Orlando Harmon
Amica offers homeowners insurance with a personalized approach to help customers secure the right level of protection. Amica's standard homeowners insurance covers damage to the home, attached structures, and detached structures caused by events such as wind, hail, smoke, or lightning. It also provides coverage for belongings, temporary living expenses, and legal assistance. Amica offers optional add-on coverages, such as flood insurance and water backup coverage, which are not typically included in standard homeowners insurance policies. Amica's insurance rates are competitive, with an average monthly premium of $146.20, and they offer various discounts and bundling options to further reduce costs.
| Characteristics | Values |
|---|---|
| Company | Amica Insurance |
| Insurance Type | Homeowners Insurance |
| Coverage | Fire, tornadoes, break-ins, legal expenses, dwelling, personal property, loss of use, personal liability, guest medical coverage |
| Discounts | No claims in the past three years, enrolling in electronic billing, signing up for automatic payments, security alarms, smoke detectors, temperature monitoring system, water leak detection system, gas leak detection system, bundling with auto, umbrella and life insurance |
| Add-ons | Flood insurance, water backup coverage |
| Ranking | No. 2 out of best homeowners insurance companies, with a score of 4.8 out of 5 |
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What You'll Learn
Amica's standard homeowners insurance plan
Amica's standard plan also provides financial relief for repairing or rebuilding your home after a covered disaster. It can help cover legal expenses if someone is injured on your property. Additionally, Amica offers optional coverages that provide extra layers of protection, such as water backup coverage and flood insurance through the National Flood Insurance Program (NFIP).
It's important to note that standard homeowners insurance policies typically do not cover damages caused by flooding, earthquakes, or water backups. However, Amica offers supplemental coverage options, such as flood insurance through the NFIP, which is managed by the Federal Emergency Management Agency (FEMA). Amica also offers an optional add-on coverage for water backup protection.
Amica's standard plan can be customized to fit your specific needs and budget. You can choose between a dividend and traditional (non-dividend) policy, and take advantage of various discounts, such as bundling your auto and home insurance policies or purchasing smart home devices. Amica also offers a Platinum Choice policy, which provides comprehensive coverage and includes many of the additional coverages offered by the standard plan.
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Discounts and savings
Amica offers a variety of homeowners insurance discounts, allowing you to customize your coverage to fit your needs and budget. Here are some ways to save on your homeowners insurance:
No Claims Discount
Amica offers a discount if you have had no claims in the past three years. This incentivizes customers to take care of their property and avoid making claims, which can help keep premiums low.
Security and Safety Features
Amica, like many other insurers, offers discounts for homes with security alarms, smoke detectors, and automatic detection devices. This includes temperature monitoring systems and water leak or gas leak detection systems. These devices can help prevent costly claims by providing early detection of potential issues.
Bundle Policies
You can save money by bundling your home insurance with other Amica insurance policies, such as auto, umbrella, and life insurance. By having all your insurance policies in one place, you not only save money but also enjoy the convenience of dealing with a single company. Amica offers up to 30% off when you bundle multiple policies together.
Electronic Billing and Automatic Payments
Amica provides discounts for customers who enroll in electronic billing and policy information and sign up for automatic payments. This helps streamline the billing process and reduces administrative costs.
Home Improvements
Making improvements to your home can increase its value and safety, which may result in savings on your homeowners insurance. Upgrades and modernizations can make your home more resilient to disasters and reduce the risk of injuries on your property.
Amica is committed to helping customers find the right coverage to fit their unique needs and budget. By taking advantage of these discounts and savings opportunities, you can protect your home and assets while maximizing the value of your insurance policy.
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Flood insurance
Amica offers homeowners insurance with customizable coverage options to fit your needs and budget. However, standard homeowners insurance does not cover flood damage. To protect your home from flooding, Amica can help you obtain flood insurance through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). The NFIP provides flood insurance to homeowners, renters, and businesses, with a standard policy offering $250,000 in coverage for the structure and $100,000 in contents.
It is important to note that there is a 30-day waiting period for new flood insurance policies or increases in coverage to take effect, so it is recommended to get flood insurance quotes right away. Amica can assist you in determining the right amount of insurance based on your flood risk level. Additionally, private flood insurance is also available, offering higher limits and coverage for items not included in an NFIP policy, such as basements, pools, and external structures.
To assess your flood risk, you can use FEMA's online flood map service by entering your address or ZIP code. This will help you determine whether your home is in a high-risk flood zone and the level of risk you face. Even if you live outside of a high-risk zone, purchasing flood insurance is still recommended as flooding can occur due to severe weather events and local infrastructure issues.
