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Amica Homeowners Insurance Review: Solid Policies Backed by Great Customer Service

Published Oct. 18, 2021
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

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This homeowners insurance is a good fit for: Homeowners who value customer service and comprehensive home insurance coverage.

Amica home insurance has a loyal following, thanks to its excellent customer service and solid coverage. It serves all states except Alaska and Hawaii, so homeowners who live in the continental U.S. should give it a look. Here's an overview of what Amica homeowners insurance has to offer.


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Bottom Line

Amica isn't as well known as some of the other home insurance companies on this list, but if you asked its customers about their experiences, most would probably give you glowing reviews. Amica was one of the highest-scoring companies in J.D. Power's most recent Home Insurance Customer Satisfaction survey. While its coverage options may not be as extensive as some of its competitors, it does the basics extremely well, and you won't find an equal to its dividend policies anywhere else.


  • Excellent customer satisfaction ratings
  • Good selection of homeowners discounts
  • Unique dividend policy option


  • Fewer endorsements than some of its competitors
  • Can't buy a policy online

Stand-Out Coverage Options

  • Dividend policies, which pay homeowners up to 20% of their annual premiums each year

Full Amica homeowners insurance review


  • Excellent customer service
  • Comprehensive coverage
  • Unique dividend policy option
  • Good selection of discounts


  • Policies not available in Alaska or Hawaii
  • Fewer endorsements than some competitors

Amica homeowners insurance at a glance

Top perks

Industry-leading customer service

Amica scored above average in J.D. Power's most recent U.S. Home Insurance Study and its U.S. Property Claims Satisfaction Study. It also has a low complaint ratio with the National Association of Insurance Commissioners (NAIC). All this suggests that most of Amica's home insurance customers are satisfied with its service.

Comprehensive home insurance coverage

Amica offers a solid foundation of homeowners insurance coverage. This includes protection for homes, other dwellings on the property, and personal items. Applicants can choose a basic policy or a Platinum Choice® policy. The latter offers rare coverage options.

Unique dividend insurance policies

Amica's dividend policies are slightly more expensive than traditional homeowners insurance, at least upfront. But they pay back between 5% and 20% of a homeowner's annual premium, making them cheaper in the long run. Homeowners can choose to receive a dividend check or have it direct-deposited to a bank account. They can also have the dividend applied to a future premium.

Decent selection of home insurance discounts

Home insurers usually don't offer many discounts, but Amica offers more than most. Most are standard, like multi-policy, claim-free, and auto-pay discounts. But there are also options like loyalty discounts and remodeled home discounts that you won't find with many insurers.

What could be improved

Homeowners insurance not available in Alaska and Hawaii

Amica currently writes policies in 48 states and Washington, D.C. But it doesn't offer homeowners insurance in Alaska or Hawaii.

Fewer endorsements than some competitors

Amica offers some common endorsements, like guaranteed replacement coverage and extra coverage for valuables. But it doesn't have the wide variety to create a truly customizable policy. Homeowners interested in rare coverage options may have to consider other choices.

Alternatives to consider

When homeowners want more options for customizing a policy: State Farm offers home insurance policies in all 50 states. It offers a huge selection of endorsements to help homeowners build a unique policy. But State Farm doesn't offer as many homeowners discounts as Amica.

When homeowners want to buy a policy online: Hippo home insurance offers customers a quote in 60 seconds. It also offers comprehensive coverage and a free smart home monitoring system in select areas. But it only sells homeowners insurance in 39 states.

Rates / Pricing

Amica homeowners insurance rates are pretty reasonable compared to many competitors. But homeowners' exact rates depend on the zip code, claims history, the size and construction of the home, and which discounts they qualify for.

Discounts available

Amica offers the following homeowners insurance discounts:

  • Loyalty discount
  • Multi-line discount
  • Claim-free discount
  • Autopay discount
  • E-discount
  • Alarm system discount
  • New/remodeled home discount
  • Automatic detection devices discount

The company offers more homeowners insurance discounts than many of its competitors. But not all discounts are available in all states.

Coverage options

Amica offers the following homeowners insurance coverage:

Dwelling coverage

This type of coverage protects the home itself against damage from a covered loss.

Other structures coverage

This coverage pays for damages to sheds and other structures on the property.

Personal property coverage

This coverage pays to repair or replace the homeowner's personal property if it's damaged or stolen. This coverage applies even if the items are damaged or stolen while they are off of the property.

Loss of use coverage

This coverage helps homeowners cover the cost of living elsewhere if they're forced to vacate the home following a covered claim.

Personal liability coverage

This covers medical payments if the homeowner is found liable for another person's injuries.

Dwelling and personal property replacement coverage

This pays the homeowner the full amount to replace damaged or stolen items rather than the depreciated value of those items.

Identity fraud expense coverage

This coverage reimburses the policyholder for expenses related to restoring a stolen identity.

Home business coverage

Those who operate small businesses out of their homes need this to protect their business equipment.

Credit card coverage

This coverage pays a homeowner who's found liable for fraudulent credit card charges on their statements.

Application process

Interested homeowners can get an online quote from Amica within a few minutes. They can also customize their coverage and add endorsements to their policy. Once they've settled on a policy, they must contact Amica to complete the process. This is pretty standard for most homeowners insurance companies.

Customer service and ratings

Amica has some of the highest customer satisfaction ratings in the industry. It's earned high marks from J.D. Power in its U.S. Home Insurance Study and its U.S. Property Claims Customer Satisfaction Study.

It also has a 0.51 complaint ratio with the National Association of Insurance Commissioners (NAIC). Any ratio below 1 is an above-average score.

This homeowners insurance is the best option if:

  • Customer service is a homeowner's top priority.
  • The homeowner is interested in Amica's unique dividend policies.
  • The homeowner isn't seeking a huge variety of endorsements.

Those looking for more endorsements may want to look into State Farm, while those interested in purchasing and managing a policy entirely online might consider Hippo.

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