Amica’s average homeowners insurance cost for a policy with $250,000 in dwelling coverage averages $119 monthly, or $1,424 per year. Coverage scales up from there, reaching roughly $370 monthly, or $4,434 annually, at $1 million in dwelling protection. The table below breaks down average costs across five coverage levels, where you can filter by deductible to compare cheap homeowners insurance with Amica.
Amica Home Insurance Review
Updated: July 29, 2026
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Amica
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.9/5Customer Experience
3.6/5Coverage Points
Average Annual Premium
$1,425Number of Endorsements
6Number of Discounts
10
MoneyGeek's home insurance scores weigh affordability at 55%, customer satisfaction at 30% and coverage options at 15%, so affordability plays the largest role in a provider's overall score. Scores and rates are based on a sample homeowner between 41 and 60 years old with good credit and no recent claims, insuring a 2000-built home with $250,000 in dwelling coverage and a $1,000 deductible. That pricing comes from actual rates insurers file with state regulators, gathered across 925 ZIP codes and 57 carriers, not estimated or self-reported quotes. Read more about MoneyGeek's home insurance methodology.
Amica Home Insurance Review: Overall Costs by Profile
Data filtered by:
$1,000
Good
Middle Age
Claim free for 5+ years
| $100K Dwelling / $50K Personal Property / $100K Liability | $69 | $832 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $119 | $1,425 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $204 | $2,451 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $286 | $3,427 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $370 | $4,434 |
Home age plays a bigger role in Amica's pricing than it might seem. An older home averages $114 monthly for $250,000 in dwelling coverage, close to the $119 monthly average for a middle-aged home, while a newer home averages just $79 monthly for the same policy. That roughly $40 monthly gap reflects age alone, not any change in coverage.
Amica Home Insurance Review: Rates by State
Amica's home insurance rates vary widely across the four states MoneyGeek has pricing data for, from $742 annually in New Hampshire to $1,978 in Massachusetts. Connecticut and Rhode Island fall in between, averaging $1,077 and $1,350 per year. Local risks like weather, construction costs and state regulation help explain why the same $250,000 policy costs so differently depending on where a homeowner lives.
| Connecticut | $90 | $1,077 |
| Massachusetts | $165 | $1,978 |
| New Hampshire | $62 | $742 |
| Rhode Island | $113 | $1,350 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Amica Homeowners Insurance Discounts
Amica sells 10 homeowners insurance discounts, and availability can vary by state. Grouped by category, that comes down to about five or six different ways to actually save: three reward home security upgrades, three are tied to billing behavior, and the rest depend on the homeowner's own history with Amica. Multiline is worth checking first for anyone who can bundle other policies in, since it's the largest discount on the list.
Multiline | Save up to 30% by bundling home with auto, umbrella or life insurance, the largest discount on the list and worth checking first if you hold other policies. |
Loyalty | Save after two or more years insured with Amica, rewarding homeowners who stay rather than switch providers. |
Claim-free | Save by going three years without a claim, since claims history is one of the more direct ways a homeowner's own record affects what they pay. |
AutoPay | Save by paying premiums through automatic deductions, an easy discount with no real downside if you're comfortable with automatic payments. |
E-Discount | Save by switching to paperless billing and policy documents, a low-effort discount that stacks with others. |
Paid in Full | Save by paying the full annual premium upfront instead of in installments, useful if you can cover the cost in one payment and want to skip installment fees. |
Alarm System | Save for installing a security, fire or sprinkler system, which can also lower the odds of a costly claim in the first place. |
Automatic Detection Devices | Save for installing temperature, water leak or gas detection systems, especially useful in older homes prone to pipe or heating issues. |
Safety Devices | Save for other approved protective devices that reduce potential loss, worth asking Amica directly which devices qualify since it can overlap with the discounts above. |
New/Remodeled Home Credit | Save if the home is newly built or recently remodeled, on top of the lower baseline rates newer homes tend to get. |
What Does Amica Homeowners Insurance Cover?
Every Amica policy includes six standard home insurance coverages, the same baseline most insurers build a policy around. Here's what each standard coverage protects and how Amica handles it in practice.
Dwelling CoverageDwelling coverage is responsible for your home's main structure, its foundation, walls and roof, paying for repairs or rebuilding after a covered loss like fire, wind or vandalism. If the damage is serious, Amica's Home Repair Assistance Program can help arrange emergency services while the claim is being processed, one less thing to manage during repairs.
Other Structures CoverageOther structures coverage insures detached buildings on the property, garages, fences and sheds, covering repair or replacement if they're damaged by a covered event. It's a separate limit from dwelling coverage, so damage to a detached garage doesn't reduce what's available to rebuild the main house.
Personal Property CoveragePersonal property coverage pays to replace belongings like clothing, furniture and electronics against theft or damage, whether the loss happens at home or somewhere else. Homeowners with higher-value items can raise those limits through Amica's Scheduled Personal Property add-on, covered in the optional coverages section below.
Personal Liability CoveragePersonal liability coverage pays for legal defense, medical costs and settlements if you're found responsible for someone else's injury or property damage. It applies away from home too, so an incident that happens elsewhere can still be covered under the same policy.
Medical Payments CoverageMedical payments coverage provides limited reimbursement for minor injuries that occur on your property. It pays for immediate medical expenses, regardless of fault, to help avoid larger liability claims.
Loss of Use CoverageLoss of use coverage covers the cost of temporary housing and daily expenses if your home becomes unlivable after a covered loss. It ensures you have financial support for essentials like lodging and meals during repairs.
