Amica Home Insurance Review 2020

Amica offers a wide range of home insurance coverage and discounts but isn’t available in every state. Learn more in this Amica home insurance review.

Purchasing a home insurance policy can protect you from losses due to burglary or unforeseen disasters. Without a policy, these situations can hurt your budget and leave you without shelter and with no guaranteed way to pay for temporary accommodations.

Choosing the best home insurance company for your needs means evaluating coverage, costs, availability, and more. The This Old House Reviews team has done some of the work for you, creating this in-depth Amica home insurance review to help you make your decision.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Amica Insurance Cost?
  • Discounts
  • Reviews of Amica Insurance
  • Comparison
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information
  • Our Methodology

Our Take

Amica offers a wide range of home insurance options, including all basic coverage in addition to supplemental protections to round out your policy. Several discounts are available, as is a network of contractors and a special dividend program in most areas. Amica is one of the most affordable home insurance companies we have reviewed.

Unfortunately, Amica does not provide home insurance in all states. Homeowners in Alaska, Florida, and Hawaii will have to look elsewhere. Also, homeowners in certain states, including North Carolina, California, Florida, and Missouri, can’t participate in the dividend program. Overall, we give Amica a score of 96.60 out of 100.

On Amica’s Better Business Bureau profile, common complaints include rising insurance premiums and difficulty canceling policies. Reviews echo increasing prices but also note pleasant and competent customer service.

Pros & Cons

Compare the advantages and disadvantages of Amica home insurance.


Amica offers standard home insurance coverage, along with some supplemental add-ons. Through Contractor Connection, Amica offers a network of 2,000 licensed and insured contractors.

Amica offers a range of extra coverage options.


Amica home insurance is not available nationwide. The insurance provider does not cover homes in Alaska, Florida or Hawaii.

How Much Does Amica Home Insurance Cost?

The exact cost of Amica home insurance depends on a variety of factors, including your property value, size, and the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

In most states, Amica offers a dividend program. This means that while your policy might cost more upfront, the payment is invested as a dividend, so a portion is refunded to you at the end of the policy term.

We requested a quote for a 2,200-square-foot, single-family home in North Carolina. Amica’s monthly cost of $94 is even lower than the national monthly average, which is $101, according to the Insurance Information Institute.


Amica offers a variety of discounts to help lower the cost of your homeowners insurance coverage.

Reviews of Amica Home Insurance

Amica is accredited by the Better Business Bureau and holds an A+ rating from the organization. However, customers rate Amica 1.5 out of 5 stars. Here’s what some customers had to say about their experience with Amica.

Ted said:

“The Amica insurance company has been my insurer for at least seven years for both home and auto coverage. I have always been pleased with the response to my issues and claims. They are always very professional and pleasant to deal with when resolving a claim or any other issues. I would highly recommend this company to anyone who is looking for auto or home insurance coverage.”

Kimberly M. said:

“I have had a homeowners insurance policy with Amica for more than four years claim free. This past year during a front porch remodel, there was some significant dry rot discovered and a minimal claim was processed (<$5,000). It is close to renewal time for my policy and I have received a letter from Amica stating that due to my excessive claims they have decided not to renew my policy. I will now have to find a new insurance carrier and I will definitely check their reviews here before I make any decisions.”


See how Amica stacks up against some of its top competitors on key metrics.

*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI

Our Conclusion

Amica is not one of the largest home insurance companies in the country and is not available in every state. However, it offers a solid range of coverage and discount options in the states where it is available and is one of the most affordable home insurance companies we have reviewed. Significant advantages include its Contractor Connection and dividends program.

Unfortunately, Amica does not use local insurance agents, is not available nationwide, and its perks can differ from state to state. While homeowners in most states covered by Amica can benefit from the dividend program, those in North Carolina, Missouri, and California cannot.

For anyone considering purchasing home insurance, we recommend getting quotes from multiple providers in your area so you can find the best plan:

Frequently Asked Questions

Is Amica a good homeowners insurance company?

Amica offers solid home insurance coverage across the 47 states, in addition to multiple discount opportunities. However, the company does not use local agents, and the perks can differ from state to state.

What does Amica home insurance cover?

Amica home insurance covers the dwelling, personal belongings, personal liability, additional living expenses, and medical payments to guests in its basic policy. Extended coverage, or endorsements, include credit card and water backup coverage, and more.

What does Amica stand for?

Amica stands for Automobile Mutual Insurance Company of America.

What does Amica home insurance not cover?

Like most home insurance companies, Amica does not cover flood or earthquake damage or destruction as part of its basic policies. However, catastrophic coverage can be purchased at an additional cost.

Company Information

  • Company name: Amica
  • Company type: Public
  • CEO: Robert A. DiMuccio
  • Year founded: 1907
  • Headquarters: 100 Amica Way, Lincoln, RI 02865
  • State availability: 47
  • BBB Rating: A+

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at

Leave a Comment

Your email address will not be published. Required fields are marked *