Amica Homeowners Insurance Review 2022

There are plenty of ways to customize your Amica home insurance policy, but the company offers relatively few discounts.
Apr 25, 2022

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Amica boasts high customer satisfaction and a variety of coverage options that land it among our list of the top home insurance providers. Amica also offers discounts for things like paperless billing and automatic payments, which can be relatively easy to obtain.

Best for: Those who want to customize their coverage with additional features.

How we rate homeowners insurance companies

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

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Amica home insurance pros and cons

Pros

Cons

High level of customer satisfaction.

Fewer discounts available for home insurance relative to other companies.

Large number of add-on coverage options.

Simple and efficient online claims filing and tracking.

How Amica home insurance rates

4.5

NerdWallet rating 

Amica home insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Amica is among NerdWallet’s Best Home Insurance Companies for 2022.

State availability

Amica homeowners insurance is available in Washington, D.C., and all states except Alaska and Hawaii.

Amica home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

Amica also has several types of coverage you can add onto a standard policy, including:

  • Dwelling replacement that pays up to 30% above your coverage limit to rebuild or repair your home.

  • Personal property replacement to cover the cost of replacing or repairing personal items.

  • Scheduled personal property for high-value items like jewelry.

  • Catastrophic events in case of earthquakes or flooding.

  • Identity fraud expense for unauthorized credit card charges and costs associated with restoring a stolen identity.

  • Home business coverage for equipment and liability concerns that arise when running a business from your house.

Amica offers an upgraded homeowners policy called Platinum Choice, which takes the standard homeowners policy and adds on several other types of coverage. This policy will cover water damage resulting from a sewer or drain backup, damage to smart devices such as phones and laptops, and more. It also includes or extends coverage limits for some of the standard policy's add-on features.

Amica also offers dividend policies. These offer the same coverage as traditional policies but require a higher premium. In return, dividend policies can refund money to you at the end of your policy period if the company has performed well. The amount is typically from 5% to 20% of the policy's annual premium.

Discounts

Amica offers standard discounts for things like bundling home and auto insurance (or other Amica products), staying claim-free and maintaining safety devices in your home. Some discounts are fairly easy to obtain, such as the ones offered for receiving bills electronically or signing up for automatic bill payment.

Consumer complaints

Amica had far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: You can start a home insurance quote on Amica's website. It also offers customers the ability to file and track a claim online. The site includes a unique feature called Contractor Connection, which matches customers with home improvement specialists vetted by Amica.

App: The Amica app is available on iOS and Android. You can use the app to view bills and policies, make payments and file and track a claim.

Homeowners insurance buying guide

You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:

  1. Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.

  2. Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.

  3. Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.

  4. Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.

How to file a homeowners insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

For more information, see how to file a homeowners insurance claim.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions
What other types of insurance does Amica offer?

Amica offers several insurance products, including auto, life, umbrella and marine. Learn more in our Amica auto insurance review.

Where can I get an Amica home insurance quote?

Quotes are available through Amica's website or by phone.

How do I file a home insurance claim with Amica?

Amica offers several ways to file a claim: over the phone, through its website or using its app.

Can I bundle Amica insurance policies?

Yes, Amica offers as much as a 30% discount for bundling home, auto, condo, renters, life or umbrella policies.

Methodology

Homeowners insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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