By obtaining flood insurance through Amica, you can safeguard your home and belongings against unexpected disasters and have peace of mind knowing that you are protected financially. Amica's reliable and trustworthy services, including swift claims resolution and advanced tools for proactive protection, ensure a seamless insurance experience for policyholders.
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Customer service
Amica offers homeowners insurance with a range of customizable coverage options and discounts. Their policies provide financial relief for repairing or rebuilding homes, replacing belongings after disasters like fires or tornadoes, and covering legal expenses in the event of injuries on the property. Amica's standard homeowners insurance does not cover flooding, earthquakes, or water backups, but they offer supplemental coverage through the National Flood Insurance Program (NFIP) and optional add-ons for water backup.
Regarding customer service, Amica emphasizes empathy and compassion in their interactions with policyholders. They are a mutual insurance company, meaning they are directly responsible to their policyholders, who also have ownership in the company. This structure aligns the company's interests with those of its customers. Amica encourages policyholders to review their coverage options and deductible choices at least once a year to ensure they are fully covered. They also provide resources to help customers save money on their premiums, such as offering discounts for security alarms, smoke detectors, automatic detection devices, and enrolling in electronic billing.
Amica also offers convenience through policy bundling, allowing customers to save time and money by having all their insurance policies in one place. This includes combining home insurance with auto, umbrella, and life insurance policies, with potential discounts of up to 30%.
Amica's website provides an easy and fast quoting process for customers seeking insurance quotes. It recommends having relevant details on hand, such as information about vehicles, accidents or claims history, and current insurance coverage. Additionally, Amica suggests comparing insurance offerings from different companies to ensure customers receive the best value and service.
Overall, Amica's customer service aims to provide personalized attention, flexibility, and support to meet the evolving needs of its policyholders. Their focus on empathy and mutual responsibility sets a tone of care and concern for their customers' well-being and satisfaction.
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Home insurance quotes
Amica offers homeowners insurance that can be customized to fit your needs and budget. Their standard plan includes dwelling, personal property, loss of use, personal liability, and guest medical coverage. Amica also offers supplemental coverage, such as flood insurance through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). It's important to note that standard homeowners insurance typically does not cover flood damage, so this supplemental coverage can provide valuable protection.
When considering home insurance quotes, it's essential to understand the different types of coverage available and how they can protect your home and belongings. Homeowners insurance typically covers damage to your home and possessions from specific perils, such as fires, severe weather, or theft. It can also provide liability coverage if someone is injured on your property or if you are found legally responsible for their injuries.
To get accurate home insurance quotes, you'll need to provide information such as your home's location, value, and any special endorsements for items like fine art or jewelry. You can use online tools offered by insurance companies or comparison websites to input your information and receive quotes from multiple providers. This allows you to compare prices and coverage options side by side, ensuring you get the best protection for your home at a price that fits your budget.
In addition to standard coverage, some insurance companies offer optional add-ons or endorsements for specific situations. For example, if you live in an area prone to flooding or earthquakes, you may want to consider supplemental coverage for these events, as they are typically excluded from standard homeowners insurance policies. By tailoring your coverage to your specific needs, you can ensure you have the protection you require while managing your overall cost.
When reviewing home insurance quotes, it's important to consider not only the price but also the reputation and reliability of the insurance provider. Look for companies with strong financial ratings and positive customer reviews. Additionally, pay attention to the deductibles, coverage limits, and any exclusions or gaps in coverage to make an informed decision about the level of protection you're receiving. Remember to revisit your policy periodically to ensure it remains up-to-date and continues to meet your needs over time.
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Frequently asked questions
Yes, Amica offers homeowners insurance. Amica's standard homeowners insurance plan doesn't cover water damage from a clogged drain or failed sump pump, flooding, earthquakes, or water backups. However, Amica offers optional water backup coverage and helps you get flood insurance through the National Flood Insurance Program (NFIP). Amica's personalized approach to homeowners insurance helps you secure the right level of protection, avoiding unnecessary costs while ensuring you don't miss out on essential features.
Amica's homeowners insurance covers your home, attached structures, and detached structures for damage caused by events such as wind, hail, smoke, or lightning. It also provides coverage for your belongings, including furniture, clothing, and electronics, in the event of a covered loss. Additionally, it covers temporary living expenses when a covered loss makes your home unfit to live in, including additional food, pet boarding, and fuel costs.
Amica is one of the top-rated homeowners insurance providers in the United States, known for its excellent customer service. According to MoneyGeek's 2025 research, Amica is one of the best home insurance providers in Massachusetts, along with State Farm, Chubb, Farmers, and Vermont Mutual. Amica offers the cheapest homeowners insurance, with an average monthly premium of $146.20 for a plan with $300,000 in dwelling coverage and $100,000 in liability coverage.
