Amica Homeowners Insurance – Product Review

amica homeowners insurance

When it comes to evaluating home insurance from the top companies that we feel will best serve our clients and prospective clients, we have found over time that Amica Mutual can easily become one of our go-to carriers.


Amica homeowners insurance has become very popular with U.S. homeowners because of the product’s affordable and competitive rates combined with outstanding customer service and claims service. And, since the company offers other personal line products, Amica Mutual could easily be considered the number one resource for personal insurance.


NOTE: We are not Amica Mutual. To speak with a company representative, you can call them at (800) 242-6422 or contact them through their website at If you need the company’s physical address, please see below:

Amica Mutual Insurance Company
100 Amica Way
Lincoln, RI 02865


About Amica Mutual Insurance Company

Amica logo

We believe that many people are surprised when they learn that Amica Mutual was founded almost 113 years ago, back in 1907, and is the oldest mutual insurance company for car insurance in the United States.

Unlike many of its competitors, Amica does business directly with the consumer rather than relying on distributing its products through independent agencies. Amica has auto insurance, home insurance and life insurance offerings.

Even without the assistance of reputable and committed independent agents, the company has become known for exceptional customer service and the ability to maintain long-term customer relationships.

To service policyholders across the country, Amica relies on 44 well-staffed offices rather than just a few regional offices that in most cases would leave different customers with very different needs disappointed.

Amica’s products are currently available in 49 states including the District of Columbia but do not offer their products in Hawaii.


Amica Mutual’s Financial Stability and Customer Ratings


Whenever you are considering making an insurance purchase, it’s essential that the company you select has the financial ratings and customer satisfaction required to establish a long-term relationship.

After all, all insurance contracts rely on a promise by the parties to the contract. The insurance company promises to pay for a covered claim and the policyholder promises to pay the established premium set by the insurer. In many cases, these promises must be binding over decades so the financial stability of your insurer must be evident.

 Here is the evidence provided by Amica: 


A.M. Best RatingA+ (Superior)
J.D. Power Rating5 out of 5 stars for overall customer satisfaction
Consumer ReportsScore of 94 (1st among insurance companies)
Better Business BureauA+ (accredited since 1957)


Amica Mutual Insurance Products


Similar to most of the other highly-rated insurance companies, Amica Mutual offers a wide range of insurance products for personal and business risks. This is especially important for qualifying for multi-policy discounts and helps customers minimize the number of insurance companies they must deal with.

AutoHomeRecreationalLifeSmall Business
Car InsuranceHomeowners InsuranceBoat InsuranceTerm Life InsuranceGeneral Liability
Motorcycle InsuranceRenters InsuranceWhole Life InsuranceProfessional Liability
Condo InsuranceAnnuitiesBOP coverage
Flood Insurance


Amica Homeowners Insurance Review


Amica Auto Insurance


Like its competitors, Amica offers a standard homeowners insurance policy that is a package of coverages that take care of your home, contents, and personal liability, but Amica expands on the standard homeowners’ policy by offering extended home insurance coverage and yet even more coverage under Amica’s Platinum Choice® coverage.

Here are the coverages available in a standard homeowners’ package:


Type of CoverageWhat it CoversTypical Limit of CoverageDeductible Applied
DwellingCovers the structure of the home and any attached/built-in appliancesClaims are generally based on replacement cost of the home (land or lot not covered)Yes - Flat amount or % of structure value
Other StructuresCovers any structures on the property not attached to the house such as fences, barns, workshopsUsually 10% of dwelling limit. Can be increased if needed.Yes
Personal PropertyPersonal belongings inside and outside of your home50% of dwelling limit but can be increased or decreased as neededYes
Loss of UsePays for temporary relocation expenses while the home is under repair20% of dwelling limitYes
Personal LiabilityPays for medical expenses and legal expenses if found liability for injuries or property damage to a third-partyTypically available limits are $100,000 to $1 millionNo
Medical PaymentsPays medical expenses for third-party injuries regardless of faultTypical limits are $1,000 to $10,000No



