Updated: October 15, 2025
Advertising & Editorial Disclosure
Amica earned a 4.91 customer experience score, ranking 2nd nationally.
It ranks 2nd in affordability with an average annual cost of $1,428 for $250,000 in dwelling coverage.
Amica ranks third overall for coverage options, including guaranteed replacement cost and home business property coverage.
Amica ranks 3rd nationally out of 14 providers in MoneyGeek’s analysis of the best homeowners insurance companies. Its overall score reflects a strong balance of affordability, customer service and coverage options.
The table below highlights Amica’s MoneyGeek score for each category based on a sample homeowner profile, though actual scores may vary by location and coverage needs.
| Overall | 4.73 | 3 |
| Affordability | 4.93 | 2 |
| Customer Experience | 4.91 | 2 |
| Coverage | 3.63 | 9 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Amica’s average homeowners insurance cost is $1,428 per year for $250,000 in dwelling coverage. Costs rise with higher limits, reaching around $4,444 annually for $1 million in coverage.
Since premiums depend on factors like home value, location and deductible, use the table below to view average homeowners insurance costs by coverage level and toggle to find potential savings when comparing for cheap homeowners insurance.
| $100K Dwelling / $50K Personal Property / $100K Liability | $70 | $834 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $119 | $1,428 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $205 | $2,457 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $286 | $3,435 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $370 | $4,444 |
Amica’s home insurance rates change significantly by state, since local risks like weather, construction costs and crime impact pricing. A policyholder in New Hampshire pays an average of $742 per year, compared to $1,984 in Massachusetts, which is [more affordable/more expensive] overall. See the table below to explore the map showing where Amica’s homeowners insurance is available for $250,000 in dwelling coverage with a $1,000 deductible.
Amica offers 10 homeowners insurance discounts, though availability may vary by state. For example, policyholders can save up to 30% by bundling home and auto insurance, and the table below explains each available discount and how to qualify.
Loyalty | Save when you’ve been insured with the same company for at least two years. |
Multiline | Get up to 30% off when you bundle home, auto, umbrella or life insurance policies. |
Claim-free | Earn savings if you’ve had no claims in the past three years. |
AutoPay | Receive a discount for paying premiums automatically through scheduled deductions. |
E-Discount | Get a discount when you opt to receive policy documents and billing statements electronically. |
Paid in Full | Save by paying your entire annual premium upfront instead of in installments. |
Alarm System | Qualify for savings if your home has security, fire or sprinkler systems installed. |
New/Remodeled Home Credit | Receive a discount when your home is newly built or recently remodeled. |
Automatic Detection Devices | Earn savings for installing temperature, water leak or gas detection systems. |
Safety Devices | Get credit for homes equipped with approved protective devices that reduce potential loss. |
Every Amica home insurance policy comes with the six standard coverages that form the foundation of most homeowners policies. The section below outlines what home insurance covers under Amica, detailing how each coverage safeguards your home and property.
Dwelling coverage protects your home’s main structure, including its foundation, walls and roof. It helps pay for repair or rebuilding costs if your home is damaged by covered perils such as fire, wind or vandalism.
Other structures coverage insures detached structures on your property, like garages, fences and sheds. It covers repair or replacement costs if these buildings are damaged by a covered event.
Personal property coverage protects your personal belongings, including clothing, furniture and electronics, against theft or damage. It reimburses you for losses whether the items are inside your home or temporarily elsewhere.
Personal liability coverage offers financial protection if you’re legally responsible for someone’s injury or property damage. It helps pay for legal defense, medical costs and settlements resulting from covered incidents.
Medical 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 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.
Homeowners can choose from six additional Amica coverages to tailor their policy for extra protection. These endorsements extend coverage to risks not included in a basic policy, offering flexibility for different property types and needs. Because availability may differ by state, speak with your Amica agent to confirm which coverages apply in your area and review the table below for details.
