Amica home insurance star rating

4.5

NerdWallet rating 

Amica home insurance earned 4.5 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 ratings, Amica is among NerdWallet’s Best Home Insurance Companies for 2023.

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 What Does Homeowners Insurance Cover?

Amica also has several types of coverage you can add on 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.

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.)

Consumer experience

Website: 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.

App: Amica has two apps that homeowners may find useful. You can use the general Amica app to view bills and policies, make payments, file and track a claim, and contact a representative.

Meanwhile, the Home Check by Amica app lets you create an inventory of your belongings and schedule reminders for home maintenance tasks.

Claims: 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.

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

Where Amica stands out

Customer satisfaction. Amica ranked No. 1 for customer satisfaction in J.D. Power’s 2022 home insurance study. It also draws very few consumer complaints for a company of its size.

Home maintenance app. Amica’s Home Check app aims to help you prevent claims through regular maintenance.

Where Amica falls short

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

» MORE: Amica renters insurance review

Amica vs. competitors

Amica vs. State Farm home insurance

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 vs. Geico home insurance

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.

Is Amica home insurance right for you?

If you value good customer service from a well-established insurer, Amica might be a good fit for you. Amica is also ideal for those looking to equip their homes with smart devices; the company will lower your premium in many states and even offer discounts on some of the devices.

» MORE: Smart-home devices could save you money on home insurance

Other home insurance companies to consider

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

·         Allstate: Large insurer with lots of ways to customize your policy.

·         Nationwide: For shoppers seeking a wide variety of coverage options.

·         Openly: Premium coverage for high-end homes.

·         Travelers: Solid option offering perks for eco-conscious homeowners.