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Excellent customer satisfaction rating
Available in 50 states


The online quote tool may require information not readily knowable (ex. The type of home architecture)


Amica receives a 90 out of 100 rating from MoneyGeek. It's a low-cost homeowners insurance company that gets high marks for financial stability, customer happiness and affordability.

Amica provides a variety of coverages and uncommon discounts, such as Extended Reimbursement coverage and the Paperless Discount, that can help to supplement plans and make them more accessible.

Does Amica Mutual Have Good Customer Service?

Amica Mutual received a MoneyGeek score of 90 out of 100, which is relatively higher than many other providers. To determine this rating, MoneyGeek combined the company's customer happiness, financial stability and affordability. Amica Mutual also has a fairly positive rating from J.D. Power at 4.47 out of 5.

Customer Satisfaction Rating

Customer satisfaction ratings can distinguish between a pleasant and negative claims experience among customers. Based on J.D. Power research, in which Amica Mutual scored 854 points out of 1,000, MoneyGeek scored Amica Mutual a 4.47 out of 5 for customer satisfaction which is an excellent rating.

Customer Complaint Index

Amica Mutual

The Customer Complaint Index of the National Association of Insurance Commissioners (NAIC) is another useful tool for determining a company's customer satisfaction. Amica Mutual has a complaint index of 0.32, which means it has had far fewer complaints than the typical insurance company.

Financial Stability Rating

Financial stability ratings reflect if a firm can pay for your claim, which is important to consider when selecting an insurance provider. AM Best, a company that assesses insurance companies, gave Amica an A+ for financial soundness. This indicates that this insurer has a superior capability of fulfilling its insurance responsibilities.

What to Expect From Amica Mutual Homeowners Insurance

The most difficult part of getting homeowners insurance is figuring out what you need to do in the first place. Each insurer follows different procedures for providing insurance. MoneyGeek provides a guide that explains what customers might expect when dealing with Amica Mutual homeowners insurance.


Getting a quote

We collected Amica Mutual homeowners insurance quotes, which you can see below. That said, Amica Mutual provides online rates for its homeowners insurance products. You can also contact them by phone if you have special requests.


Customer support

Amica Mutual provides customer service by live online chat, phone 800-242-6422.


Filing a claim

Amica Mutual's Claims Messenger, online portal, smartphone application and claims services hotline (800-242-6422) all let you make a claim (available 24 hours a day, seven days a week).


Canceling your policy

To cancel your Amica Mutual homeowners insurance plan, call Amica Mutual's customer care hotline at 800-242-6422 and have your account information available.

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There are several ways to file a claim with Amica Mutual. You can use their Claims Messenger, online portal, smartphone app and claims services hotline (800-242-6422), accessible 24 hours a day, seven days a week, if you want to submit a claim.

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Amica Mutual’s homeowners insurance is available in all 50 states. It's worth noting, though, that not all coverage options are offered in every state.

How Much Does Amica Mutual Homeowners Insurance Cost?

You can talk to an agent or obtain a quote online to find out how much homeowners insurance is through Amica Mutual. The average cost of homeowners insurance is $1,979 per year. However, this might vary based on your home's location, age, building type and other factors.

Dwelling Coverage
Annual Premium





The cost of homeowners insurance in Amica Mutual is determined by a number of criteria, including the location of your home, the replacement cost coverage, personal coverage and deductible levels. While $250K in dwelling coverage is an excellent starting point, it's still essential to examine the worth of your property to determine how much coverage you truly need.

Use MoneyGeek's home insurance calculator to get an estimate of how much you'll pay based on the policy limits you select.

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Rebuilding a home can be very expensive. Choosing a lower coverage limit and deductible can save you money in the short term, but you could end up not having the money you need to cover your expenses if you ever need to rebuild your home.

What Discounts Does Amica Mutual Offer?

Policyholders can enjoy a total of eight discounts from Amica Mutual homeowners insurance which is somewhat higher than the industry average of seven. Some of these discounts are also unusual among homeowners insurers.