Water Backup Coverage | Covers damage from backed-up drains or sump pump failures, paying for repairs to your home and personal property. |
Flood Insurance | Protects your home and belongings from flood-related damage, which is not covered under a standard homeowners policy. |
Scheduled Personal Property | Provides higher coverage limits for valuable items such as jewelry, art or collectibles by listing them individually. |
Replacement Coverage | Pays the current market value to replace belongings damaged or stolen in a covered loss, rather than their depreciated value. |
Electronics Coverage | Extends protection for electronic devices like laptops, smartphones and tablets, including accidental damage not covered elsewhere. |
Identity Theft | Helps cover costs related to identity theft recovery, such as legal fees, lost wages and expenses to restore your personal information. |
Standard homeowners insurance from Amica doesn’t cover every type of loss, especially events considered high-risk or preventable. These exclusions typically involve natural disasters like floods and earthquakes, as well as intentional or maintenance-related damage.
Floods and earthquakes are typically not covered by a standard Amica home insurance policy. However, Amica does offer flood insurance as an optional add-on.
Losses caused intentionally or due to neglect, such as failing to maintain your home or causing damage on purpose, aren’t covered. Insurers only cover sudden and accidental incidents.
Property losses resulting from war, nuclear hazards or government seizure are excluded. These situations fall outside the scope of standard homeowners insurance protection.
You can buy home insurance from Amica directly through its website or by speaking with an agent who can help personalize your coverage. The process is simple and ensures you get the right protection for your home, belongings and budget.
Start by evaluating your home’s replacement cost, the value of your personal belongings and your liability protection needs. Knowing how much coverage you need helps you avoid being underinsured or paying for unnecessary add-ons.
Visit Amica’s website to request an online quote or contact an agent for a more personalized experience. You’ll provide details about your home, location and desired coverage to receive an accurate estimate.
Review different policy options and endorsements to find the right combination of protection and cost. This step helps ensure you understand what’s included in your standard coverage and any available add-ons.
Ask about available discounts to reduce your premium, such as bundling home and auto insurance or enrolling in AutoPay. Applying these savings can make your policy more cost-effective without reducing coverage.
Once you’ve selected your preferred coverage and discounts, carefully review your policy details for accuracy. Confirm the effective date, coverage limits and deductible before finalizing your purchase.
You can file a homeowners insurance claim with Amica online, by phone or through its mobile app. Reporting damage promptly helps the company process your claim and get your home restored faster.
Notify Amica as soon as possible after a covered loss. Submitting your claim early helps prevent delays and ensures faster assistance from your claims representative.
Record the damage by taking clear photos, videos and notes about affected items or areas. This evidence will be used to verify your losses and calculate your reimbursement.
Amica will assign an adjuster to inspect the damage and estimate repair costs. The inspection helps determine how much your policy will pay toward repairs or replacements.
After receiving your settlement offer, confirm that it aligns with your policy coverage before proceeding with repairs. You can then work with your preferred contractor or Amica’s recommended service providers to complete the restoration.
Earning a MoneyGeek score of 4.73 out of 5 and ranking 3rd overall, Amica stands out for its mix of dependable service, fair pricing and flexible coverage options. The company’s average policy costs $1,428 annually for $250,000 in dwelling coverage, making it a solid choice for homeowners seeking balanced protection.
With available add-ons like replacement coverage and electronics protection, plus discounts for bundling, autopay and claim-free records, Amica offers both customization and value in one policy.
Below are answers to frequently asked questions about Amica home insurance:
Amica earned a strong MoneyGeek score of 4.73 out of 5, ranking 3rd nationwide among 14 providers. The score reflects its solid balance of affordability, customer service and coverage options.
A standard Amica policy with $250,000 in dwelling coverage costs about $1,428 per year. Rates vary depending on your location, coverage limits and deductible amount.
Every Amica policy includes the six standard coverages (dwelling, other structures, personal property, liability, medical payments and loss of use) that protect your home and belongings. Homeowners can also add endorsements like water backup, replacement coverage and identity theft protection for extra security.
Yes. Amica offers 10 discounts, including up to 30% off for bundling home and auto policies, as well as savings for being claim-free, paying in full or enrolling in autopay and e-billing.
You can buy Amica homeowners insurance directly through its website or by speaking with an agent. Both options allow you to customize your coverage, explore discounts and finalize your policy online or over the phone.
Claims can be filed online, through Amica’s mobile app or by phone. The process includes reporting the incident, documenting damage, scheduling an inspection and reviewing your settlement before repairs begin.
We used the following base profile to evaluate Amica’s homeowners insurance rates and measure its affordability compared to other providers:
Our Amica ratings system was based on the following scoring criteria:
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.
