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Amica Home Insurance Review 2021

April 6, 2021
Homeowners Insurance, Insurance
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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.

Amica homeowners insurance at a glance

5.0 NerdWallet rating

Amica home insurance earned 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 considerations, Amica is among NerdWallet’s best homeowners insurance companies for 2021.

Amica homeowners insurance pros and cons

ProsCons
High level of customer satisfactionFewer discounts available for home insurance relative to other companies
Large number of add-on coverage options
Simple and efficient online claims filing and tracking

Amica home insurance state availability

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

Amica homeowners insurance coverage

Amica offers standard home insurance coverage that includes everything you’d expect in a typical policy.

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.

Amica’s home insurance 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.

Amica homeowners insurance consumer complaints

Amica had 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.)

Amica home insurance consumer experience

Website: Amica’s website has home insurance quotes on the main page, and 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.

Amica homeowners insurance FAQ

What other types of insurance does Amica offer?

Amica offers several insurance products, including, but not limited to, auto, life, umbrella and marine.

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.

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. 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 2016-2018. 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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