Amica Home Insurance Review (2026)

With $250,000 in dwelling coverage, Amica's home insurance averages $119 monthly nationally, 56% below the national average. That pricing carries its 4.72 out of 5 MoneyGeek score, which balances a 4.91 out of 5 affordability score against a 4.91 out of 5 customer experience score built on claims satisfaction, low complaint rates and financial strength. 

Nine discounts offer additional ways to reduce the premium. Bundling home with auto, umbrella, or life coverage can cut the combined total by up to 30%, the largest single discount Amica offers. Separate loyalty and claim-free discounts stack for long-term customers who stay claim-free. Safety device upgrades, including water leak detectors, gas detectors and temperature monitors, qualify for their own discount category beyond the standard alarm system credit.

Amica writes home insurance in all 50 states and Washington, D.C., with no states where it currently doesn't operate. Homeowners in any state can start a quote on Amica's site or by phone.

Coverage options, available endorsements and discount eligibility vary by state, so the features and savings available to a given policyholder depend on where their home is located. Rates also vary by state, and the pricing advantage relative to the state average differs considerably across Amica’s footprint.

For $250,000 in dwelling coverage and a $1,000 deductible, Amica's home insurance costs $119 monthly ($1,425 annually), 56% below the national average. Home age, location, credit history and claims record all affect average costs.

Home age affects cost more than many homeowners expect. At $750,000 in dwelling coverage, two profiles identical in owner age, credit and claims history cost $270 monthly for a newly constructed home versus $391 for a middle-aged home — about 45% more for the older vintage alone. To confirm what the primary profile costs at a specific address, a direct quote from Amica reflects local filed rates.

Amica prices below the state average in three of the four states in MoneyGeek’s data. Connecticut shows the biggest discount, with $250,000 in dwelling coverage at $90 monthly, 52% below the state average. Massachusetts is the exception. Amica comes in at $165 monthly there, 2% above the state average, so the pricing advantage you’d see elsewhere in New England doesn’t apply.

Amica offers nine discounts, and some stack with each other.

• Loyalty: You need to have been insured for at least two years to qualify, and the discount grows the longer you stay. It stacks with the claim-free discount, so long-term customers who avoid claims get both.
• Bundling: Add auto, umbrella, or life insurance to your home policy and you can save up to 30% on your combined premium. It’s the largest single discount Amica offers.
• Claim-free: No claims in the past three years earns you this discount. If you’ve been absorbing smaller losses out of pocket to keep your record clean, this is the payoff.
• Autopay: Sign up for automatic payments and you get a small discount. No other changes to your policy needed.
• Paperless: Switch to electronic bills and policy documents and you qualify. The savings are modest, but it takes about a minute to set up.
• Paid in full: Pay your full annual premium upfront instead of monthly installments and you pay less overall. Installment plans have a built-in cost, and paying in full skips that.
• Alarm system: Homes with burglar alarms, fire alarms or sprinkler systems qualify. These are the systems that reduce the chance Amica will have to pay out a theft or fire claim.
• Automatic detection devices: This one goes further than alarms. Water leak detectors, gas detectors and temperature monitors all qualify for their own separate discount.
• New/remodeled home credit: If you’re insuring a new home or one you’ve recently renovated, you can get a credit when your policy starts. Newer or updated homes cost more to replace, and this credit helps account for that.

Every Amica home insurance policy includes six core coverages by default.

• Dwelling coverage: Pays to repair or rebuild your home's structure after a covered loss, inside and out. Your mortgage lender will require this coverage if you have a loan. Base the coverage amount on what it would cost to rebuild your home, not on the price you paid for it.
• Other structures coverage: Covers detached structures on your property, such as a fence, detached garage or shed. If a storm takes out your fence, this coverage pays for the repair.
• Personal property coverage: Covers your belongings, such as furniture and clothing, if they’re stolen or damaged by a covered event. Without the replacement cost endorsement, the payout reflects what your items were worth before the loss, not what it costs to replace them today.
• Loss of use coverage: Pays for extra living costs if a covered loss makes your home unlivable, such as hotel stays or meals that cost more than your usual routine. It doesn't pay to repair your home. Instead, it keeps your household running as repairs happen.
• Personal liability coverage: Protects you financially if someone gets hurt on your property or you're held responsible for damaging someone else's property. Many policies extend this protection to incidents away from home too.
• Medical payments coverage: Pays for minor injury costs to guests on your property, regardless of fault. The coverage settles small injury claims quickly, before they escalate into legal disputes.

Amica offers five optional add-ons that cover risks your standard policy doesn't. Each one closes a gap homeowners often don't notice until a claim gets denied.

• Water backup: Covers damage from backed-up drains or a failed sump pump. Standard policies exclude this damage, and so does flood insurance. Without this add-on, you cover the cleanup cost yourself.
• Scheduled personal property: Covers high-value items such as jewelry, art or antiques at a dollar amount you agree on upfront. Standard personal property coverage applies depreciation and caps payouts, which can leave a large shortfall on valuable pieces.
• Electronics coverage: Covers your devices for damage a standard policy won't, including drops and spills. Standard coverage only applies to electronics for named perils like fire or theft.
• Replacement cost: Pays what it costs to replace a damaged or stolen item today, not what it was worth before the loss. That difference adds up fast after a large claim.
• Identity theft: Covers the costs of recovering from identity theft, both financial and practical. Standard home insurance doesn't cover this at all.

A standard Amica policy excludes several types of losses.

• Flood damage from outside the home, including storm surge and overflowing water
• Earthquake damage
• Normal wear and tear or gradual deterioration
• Damage from pests, insects, rodents or animals
• Mold or rot not caused by a covered loss
• Business activity or business property kept at home
• Nuclear hazard

Exclusions vary by state. Read your policy documents to see what applies where you live. Amica doesn’t offer flood insurance as an add-on, so homeowners in flood-prone areas need separate coverage through the National Flood Insurance Program. The water backup endorsement covers losses from sump pump failures and backed-up drains. It doesn’t apply to flooding that comes from outside the home.

Start a quote at amica.com to buy home insurance. Enter your property details and review your coverage options there, or call Amica directly to talk through the process with someone.

Any endorsements you want, like water backup or replacement cost coverage, can be added during the same session. Discounts that apply to you, including a bundling discount of up to 30% for combining home with auto, umbrella or life coverage, are factored in before you finalize. You see your actual rate before you commit.

You can file a home insurance claim online at amica.com, by calling 800-242-6422 or through the Amica mobile app. The app lets you file a claim the moment something happens. You can also track the claim from the same place without calling in.

After you file, Amica assigns an adjuster to assess the damage and guide you through next steps. The app provides status updates throughout the claims process.

To find Amica’s rates and judge how affordable they are, we used this base profile:

• Middle-aged homeowner (41 to 60)
• 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

We scored Amica in three areas:

• Affordability (55%): We compared Amica’s costs with the national average and with other insurers, using the base profile.
• Customer experience (35%): We looked at forum ratings from Amica customers, J.D. Power studies and AM Best Financial Strength scores.
• Coverage (10%): We looked at Amica’s add-on coverage options compared with the average, and at how unique those options are.

To learn more, read MoneyGeek’s home insurance methodology.