Amica Homeowners Insurance Review 2023

Amica offers good customer service and coverage in most U.S. states.
Sarah Schlichter
By Sarah Schlichter 
Edited by Erica Corbin

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NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average


Average set of discounts

NAIC complaints

Far fewer than expected



NerdWallet rating 
Well-established insurer known for great customer service.

Coverage options

About average


Average set of discounts

NAIC complaints

Far fewer than expected

Amica boasts high customer satisfaction and a variety of coverage options that make it one of NerdWallet’s top home insurance providers. Amica also offers discounts for things like paperless billing and automatic payments, which can be relatively easy to obtain.

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.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Amica home insurance star rating


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 2023.

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 sheds or fences.

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.

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

Amica also has several types of coverage you can add on to 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 personal items with brand-new versions.

  • Water backup/sump overflow to pay for damage from backed-up drains or failing sump pumps.

  • Special computer coverage that pays for a broader variety of damage to computers and smart devices.

  • Identity fraud expense for credit monitoring 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 adds several other types of coverage to the standard policy. Platinum Choice comes with higher liability and medical payment limits and more coverage for valuable items such as jewelry and computers. It also includes some of the add-ons listed above, such as dwelling replacement, personal property replacement and water backup coverage.

In some states, 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 5% to 20% of the policy's annual premium.


Depending on where you live, you may be able to get a discount for:

  • Staying with an insurer for at least two years.

  • Bundling your homeowners policy with another type of insurance such as auto.

  • Not filing a claim for at least three years.

  • Enrolling in autopay.

  • Receiving policy documents electronically.

  • Insuring a new or recently remodeled home.

  • Installing certain safety and security devices such as burglar alarms or sprinkler systems.

  • Having smart-home devices to monitor things like water leaks, smoke, temperature and home security.

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, though you’ll need to finish the purchasing process by phone. Amica 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: You can use the Amica app to view bills and policies, make payments, file and track a claim, and contact a representative.

Claims: Amica offers several ways to file a claim: over the phone, through its website or using its app. Amica recommends taking pictures of any damage before you start making repairs. For more advice, see how to file a home insurance claim.

Customer service: Amica offers customer support via live chat, phone (800-242-6422) and email. You can even search for a local office to visit in person.

Where Amica stands out

Customer satisfaction. Amica ranked No. 1 for customer satisfaction in J.D. Power’s 2022 home insurance study. It also draws very few consumer complaints for a company of its size.

Where Amica falls short

No availability in Alaska or Hawaii. Homeowners in these states will need to seek other options.

Amica vs. competitors

Amica vs. State Farm home insurance

The biggest difference between Amica and State Farm is how they cover the structure of your home. State Farm generally includes extended replacement cost coverage with its standard policies, which means it’ll add a little extra to your dwelling coverage limit in case it costs more than expected to rebuild your home after a disaster. Amica includes this coverage in its Platinum Choice package, but it’s an optional add-on for its standard policies.

Both State Farm and Amica encourage the use of certain smart-home technology. State Farm offers a free Ting device, which monitors your electrical system, to policyholders in many states. Meanwhile, Amica offers discounts on some devices and will lower your homeowners premium in many states if you install smart-home technology.

Check out our State Farm home insurance review for more details.

Amica vs. Geico home insurance

The primary difference between Amica and Geico home insurance is that Amica sells its own policies, while Geico works with third parties. Geico will pair you with a company of its choosing, and you’ll have to contact that insurer directly if you ever need to file a claim.

Geico offers limited coverage details on its website, since your options will depend on which insurer you’re matched with. But Amica describes its standard and Platinum Choice policies in some detail, enabling you to decide whether either one would be a good fit.

Learn more with our Geico home insurance review.

Is Amica home insurance right for you?

If you value good customer service from a well-established insurer, Amica might be a good fit for you. Amica is also ideal for those looking to equip their homes with smart devices; the company will lower your premium in many states and even offer discounts on some of the devices.

Other home insurance companies to consider

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

  • Allstate: Large insurer with lots of ways to customize your policy.

  • Nationwide: For shoppers seeking a wide variety of coverage options.

  • Openly: Premium coverage for high-end homes.

  • Travelers: Solid option offering perks for eco-conscious homeowners.

Frequently asked questions

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

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

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


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, coverage, discounts and online experience. 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 full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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