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Amica Home Insurance Review

Amica offers a dividend policy that can pay out 5% to 20% of your annual premium

Founded in 1907, Amica directly writes insurance policies, including auto, life, and homeowners insurance. It currently has 1.4 million open policies. Known as the United States’ oldest mutual insurer of automobiles, Amica offers opportunities for policyholders to save on their home insurance needs.

Offers dividend policy options

Ability to receive quote online

A number of ways to receive discounts on premiums

Not available in every state

Dividend policy not available in every state served

Limited coverage endorsement offers

Pros Explained

Cons Explained

Amica Standard Home Insurance Coverage Plan

Amica is the direct writer of its homeowners insurance policies. Its standard coverage includes the following: 

Dwelling Replacement Coverage

This portion of your coverage protects the physical structure of your home, such as the roof, walls, garage, and sunroom. In the event of damage from causes such as fire, hail, lightning, theft, vandalism, and wind, Amica will repair or replace the affected structure. If the cost to repair or rebuild the home is more than your policy’s coverage limits, Amica will provide an extra 30% above your limit. 

Other Structures Coverage

Detached structures, such as fences, garages, and sheds on your property, are protected from qualifying events or covered losses. 

Personal Property Coverage

Amica provides worldwide coverage in the event of damage or theft of valued items such as furniture and electronics. You’ll be protected for up to the coverage amount you selected. Items may be repaired or replaced completely. 

Personal Liability Protection

Your coverage pays for qualifying medical expenses if a guest is accidentally injured while on or around your property. Medical expenses may include hospital stays, ambulance rides, and surgical procedures. It also includes coverage in case a guest claims damage to their property. 

Loss-of-Use Coverage

If your home is deemed unfit to live in and damaged by a covered loss, Amica will cover additional living expenses, such as storage rental and food bills (if they’re deemed higher than normal), and temporary housing, such as hotel rooms.  

Factors that may influence your rates will vary depending on the insurance company. However, most insurers look at the following:

Amica Home Insurance Discounts

Amica offers eight different ways to save on your homeowners insurance premium. Though its options are pretty standard compared with other competitors, here’s how you can save:

An additional way to potentially save on your home insurance premiums is to choose a dividend policy. Though the initial premium may be higher, this policy will return a portion of your money back as a dividend payment. Amica claims that payments are 5% to 20% of an annual premium. You can receive your dividend payment via a check in the mail or direct deposit, or you can choose to apply it to your next year’s premium.

Amica Home Insurance Availability

Amica home insurance policies aren’t available in Alaska and Hawaii. Coverage, discounts, payment plans, dividend policies, and other features may not be available in every state in which Amica does business. 

Amica Customer Service

Amica has a live chat feature on its site. Claims representatives are available on weekdays from 8 a.m. to 9 p.m EST and on Saturdays from 10 a.m. to 5:30 p.m. EST. Sales and customer service representatives are available on weekdays from 6 a.m. to midnight EST and on weekends from 7 a.m. to midnight EST.

You can also call 800-242-6422 to speak with a sales or customer service representative. The hotline is available on weekdays from 6 a.m. to 1 a.m. EST and on weekends from 7 a.m. to midnight EST. To file a claim, you can call the same number 24/7.  

How to Make a Home Insurance Claim With Amica

The methods to file a home insurance claim include:

Once you file a claim, you will receive a claim number. You’ll need to supply this number when you communicate about your claim going forward, including when checking on its status and uploading relevant documents. 

Amica Home Insurance Cancellation Policy

You should be able to cancel your Amica homeowners insurance policy at any time. You’ll need to call 800-242-6422 to submit a request. 

Other Insurance Provided by Amica

Amica provides the following insurance coverage in addition to homeowners insurance:

Get an Amica Homeowners Insurance Quote

Head to Amica’s website and fill out the relevant information, including your full name, address, and phone number, to receive an initial online quote. You can also contact a representative by calling 800-242-6422 or heading to the customer service section of Amica’s website and choosing “Find an Office” to locate a representative. 

Compare Other Home Insurance Reviews

While Amica can act as a one-stop shop for your insurance needs, including offering plenty of ways to lower your premium, it may not give you the best quote. To ensure you have the right coverage at the best price, you should shop around with a few homeowners insurance companies. 

Final Verdict

Amica is a good fit for those looking for basic coverage and additional protection such as business property and catastrophic coverage. Applicants may be able to find an affordable policy given Amica’s range of discount options. Its dividend policy option offers an additional way to receive money back at the end of the policy—an offering that’s not widely available with competitors. 

However, if you’re looking for more customized options, such as service line coverage, or you reside in a state where Amica isn’t available, you’ll need to look elsewhere. Still, with the potential savings you may receive and additional insurance products provided through Amica, it’s worth taking a look to see what you may be eligible for. 

Frequently Asked Questions

Is Amica Good at Paying Claims?

Amica's financial strength received an A+ (superior) rating from AM Best, a credit rating agency that evaluates the creditworthiness of insurance companies. This means that Amica is a reliable home insurance company and is in a good position to be able to pay claims.

Amica's customer satisfaction was also rated favorably by the National Association of Insurance Commissioners (NAIC). According to the NAIC's Complaint Index, Amica received fewer complaints in 2022 than expected for a company of its size.

Is Amica Home Insurance Expensive?

Amica's home insurance costs are about average when compared with competitors, though the costs can vary depending on factors such as your location, selected coverage, and any applicable discounts. Amica offers a dividend policy, which refunds a portion of your premium. There are also quite a few discounts that can lower your overall costs. You can receive a free quote online to compare providers.

Does Amica Cover Hail Damage?

Yes, Amica will repair or replace any physical structures on your property that are damaged by hail, as well as fire, lightning, and wind. You can also choose to add dwelling replacement coverage to your standard policy, which will provide an extra 30% to repair or rebuild your home if the costs exceed your policy limit.

Methodology

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of homeowners insurance providers. We reviewed each company’s coverage options, available discounts, customer service, and satisfaction ratings to help you make the right insurance decision for your needs.

Amica. "About Us."

Insurance Information Institute. “12 Ways to Lower Your Homeowners Insurance Costs.”

Amica. "Home Insurance Discounts."

Amica. "Home Insurance Dividend Policies."

AM Best. "Amica Mutual Insurance Company."

NAIC. "Amica Mut Ins Co National Complaint Index Report."