What Does Amica’s Home Insurance Not Cover?
Amica's standard policy doesn't cover earthquake damage, intentional or preventable damage, or losses tied to war, nuclear hazards and government seizure. These three exclusions are standard across the industry, not unique to Amica. Homeowners dealing with any of these would need to look beyond a standard homeowners policy.
Optional Home Insurance Coverages from Amica
Six endorsements round out an Amica policy beyond its standard coverages. Half of them, flood insurance, water backup and identity theft, restore protection for losses a standard policy excludes entirely. The other half raise coverage limits or change how a payout is calculated, useful for homeowners with higher-value belongings or newer electronics.
Flood Insurance | Covers flood damage to your home and belongings, closing a gap every standard Amica policy excludes. |
Covers damage from a backed-up drain or a failed sump pump, one of the more common water damage claims a standard policy leaves out. | |
Identity Theft | Covers recovery costs like credit monitoring and legal fees after identity theft, something a standard policy doesn't touch at all. |
Raises coverage limits for high-value items like jewelry, art or collectibles beyond what a standard policy pays out. | |
Pays current market value for damaged or stolen belongings instead of their depreciated value, closing the gap between a standard payout and the actual cost to replace something. | |
Electronics Coverage | Covers accidental damage to devices like laptops, smartphones and tablets, a type of loss a standard policy often doesn't pay for. |
How to File a Homeowners Insurance Claim with Amica
You can file a homeowners insurance claim with Amica online, by phone or through its mobile app.
- 1Report the Claim
File online, through Amica's mobile app, or by calling 800-242-6422. Claims can also be reported through chat with a live representative, Monday through Friday from 8 a.m. to midnight ET and Saturday from 10 a.m. to 5:30 p.m. ET.
- 2Protect the Property From Further Damage
If it's safe to do so, take steps to prevent additional damage while waiting for an adjuster. Amica's Home Repair Assistance Program can help arrange emergency services after a covered loss, useful for something like a tarp on a damaged roof before it rains again.
- 3Schedule an Inspection
Amica assigns an adjuster to assess the damage and write an estimate for the visible, covered losses, either in person or virtually depending on the claim. If more damage turns up during repairs, that goes back to the assigned claim handler rather than requiring a new claim.
- 4Investigation
Amica investigates what caused the loss and explains how the policy's coverage applies to it. This step is what actually determines what gets paid, not just the inspection estimate.
- 5Claim Payment
Once the damage estimate is finalized, Amica issues payment minus the applicable deductible, with supplemental payments possible if more damage is found later. Payment can go out through Venmo, PayPal, direct deposit or a paper check, and homeowners get an email from OneInc@amica.com to choose which method works best.
- 6Subrogation, If Applicable
If another party caused the loss, Amica may seek reimbursement from that party's insurance company after repairs are complete. This doesn't affect what the homeowner gets paid up front, it happens on Amica's side afterward.
Compare Amica to Other Home Insurance Companies
Amica beats State Farm and Farmers for customer experience with a 4.91 out of 5 score (highest among all three). Amica charges $1,425 annually. That's between State Farm's $2,151 and Farmers' $2,785.
Amica's overall score of 4.72 leads the group. Its coverage score of 3.63 trails State Farm's 4.04. Strong service quality and competitive pricing outweigh fewer policy customization options.
| Average Monthly Premium | $119 | $179 | $232 |
| Average Annual Premium | $1,425 | $2,151 | $2,785 |
| Overall MG Score | 4.72 | 4.50 | 4.31 |
| Affordability Score | 4.91 | 4.73 | 4.56 |
| Customer Experience Score | 4.91 | 4.31 | 4.26 |
| Coverage Score | 3.63 | 4.04 | 3.47 |
Amica Homeowners Insurance Review: Bottom Line
Amica earns a 4.72 out of 5 in MoneyGeek's review, ranking 3rd among the 14 insurers we evaluated. Affordability and customer satisfaction, both ranked 2nd nationally, explain most of that score, while coverage options rank lower at 9th. Homeowners can expect to pay around $119 monthly, or $1,424 per year, for $250,000 in dwelling coverage. That combination of price and service makes Amica a solid option to compare quotes against, even if coverage options aren't the most extensive available.
Amica Home Insurance: FAQ
We answer common questions about Amica home insurance:
Amica's list of 10 homeowners insurance discounts doesn't include a dedicated military discount. Homeowners can still lower their rate through options like the multiline discount, which saves up to 30% when bundling with auto, umbrella or life insurance.
A policy with $250,000 in dwelling coverage averages $119 monthly, or $1,424 per year, based on MoneyGeek's rate data. Amica ranks 2nd nationally for affordability among the insurers MoneyGeek reviewed.
Amica scores 4.72 out of 5 in MoneyGeek's review, ranking 3rd overall among the 14 insurers evaluated, driven mainly by strong affordability and customer satisfaction scores. Its coverage options score lower, ranking 9th nationally, so it's worth comparing endorsements elsewhere if a wide range of add-ons matters most.
Amica offers 10 homeowners insurance discounts, including up to 30% off for bundling home and auto policies. Other options include savings for staying claim-free, paying the premium in full, enrolling in autopay, or installing home security equipment.
Amica offers six optional endorsements, including flood insurance, water backup coverage and identity theft protection. These close specific gaps in a standard policy, like flood damage or a backed-up drain, that aren't covered by default.
Home Insurance Review for Amica: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Amica. "Home Insurance Coverages." Accessed December 29, 2025.
- Amica. "Home Insurance Discounts." Accessed December 29, 2025.