baked into it, Amica is able to accommodate your needs. You can also rest easy knowing that, when it comes time to file a claim, Amica will do their part to make the process as painless and transparent as possible.

Amica also offers several perks, like their “Contractor Connection” service and multiple discount opportunities. Another perk of joining up with Amica is their dividend program which very few, if any, insurers offer. With the Amica dividend program, you pay more for your policy up front, but since the payment is invested as a dividend, a portion is refunded to you at the end of your policy term.


  • Best-in-class customer service and claims experience
  • Exceptional home repairs and contractor network
  • Offers dividend policy payment options, which reimburses you 5% to 20% of your policy payment if you pay for your entire premium up front
  • Highly customizable coverage to suit your needs


  • Certain types of additional coverage offerings and policy options (like dividend policy payments) aren’t available in some states

Amica by the numbers

Founded: 1907

Market share: 0.9%

A.M. Best rating: A+ (Superior)

Better Business Bureau rating: A+

Consumer Reports: 94 (No. 1 among insurers)

J.D. Power: 5 out of 5 (Among the best)

What states is Amica available in?

Amica homeowners insurance is available in 49 states and the District of Columbia. Hawaii is the only state where Amica doesn’t currently offer policies.

Amica home insurance state availability

ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
Hawaii Oregon
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
MichiganWashington D.C.
MinnesotaWest Virginia

Policy details

Amica offers home insurance products for most kinds of homes and coverage needs. You have the option of keeping it simple with their standard coverages and adding on coverage endorsements as need be. If you want robust coverage but don’t want to add it all manually, Amica’s Platinum Choice policy package may be right for you. Platinum Choice features extended replacement value dwelling coverage, replacement cost personal property coverage, and a host of additional coverages baked into the policy.

Amica coverage tiers

Standard coverage


  • Replacement cost dwelling coverage
  • Other structures coverage
  • Personal property coverage
  • Loss-of-use coverage
  • Personal liability coverage
  • Medical payments to others coverage

Platinum Choice


  • Enhanced dwelling coverage, extending your coverage up to 30% if rebuild costs go up
  • Replacement cost personal property coverage
  • Valuable items extended coverage for lost or stolen items like jewelry or furs
  • Computer coverage
  • $300,000-$500,000 in personal liability coverage
  • $5,000 in medical payments coverage
  • $5,000 in water backup coverage
  • $5,000 in credit card coverage
  • $5,000 in business property coverage

How much does Amica cost?

The cost of homeowners insurance varies considerably from state to state, but Amica’s rates are among the most competitive in the industry, as they’ll write a policy for almost any type of home and pricepoint. Below is a Platinum Choice quote for a 50-year-old, 1,600-square-foot, four-bedroom house with a $2,500 deductible.

Primary coveragesPolicy limits
Other structures$23,400
Personal property$175,500
Personal liability$500,000
Medical payments for guests$5,000

Additional coverages

  • Water backup coverage - Protects your stuff in the event your sewage goes in the reverse direction of where its supposed to go
  • Computer coverage - Laptops, tablets, and smartphones are more broadly covered against certain types of damage, like power surges, heat warps, or spilled coffee
  • Loss assessment coverage - Extended coverage for communal property where you’re not the primary owner
  • Valuable-items coverage - High sublimits and expanded protection for jewelry, silverware, furs, art, cameras, musical instruments
  • Credit card coverage - Up to $5,000 in coverage if your credit cards are stolen and used fraudulently
  • Business property coverage - $5,000 in coverage for business property inside the home, $2,000 for property away from the home

Here’s how Amica stacks up against the competition in terms of the most common coverage endorsement offerings:

Homeowners insurance coverage endorsements by carrier


  • Multi-policy discount - Save up to 15% when you have more than one policy with Amica
  • Claim-free discount - You’re eligible for a claim-free discount if you’re able to go more than three years without filing a claim
  • Loyalty discount - When you’ve been with Amica for at least two years
  • E-discount - When you opt to receive policy information and billing electronically
  • Auto-pay discount - When you put your insurance payments on auto-pay
  • Alarm system discount - Save if your home is armed with burglar alarms, sprinklers, or fire alarms, and save even more if they alert police or fire departments
  • Automatic detection devices discount - Trim money from your bill by modernizing your home with water and gas leak sensors
  • ** New/remodeled home discount** - Discount if you’re insuring a new or remodeled home

Company details

Application process

Amica may not promise you a quote in five seconds, but they still make the process fairly easy. Most of Amica’s application process can be done online.

You simply answer a form that asks basic questions about your insurability and if you’d like to bundle home and auto policies, and then you’re led to a page where you input information about your home’s specs, your proximity to fire stations and hydrants, and other applicable information.

You then select how much, if any additional coverage you’d like, like if you’d like water backup coverage, or computer coverage, or identity theft coverage, for instance. Amica then runs your quote, which they provide within seconds, along with instructions to call an agent to discuss your plan further. The entire process took about five to 10 minutes.

Claims process — 5 out of 5 claims satisfaction rating with J.D. Power

Amica excels mightily in the claims department, an area that seems to be the Achilles’ heel of so many other companies who sell home insurance. As we already pointed out, Amica received a five out of five claims satisfaction rating with J.D. Power — the highest in the industry. Amica has also earned high marks from Consumer Reports, which is a reputable consumer insights website in its own right.

Amica offers an easy claims filing process, allowing you to submit losses through the insurers mobile app, on the web through their “claim center”, or over the phone. You can also check on how Amica is handling your claims through their claims tracker, which you can easily monitor through their app, on the web, or over the phone.

Once your claim is accepted, Amica can put you in touch with a contractor through the company’s network. One perk of going through Amica for repairs is that they’re paired with a warranty.

Other types of property insurance offered

Amica offers several types of property insurance. If you’re looking to buy home insurance with Amica and you have other property that needs coverage, consider bundling insurances.

  • Car insurance - Protects your whip
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure, all your stuff inside, and any additional liability coverage you need to supplement your HOA's master policy
  • Marine insurance - Insurance for watercrafts
  • Landlord insurance - Coverage in case your tenants burn your building down
  • Umbrella insurance - Increased liability coverage limits for your home and car
  • Small-business insurance - Insurance for your small business
  • Wedding and event insurance - Financial protection for the special day

Digital tools

  • Web application
  • Web policy viewer
  • Web and mobile claims
  • Amica mobile app

Contact info

Phone: (800) 242-6422
Headquarters: 100 Amica Way, Lincoln, RI, 02865

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.