If you've been with Amica Mutual for at least two years, you'll be eligible for this discount. The more time you spend with the insurance company, the more money you will save.


When you bundle your house insurance with your car, condo, renters, life or umbrella policies, you can save money.

Claims Free

If you haven't filed any claims in the last three years, you'll get a discount.


When you get your policy information and invoices electronically, you get a discount.

Automatic Payment

If you want to pay your premiums via automatic payments, you can receive a discount.

Protective Device

If you have burglar alarms, sprinkler systems, fire alarms or automated detective devices for temperature monitoring, water leaks or gas leaks, you can receive a discount.

New Home

When you insure a new house, you'll get a discount.

Home Renovation

When you insure a renovated house, you'll get a discount.

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You may save money by bundling Amica Mutual home insurance with your vehicle insurance or other products. It also allows you to bundle your policies later if you already have a car or life insurance policy with another company but decide to switch to Amica Mutual at the end of the policy term.

Which Coverage Types Does Amica Mutual Offer?

The usual housing, personal property and liability coverages are included in Amica Mutual homeowners insurance. In addition, the company provides six extra coverages, which is slightly more than the industry average of five.

Protection from earthquake damage is one of their more distinctive coverages. Not many insurers offer this type of coverage. Depending on where you live, this coverage might be essential.

Review the list of endorsements available to Amica Mutual homes insurance policyholders below.


Extended reimbursement

This coverage offers an extra 30% over your policy limit when the cost of rebuilding or repairing your home exceeds the coverage maximum on your policy.


Contents Replacement Cost

You'll get full repair or replacement of your personal property up to the extent of coverage you choose with this international coverage. In other words, depreciation is not taken into account.


Scheduled Personal Property

If you own valuable objects such as jewelry, fine art or furs, this coverage may provide further protection beyond fire and theft. You might also purchase insurance for your home-based business.



This provides coverage (minus deductible) in the case of earthquake-related property damage or loss.


Cyber Event / ID Theft

This coverage lets you receive one-on-one assistance in reclaiming your identity, as well as reimbursement for illegal credit card usage up to the policy maximum.


Back-Up of Sewer or Drain

With this coverage, you'll be protected for up to $5,000 in water damage caused by a sewage or drain backlog or a sump overflow.

It's important that you have all of the usual coverages while looking for home insurance. That's why, depending on your needs, it's critical to understand how much coverage a homeowner like you requires.

Furthermore, homeowners insurance typically excludes flood, earthquake and pest coverage. As a result, if you absolutely need flood, earthquake or pest coverage, read the fine print before buying a policy. Fortunately, Amica Mutual has earthquake insurance.

What Online Homeowners Insurance Tools Does Amica Mutual Offer?

Policyholders of Amica Mutual home insurance may manage their accounts, file claims and pay payments through the company's website and mobile app. These free tools and other features are listed below.

Other Amica Mutual Insurance Products

Amica Mutual does offer other insurance products that can help customers with other insurance needs. Many of these can be bundled to save money.

Type of Product


This insurer offers personalized auto insurance and discounts to keep you safe on the road.


Amica Mutual offers unique, customizable coverage options to condo owners.


Floods can happen anywhere, and Amica Mutual can keep your property safe if it happens to you.


Amica Mutual offers both term and whole life insurance.


The insurer’s umbrella coverage will give you added protection against unexpected events beyond what is included in your homeowners policy.


Amica Mutual offers protection to people who own and ride motorcycles. You can save even more if you bundle this with your home insurance.

Recreational Vehicle

From boats to RVs to trailers, Amica Mutual will cover your recreational vehicles.


With Amica Mutual’s pet insurance, you can get reimbursed up to 90% for your pet’s health needs.

Small Business

This insurer offers insurance to small businesses to give them extra peace of mind.


Amica Mutual even offers retirement and event insurance.


To evaluate Amica Mutual as a homeowners insurance company, MoneyGeek analyzed the Amica Mutual website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.