Haris Ashley
Amica homeowners insurance has received largely positive reviews, with high scores for customer satisfaction and financial strength. Amica offers comprehensive coverage through its Platinum Choice policy, which includes dwelling, personal property, loss of use, personal liability, and guest medical coverage. Amica's rates are higher than many top competitors, but it offers numerous discounts and a wide range of add-ons to customize your coverage. Amica has also received praise for its handling of claims and low complaint levels. When comparing Amica to other homeowners insurance providers, it is important to consider factors such as coverage, discounts, customer experience, and price to determine which company best fits your needs.
| Characteristics | Values |
|---|---|
| Customer satisfaction | Amica has received high scores for customer satisfaction in several studies and surveys. It has also drawn fewer consumer complaints compared to other companies of its size. |
| Financial strength | Amica has been rated highly by third-party rating agencies for its financial strength, indicating a strong capability to pay out claims. |
| Trustworthiness | Amica scored 82% for trustworthiness in a survey. |
| Loyalty and renewal | Amica has a high customer loyalty rating, with 97% of survey respondents likely or very likely to renew their homeowners insurance policy. |
| Value | Amica's value scores are lower than other categories, with only 31% of survey respondents completely satisfied with the value of their policy. |
| Claims handling | Amica has received praise for its handling of claims, with high scores in claims satisfaction studies. |
| Coverage | Amica's standard home insurance coverage includes dwelling, personal property, loss of use, personal liability, and guest medical coverage. Its Platinum Choice policy offers more comprehensive coverage, including water backup, sump pump overflow, special computer, and credit card coverage. |
| Discounts | Amica offers various discounts, such as multi-policy, claims-free, loyalty, and automatic detection device discounts. |
| Availability | Amica homeowners insurance is available in Washington, D.C., and all states except Alaska and Hawaii. |
| Premiums | Amica's premiums are generally considered expensive compared to other insurers, but it offers the cheapest coverage among the top companies. |
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What You'll Learn
Customer satisfaction and loyalty
Amica has received recognition for its customer satisfaction and loyalty. Amica ranked above average for customer satisfaction in J.D. Power's 2024 home insurance study, and it has won "Highest Customer Satisfaction Among National Homeowner Insurers" for 17 years in a row. Amica also has the highest TrustScore, which is based on the overall measurement of reviewer satisfaction. Amica has also been awarded "Highest in Customer Satisfaction With the Property Insurance Claims Experience" for eight years in a row.
Amica has the cheapest rates among ranked companies and has topped several categories in surveys, including customer satisfaction, auto and home bundling, and claims handling. Amica's basic homeowners insurance policy is standard among other insurers' plans, but its Platinum Choice policy stands out with its comprehensive coverage. Amica also offers various optional coverages and discounts, along with the option of a traditional or dividend policy.
Amica has also received strong scores for trustworthiness, with 85% of policyholders surveyed saying they would recommend it to others. Amica also has a high rate of policy renewal, with 97% of survey respondents saying they were likely or very likely to renew their homeowners insurance policy.
Reviews on Reddit about Amica homeowners insurance are also largely positive, with many praising the company's customer service and handling of claims. Some reviewers have stuck with Amica even when its prices are higher than those of competitors because they feel the company's service is worth it. However, some Redditors have reported drastic rate increases or problems with claims.
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Amica's Platinum Choice policy
The Platinum Choice policy also offers additional and extended coverages, such as:
- Up to 30% additional protection above the dwelling coverage limit if repair costs exceed the policy limit.
- Broader protection for personal property, including phones, computers, TVs, and other smart devices.
- Higher coverage limits on items like jewellery and watches.
- Coverage for water backup, sump pump overflow, and plumbing-related water damage.
- Special computer coverage for a broader variety of damage to computers and smart devices.
- Credit card coverage.
- Business property coverage.
Amica ranks highly in customer satisfaction surveys, and its basic homeowners insurance policy is standard among other insurers' plans. However, some customers have reported drastic rate increases or problems with claims. Amica's homeowners insurance premiums are generally cheaper compared to competitors, and it scores higher for claims handling.
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Cost and value
Amica offers a standard homeowners insurance policy and an upgraded Platinum Choice policy. The Platinum Choice policy offers higher liability and medical payment limits and more coverage for valuable items such as jewellery and computers. It also includes dwelling replacement, personal property replacement, water backup coverage, and dividend policies. Dividend policies can refund money to the customer at the end of the policy period if the company has performed well. However, dividend policies require higher premiums.
Amica's standard policy includes dwelling coverage, which protects the structure of the home, including attached garages and decks. It also covers other structures, such as fences or gazebos, and personal property coverage, which protects belongings within the home, like furniture and clothing. Amica's standard policy also covers temporary living expenses when a covered loss makes the home unfit to live in.
