Amica Homeowners Insurance Review 2024
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Coverage options
Discounts
NAIC complaints
Amica
Coverage options
Discounts
NAIC complaints
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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
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
You can start a quote online but have to finish the buying process by phone.
Not available in Alaska or Hawaii.
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
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. 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.
For more details, see What Does Homeowners Insurance Cover?
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.
Most homeowners insurance policies offer limited theft coverage for valuables such as jewelry. If you have an expensive engagement ring or a valuable collection, you may want to consider buying separate jewelry insurance.
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.
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.
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.
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.
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.
Current Product
|  |
|---|---|
NerdWallet rating 5.0 /5 | NerdWallet rating 4.5 /5 |
Complaints to NAIC Far fewer than expected | Complaints to NAIC Fewer than expected |
Coverage About average | Coverage More than average |
Discounts Great set of discounts | Discounts Average set of discounts |
Bottom line Well-established insurer known for great customer service. | Bottom line Well-established insurer with a lengthy list of coverage options. |
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.
Current Product
|  |
|---|---|
NerdWallet rating 5.0 /5 | |
Complaints to NAIC Far fewer than expected | Complaints to NAIC No data |
Coverage About average | Coverage No data |
Discounts Great set of discounts | Discounts No data |
Bottom line Well-established insurer known for great customer service. | Bottom line Best for Geico car insurance customers looking to bundle their auto and homeowners policies. |
We recommend getting home insurance quotes from at least three companies to find the best value on the coverage you need.
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
Homeowners insurance star 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 2021-2023. 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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