Considering affordability, customer service, coverage and financial stability, Amica ranks second overall in the nation for home insurance. It offers some of the most affordable home insurance rates in select categories and excels in customer satisfaction and financial stability. Review our ratings below.
Amica Home Insurance Review
Updated: June 25, 2025
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Key Takeaways
Amica ranks third overall for home insurance affordability, with competitive rates for all home and buyer profiles.
Amica ranks first nationwide for customer satisfaction, with high financial stability ratings.
Amica ranks third overall for coverage options, including guaranteed replacement cost and home business property coverage.
Amica Home Insurance Ratings
| Overall Rating | 88 | 2 |
| Affordability | 47 | 3 |
| Customer Satisfaction | 30 | 1 |
| Coverage | 8 | 3 |
| Financial Stability | 4 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Amica Home Insurance Ratings by State
While Amica ranks within the top two nationally, these ratings vary depending on your state. The table below shows how the company stacks up by location.
| Massachusetts | 86 | 1 |
| New Hampshire | 95 | 1 |
| Rhode Island | 89 | 1 |
| Texas | 81 | 4 |
How Much Is Amica Home Insurance?
For most homeowners, Amica home insurance costs around $213 monthly and $2,559 yearly. However, depending on your unique profile and coverage needs, costs can vary from $66 to $2,133 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $213 | $2,559 |
Amica Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Amica home insurance by location:
| Massachusetts | $188 | $2,252 |
| New Hampshire | $59 | $713 |
| Rhode Island | $127 | $1,521 |
| Texas | $479 | $5,750 |
Amica Home Insurance Coverage Options
In addition to standard coverage options, Amica offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Guaranteed replacement cost | Covers the full cost to rebuild your home even if construction costs exceed your coverage limits |
Home business property | Provides coverage for business equipment, inventory and supplies used in your home-based business |
Loss assessment | Covers your portion of assessments charged by homeowners or condo associations for covered damage to shared property |
Personal property replacement cost | Pays to replace your damaged belongings with new items rather than their depreciated actual cash value |
Scheduled personal property | Offers enhanced coverage for valuable items like jewelry and art with individually listed agreed values |
Back-up of sewer or drain | Covers damage and cleanup costs when sewage or water backs up through your home's drains or plumbing |
Cyber event/Identity theft | Covers expenses and losses from identity theft and cyber attacks, including restoration and legal costs |
Amica Homeowners Insurance Review: Bottom Line
Overall, Amica ranks within our top three for home insurance policies, and we recommend reaching out to them for quotes. While Amica may be a good provider, compare other options and pricing to get the best deal.
Amica Home Insurance: FAQ
Below are answers to frequently asked questions about Amica home insurance:
Is Amica home insurance good?
Amica is a strong home insurance option, ranking second overall nationally. It scores well for affordability, customer satisfaction and coverage options.
How much is home insurance with Amica?
Amica home insurance for $250,000 in dwelling coverage averages $2,559 per year, lower than the national average. Depending on your profile and selections, costs may vary between $802 and $25,597 annually.
How is Amica's home insurance customer service?
Due to its strong reputation, Amica boasts the best ranking in our study of customer satisfaction for home insurance. Amica also ranks third for the same category, according to J.D. Power.
How We Rated Amica Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.