Amica Homeowners Insurance Review 2024

About Amica home insurance

Amica home insurance earned 5 out of 5 stars for overall performance.

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.

Based on this star rating, Amica is among NerdWallet’s Best Home Insurance Companies for 2024.

How Amica home insurance stacks up

Where Amica home insurance stands out

Customer satisfaction. Amica ranked above average for customer satisfaction in J.D. Power’s 2024 home insurance study. It also draws very few consumer complaints for a company of its size.

Dividend policies in some states. Not many insurance companies offer you the chance to earn dividend payments on your policy.

Where Amica home insurance falls short

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

State availability

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

Standard Amica home insurance coverage

Optional Amica home insurance coverage

Amica has several types of coverage you can add 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.

What’s not included

Amica home insurance policies don’t cover:

• Flooding.

• Earthquakes.

• Rodent or insect infestations.

» MORE: 10 kinds of damage home insurance won’t cover

Discounts

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.

» MORE: The cheapest homeowners insurance

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.)

» MORE: Amica renters insurance review

What Reddit users say about Amica

Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.

Reddit comments about Amica homeowners insurance are largely positive, with many people praising the company’s customer service and handling of claims. Some say that they’ve stuck with Amica even when its prices are higher than those of other insurers because they feel the company’s service is worth it.

That said, not all Redditors have good things to say about Amica. Several people report drastic rate increases or problems with claims.

Questions from Reddit: Our experts answer

Why is Amica quoting me higher rates than other companies?

Every insurance company has a different formula for calculating premiums, which means that the cheapest option for your neighbor might not be the cheapest one for you. Also, insurers often have slightly different estimates for how much it will cost to rebuild your home. So, for example, a company that thinks it’ll cost $300,000 to rebuild your home may charge a higher premium than one that sets the replacement cost of your home at $260,000.

When comparing home insurance quotes, check how much coverage is included in each potential policy and which deductibles apply. You may also want to weigh each company’s track record of consumer complaints. (You can find this information in NerdWallet’s home insurance reviews.)

Why does my dwelling coverage from Amica not match what my home is worth?

The dwelling coverage limit on a homeowners policy is the maximum amount your insurance company will pay to rebuild your home if it’s destroyed. This amount may not match the value of your home as determined by an appraiser for selling purposes. That’s because the appraised value includes the land your house sits on, which isn’t a factor in your rebuilding cost.

» MORE: How much homeowners insurance do I need?

Digital and consumer experience

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.

You can use the Amica app to view bills and policies, make payments, file and track a claim, and contact a representative.

When we called Amica’s customer service line, we were connected with a friendly human in three minutes. We first asked whether Amica’s standard policy included actual cash value or replacement cost coverage for personal property. Although the website lists replacement cost coverage as optional, the representative told us it’s always included — which matches what we saw in our sample online quote.

The rep also told us that $5,000 of water backup coverage was typically included with a standard policy, with higher limits available. This too matched what we saw in our online quote.

We had less success getting answers from Amica’s “virtual assistant” chatbot. Although it responded immediately, it didn’t provide the information we were looking for or connect us with a human.

How to file a claim with Amica

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.

How to contact Amica customer service

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

» MORE: 6 homeowners insurance terms you need to know

Amica home insurance vs. competitors

Amica home insurance vs. State Farm

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 homeowners insurance vs. Geico

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.

Other home insurance companies to consider

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

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.

In our research, we analyzed:

• More than 270 million homeowners insurance rates.

• More than 50 insurance companies.

• Nearly 200 homeowner profiles.

View our complete homeowners insurance rating methodology.

Methodology