Overview of Amica Home Insurance

Though it's not a name you may hear as frequently as its competitors', Amica is the oldest mutual insurer of automobiles in the U.S. — hence its name, derived from Automobile Mutual Insurance Company of America. Founded in 1907, it's also among the top 20 of largest home insurers, with a market share of nearly one percent. And it's a powerhouse when it comes to customer satisfaction, earning the highest ranking from JD Power for a staggering 18 consecutive years for its property insurance claims experience.

How Does Amica Home Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2019 U.S. Household Insurance Study - Homeowners Insurance.. The highest score for each category is five stars. The Amica Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Policy Offerings
Billing & Payment
Contacting the Insurer
Customer Complaint Ratio

The National Association of Insurance Commissioners collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a less than average number of complaints, while a score higher than 1 means it has more than average. Find out more from the NAIC website. The Amica Insurance subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A.M. Best's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second "+" or a "-" indicates the gradation of financial strength within the category. We can't guarantee that the subsidiary of Amica Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best's Financial Strength Rating Guide for more information.

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.

Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A+

Effective Date: January 2020

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online
  • Household inventory tool

Pros and Cons of Amica Home Insurance


  • To reiterate - Amica was the award recipient in the 2019 J.D. Power Homeowners Insurance customer satisfaction study, rating five out of five in nearly every category. It has ranked highest in the homeowners insurance segment for 18 consecutive years.
  • The online quote tool is more streamlined than those offered by other home insurance company websites and offers a detailed level of customization as you build your home quote, including options for very high liability limits.
  • Amica also offers auto and life insurance, as well as specialty lines such as small business, motorcycle, and watercraft, allowing customers to keep several insurance policies within one company.
  • In most areas of the country, Amica offers its customers assistance in finding qualified contractors to perform repairs.
  • You may choose from several payment plans: monthly, quarterly, and annual.


  • The online quote tool may ask you to choose your own replacement value rather than calculating it for you (and some users may find it difficult to calculate).
  • You may be required to enter the architectural style of your home, which some users may not know. In addition, certain types of structures—such as mobile homes—are not eligible, nor are farms or ranches.
  • Amica's longstanding financial strength rating of A++ (superior) by A.M. Best was downgraded in 2017 to A+, with its outlook downgraded from stable to negative. The cause was attributed to increased catastrophic losses, the results of which were higher premiums for customers.

Amica Home Insurance Coverage

Amica's home insurance coverage is what you would expect from a solid, full-service insurance company. They offer a variety of standard and optional coverage possibilities, and they allow you to customize the limits according to your preferences.

Amica's standard coverages are explained well on the website. The online quote tool provides a choice of packages based on the information you provide, or lets you choose your own coverage levels.

Dwelling coverage

Rather than using insurance industry software to come up with a dwelling or replacement cost coverage, Amica uses the amount that you enter in the online quote tool.

Other structures

This coverage is set at 10 percent of the dwelling coverage amount, to protect sheds, fences and other detached structures.

Personal property coverage

Protection for your personal belongings is typically set at 75 percent of the dwelling coverage limit. Amica does note that you will need to determine if this amount is sufficient and that you can purchase a higher limit if you wish.

Loss of use

The monetary limit set for the loss of use coverage is 30 percent of the dwelling coverage.


Amica does not offer a separate deductible for wind or hail losses, but it does let you choose from a wide range of deductible amounts, from $500 up to $25,000.


Compared to industry averages, Amica offers extremely high liability coverage. Other companies may let customers set a limit of $1 million, but Amica extends that to $2 million.

Medical payments

This coverage is offered from $1,000 to $5,000 in thousand-dollar increments.

The company's home policies offer the standard extra options that usually come with property insurance, and let you choose from among a wide range of coverage limits.

Special computer coverage

The standard coverage for computer equipment is usually not enough protection if you have more than a basic selection of hardware. This coverage allows you to choose extra coverage ranging from $500 to $4,500, with several deductible options.

Water backup and sump overflow

This extra option is usually available to avoid any issues posed by backed-up sewers and drains. Coverage limits have stretched up to $50,000, with corresponding deductibles.

Automatic dwelling coverage increase

This option adds a 30 percent buffer to protect against the chance that your replacement cost exceeds your dwelling coverage limit.

Identity fraud expense coverage

With this extra coverage on your policy, you'll have $15,000 to apply to recovering from an identity theft incident, plus access to an expert who can help you navigate the process of restoring your name.

Personal property replacement coverage

This coverage option reimburses you for the replacement cost, not the depreciated value of your personal property.

Scheduled personal property coverage

Higher-value items such as jewelry and fine art may fall into this category, which extends protection beyond fire or theft.


In order to add earthquake coverage to your policy, you need to discuss the option with an agent.


Not all home insurance companies offer flood insurance, but Amica makes this coverage available through participation with the National Flood Insurance Program. Flood insurance policies are written separately from the main policy.

Available Discounts on Amica Home Insurance Coverage

Investments in your home—and some smart shopping—can bring the cost of insurance down significantly. Amica's high scores in customer satisfaction could be tied to the selection of discounts that it makes available.

Type of Discount Description
Multi-line discount If you bundle home and auto insurance with Amica, you may qualify for a discount of up to 15 percent, and in some cases, this can also apply to an umbrella policy.
Alarm system Installing burglar alarms, sprinkler systems, and fire alarms in your home can help reduce your premium.
New/remodeled home credit New homes or homes that have significant renovations can get home insurance discounts.
Automatic detection devices Smart technology that monitors events such as gas or water leaks can make your home eligible for discounts.
Loyalty discount Savings are available for longtime customers (2+ years).
Claim-free discount You can save money on your insurance premiums if you have a record of not filing claims in the past three years.
E-discount Enrolling in Amica's e-policy and e-bill programs may earn you a discount.
Automatic payment plan Paying your bill through automatic payments can also lower your costs.

How to Make a Home Insurance Claim with Amica

Amica lets customers file a claim by phone, online, or through the mobile app. To file online, you'll need to log in to your account, but the website does feature a virtual adviser to help you through the steps of the claims process. When you file a claim, a claims representative will go over your policy with you, discussing your coverages and deductibles. Claims resolution may include Amica issuing a debit card with which you can pay for repairs, and you'll be able to track the claim progress online or by calling the claims center.

How to Contact Amica Home Insurance

States Served