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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 home insurance at a glance
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 Home Insurance Companies for 2021.
Amica home insurance pros and cons
Amica home insurance 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:
For more details, see Homeowners Insurance: What It Is and What It Covers.
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 home 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.
Homeowners insurance buying guide
Before you start comparing quotes, identify how much home insurance coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
To ensure you have sufficient personal property coverage, take a quick inventory of your belongings. How much would it cost you to replace them? Include all furniture, electronic devices, clothing, jewelry and household items. This total is the minimum amount of personal property insurance you should have.
When comparing rates between insurers, make sure they’re offering the same limits and deductibles. Although it may seem tempting simply to choose the cheapest option, consider looking at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
You can get home insurance quotes online, over the phone or through an agent.
Amica home insurance FAQ
What other types of insurance does Amica offer?
Amica offers several insurance products, including auto, life, umbrella and marine. Learn more in our Amica auto insurance review.
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 2018-2020. 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.