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Home Insurance

Protect the place you call home

Coverages

Choose the policy option that fits your needs.

Discounts

Discover all the ways you can save.

Dividends

Choose a policy that pays you back.

What Amica offers

Amica offers two types of homeowners insurance policies – HO3 and HO5. No matter which policy you choose, we’ll help you customize your policy to make sure you have the coverages you need to have peace of mind.

Standard Choice HO3

Platinum Choice HO5

Everything that's covered on an HO3 and:

5 reasons Amica’s home insurance gives you peace of mind

What are the coverages on a homeowners insurance policy?

Each of these coverages are subject to a policy limit, which is specified on your Declarations Page. There are a variety of endorsements and additional coverages that can be added to suit your coverage needs.

What causes of loss are covered on a homeowners insurance policy?

Incidents covered by your homeowners insurance depend on which type of policy you have. The two main types of homeowners policies for a standard single-family home are an HO3 and an HO5. The primary difference between these two policies is an HO5 provides broader coverage for your personal property. For more details on the differences between an HO3 and HO5 policy, visit our Home Insurance Coverages page.

Peril is another name for “cause of loss.” So, having open perils means all causes of loss are covered unless they are explicitly excluded in the policy. Named perils means that the 16 named perils in the policy are the only causes of loss that are covered.

Oregon-specific information

Wildfire is a peril that’s used in rating homeowners policies in Oregon. To learn more about wildfire risk classification and the impact on your policy, visit our Wildfire Risk Information page.

What isn’t covered on a typical homeowners insurance policy?

Home insurance policies don’t cover flooding. Even if you don’t live in an area prone to flooding, a flood insurance policy may come in handy. To learn more about flood insurance and if it’s right for you, visit our flood insurance information page.

Exactly what is and isn’t covered on your homeowners insurance depends on what policy type and endorsements you have. There are specific limits of coverage for loss by theft of jewelry, firearms and silverware, as well as for damage to business property and portable electronic equipment. It’s important to know the limits of your policy to make sure you don’t find yourself not having enough coverage. Most of these limits can be increased from the standard amounts. Amica’s representatives are happy to discuss any policy limits to make sure you have the coverage you need.

Start Your Home Quote

Good News!

We have coverage available in your area

Select a product to get started on your quote.

Get a Quote Online

Quote your coverage whenever it’s convenient for you

Additional Products

Call to learn more about what else is available in your area

Let’s get started!

Help us answer a few questions so we can get you the most accurate {{product-txt}} quote

We respect your privacy – the information you provide is secure and will only be used for the purpose of this quote. 

Not sure if you’re ready to start quoting? That’s okay! Explore our {{product}} to learn more.

Give us a call!

Get your {{product-txt}} insurance quote over the phone

For an easy and faster quoting process, it’s helpful to have the following information handy:  • Details about your car  • Details about any accidents, claims or moving violations • Current insurance information, including coverage limits

800-242-6422

Not sure if you’re ready to start quoting? That’s okay! Explore our {{product}} to learn more.

We're sorry!

Something went wrong on our end.

Please give us a call and our award-winning customer service representatives can help you finish your quote.

We appreciate your patience and flexibility.

800-242-6422

We’re sorry

Unfortunately, {{product-txt}} insurance is unavailable in {{zip}}.

Other products available in {{zip}}

Check a different ZIP Code

Retrieve Your Saved Quote

Welcome back! 

Please enter your ZIP Code to help us find your saved quote.

Enter your ZIP Code

Choose the Best Home Policy for You

Our Platinum Choice® Home policy offers:

Select a Home policy to quote:

Not sure which home coverage is right for you? Explore our home coverages section to learn more.

Amica was awarded “Highest Customer Satisfaction Among National Homeowner Insurers, 17 Years in a Row.”4

See How We're Recognized

This product is not available in AK and HI. 1 Discounts not available in all states and may vary. Click here to learn about hurricane mitigation discounts in Florida. 2 As of Dec. 31, 2022, for Amica auto, home and umbrella policyholders.

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