With Amica Platinum Choice® Homeowners Insurance, the policyholder will enjoy additional protections for more comprehensive coverage:

  • If your home needs major repairs or a rebuild, Platinum Choice provides up to 30% more than the policy limit to make certain you are made whole after a claim.
  • Platinum Choice policyholders are protected up to $5,000 for damage caused by water backup or sump overflow.
  • When you file a claim for stolen credit cards, Amica will reimburse for up to $5,000 of purchases made with the stolen credit card(s).
  • With Platinum Choice coverage, your contents are insured for replacement cost rather than actual cash value which means new for old.
  • Extended coverage on valuable items – certain personal items have special limit coverage which normally falls well short of replacement cost, with Platinum Choice coverage these special limits are extended.
  • Additional Liability Coverage – most homeowners’ liability limits are $100,000 per person or $300,000 per claim. With Platinum Choice, your liability coverage is increased to $300,000 per person and $500,000 per claim.
  • Protection for your Electronics – all electronic devices like laptops, tablets, phones, and smart TVs are covered for damage resulting from water, power surge, and heat warping.
  • Extended coverage for business property is available whether the property is in your home or away from home.


What’s Not covered under Amica Homeowners Insurance


It’s important to note that not every possible risk is covered under your homeowners’ insurance. Most of what’s not covered can be added by endorsement or by purchasing a stand-alone policy specific to the peril. For example, flood damage is not covered under your homeowners’ insurance but you can purchase a policy through the government flood insurance program.

Here’s a list of perils not covered under the HO3 homeowners’ insurance policy:


Power FailureNuclear HazardIntentional Acts
Water DamageGovernmental ActionsLaw or Ordinance
Theft while Under ConstructionVandalism if Vacant more than 60 DaysFungus, rot, or mold
Mechanical BreakdownDamage from smog, rust, or corrosionWear and tear
Damage associated with NeglectDamages caused by Your AnimalsDamage caused by rodents, insects, or birds
Expansion, shrinkage, settling, or bulgingDischarge, seepage, or dispersal of pollutantsSmoke damage caused by industrial operations or agricultural smudging
WarMovement of earthCollapse of property

Click Here to review the text for the HO3 Homeowners Insurance Policy.


Amica Homeowners Insurance Claim Department


How an insurance company handles a claim can either help or destroy your relationship with an insurance company.

Amica’s claim service is ranked as one of the best in the country. The claim managers and adjusters at Amica Mutual understand that claims can be stressful but it shouldn’t be because of how your insurance company deals with it.

Amica’s claims department is set up so that policyholders and non-policyholders can report a claim by phone or through Amica’s website. Once your claim has been reported and assigned a case number, you can be updated regularly through the website, by telephone, or by email on your claim’s status. You’ll never feel like you’re getting the “run-around.”


What others are saying about Amica Homeowners Insurance

people talking


Instead of asking a few friends or relatives who they recommend for homeowners’ insurance, why not read what thousands of Amica’s current and former customers are saying. Here’s what we found:

  • WalletHub – 3.7 out of 5 stars (54 reviews)
  • Clearsurance – 4.2 out of 5 stars (735 reviews)
  • US Insurance Agents – 3.72 out of 5 stars (60 reviews)
  • NerdWallet – 4.5 out of 5 stars (editorial review)


Policygenius quote form


Frequently asked Questions

Does Amica offer premium homeowners insurance?

Amica car insurance

If you’re looking for more than a standard homeowners policy, Amica offers the Platinum Choice® policy which provides broaden coverage for policyholders.

Does Amica offer a discount when you bundle home and auto?

woman with list graphic

Absolutely. Most policyholders can save up to 20% on their insurance premium when they purchase home and auto insurance from Amica.

Does Amica have agents in my neighborhood?

man with laptop

Amica Mutual Insurance distributes its insurance products directly to consumers from 44 offices across the country. You can save time by quoting and buying online or on the phone.

Does Amica homeowners insurance cover my business property at home?


Your business personal property is covered at home or away from home up to the limit in the policy. Talk to an Amica agent for more information.