Amica's Platinum Choice policy stands out for its comprehensive coverage, and it offers various optional coverages and discounts. However, Amica's value scores lower than other categories, with only 31% of survey respondents being completely satisfied with the value of their homeowners insurance policy.
Compared to USAA, Amica has cheaper homeowners insurance premiums. For example, one customer reported that their USAA policy for home, jewellery, and auto insurance was about $3,000 a year, while a similar policy with Amica was only $2,000 a year. However, USAA's standard homeowners insurance covers more than Amica's, including replacement cost coverage and up to $5,000 in identity theft coverage. USAA also offers coverage tailored to military members and outranks Amica in value, customer service, customer loyalty, and likelihood to recommend and renew.
Amica's home insurance quotes are tailored to meet customers' specific needs, helping them secure the right level of protection while avoiding unnecessary costs. Amica also offers several discounts, allowing customers to customize their coverage to fit their needs and budgets.
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Discounts and add-ons
Amica's Platinum Choice policy stands out for its comprehensive coverage and various optional coverages and discounts. Amica's standard home insurance coverage includes temporary housing and additional living expenses if you cannot live at home due to a covered loss, as well as damages if you are responsible for injuries or damage to someone else's property (personal liability and medical payments).
You can add additional coverage to the standard policy, including an extra 30% of dwelling replacement coverage and personal property replacement coverage that fully replaces your personal property if damages are due to a covered loss. Amica also offers a Platinum Choice policy that includes more supplemental coverage, such as water backup, sump pump overflow, special computer, and credit card coverage.
Amica offers several discounts for home insurance customers. You may qualify for savings if your home has fire alarms, sprinkler systems, or burglar alarms. Amica also offers a discount if your home is equipped with a water leak or gas leak detection system.
Amica's dividend policies, available in some states, offer another opportunity for savings. While dividend payments are not guaranteed, a dividend policy could return 5% to 20% of your yearly premium through dividend payments. Other opportunities to save on your premium include multi-policy, claims-free, loyalty, and automatic detection device discounts.
Amica also offers a wide range of add-ons to customize your auto and home insurance coverage. You can bundle your car insurance with a home or life insurance policy, and add gap coverage, which pays out the remainder owed on a financed or leased car after an accident. An umbrella policy can be added to provide an extra layer of liability coverage if a claim against you exceeds your home or car insurance liability limits.
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Coverage and claims
Amica's standard home insurance coverage includes temporary housing and additional expenses if you can't live at home due to a covered loss (loss of use/additional living expenses). It also covers damages if you are responsible for injuries or damage to someone else (personal liability and medical payments). Amica's Platinum Choice policy has more comprehensive coverage, including credit card, water backup, business property, and special computer coverage. Amica's basic homeowners insurance policy is standard among other insurers' plans.
Amica's standard home insurance coverage can be customized with several types of coverage, 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 has a high customer satisfaction rating and receives strong scores for financial strength. It has a low level of complaints relative to the industry average and some competitors. Amica ranked above average in J.D. Power's 2024 home insurance study and received the highest score in its 2023 U.S. Auto Claim Satisfaction Study. Amica also received the highest score in the J.D. Power 2024 U.S. Property Claims Satisfaction Study.
Reddit comments about Amica homeowners insurance are largely positive, with many praising the company's customer service and handling of claims. Some customers have stuck with Amica despite higher prices, feeling that the company's service is worth it. However, several people report drastic rate increases or problems with claims. Amica's rates are higher than many top competitors, and eligibility for coverage depends on dog breed ownership.
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Frequently asked questions
Amica has received high scores for customer satisfaction, with some customers praising the company's handling of claims. Amica ranked above average in J.D. Power's 2024 home insurance study and has a low complaint rate relative to its size. In 2025, Amica placed second in a customer loyalty rating, with 97% of respondents likely or very likely to renew their homeowners insurance policy.
Amica's rates are higher than many of its competitors. However, Amica's Platinum Choice policy has been described as offering more comprehensive coverage than its competitors, including credit card, water backup, business property, and special computer coverage. Amica's average home insurance rate is $1,830 a year, 34% lower than the national average of $2,801.
Amica's standard home insurance coverage includes temporary housing and additional living expenses if you cannot live at home due to a covered loss, as well as damages if you are responsible for injuries or damage to someone else's property. Amica also offers a Platinum Choice policy that provides more comprehensive coverage, including dwelling, personal property, loss of use, personal liability, and guest medical coverage.
Amica's homeowners insurance is available in Washington, D.C., and all states except Alaska and Hawaii.
Amica has received high scores for financial strength, indicating a stable capability to pay out claims. Amica received an A+ rating from AM Best for financial strength.
