• Cons
    The quote process can be initiated online but must be finalized over the phone., Services are not available in Alaska or Hawaii.
  • Coverage Type
    Roughly average
  • Discounts Type
    Outstanding
  • Consumer Complaints
    Amica has noticeably fewer home insurance complaints relative to its size than expected, based on three years of data from the National Association of Insurance Commissioners (NAIC data encompasses other home policy types, including mobile home, renters, and condo insurance).
  • Digital Experience
    You can initiate a home insurance quote on Amica's website, but you'll need to complete the purchase over the phone. Amica also allows customers to file and track claims online. The site features a unique Contractor Connection function, which pairs customers with home improvement specialists vetted by Amica., The Amica app allows you to view bills and policies, make payments, file and track claims, and contact a representative., When we contacted Amica’s customer service, we connected with a friendly representative in three minutes. We first inquired about whether Amica’s standard policy included actual cash value or replacement cost coverage for personal property. Although the website states that replacement cost coverage is optional, the representative informed us it’s always included, which corresponded with our sample online quote., The representative also confirmed that $5,000 of water backup coverage was typically included in a standard policy, with higher limits available. This also matched our online quote., We had less success with Amica’s 'virtual assistant' chatbot. Although it responded immediately, it did not provide the information we sought or connect us with a human.
  • Discounts
    Sticking with the same insurer for a minimum of two years., Combining your homeowners policy with another type of insurance such as auto., Avoiding claims for a minimum of three years., Signing up for automatic payments., Opting for electronic policy documents., Paying your premium in full, upfront, instead of in installments., Insuring a new or recently renovated home., Installing specific safety and security devices such as burglar alarms or sprinkler systems., Using smart-home devices to monitor things like water leaks, smoke, temperature and home security.
  • Falls Short
    Lack of services in Alaska or Hawaii. Homeowners in these states will need to look for alternatives.
  • Contacting Customer Service
    Amica provides customer support via live chat, phone (800-242-6422), and email. You can also look for a local office for in-person assistance.
  • Claim Filing
    Amica provides multiple ways to file a claim: by phone, through its website, or via its app. Amica advises taking photos of any damage prior to starting repairs. For more guidance, refer to the guide on how to file a home insurance claim.
  • Not Covered
    Flood damage. (Refer to guides on purchasing separate flood insurance.), Earthquakes., Infestations from rodents or insects.
  • Not Included
    Flood damage. (Refer to guides on purchasing separate flood insurance.), Earthquakes., Infestations from rodents or insects.
  • Optional Coverage
    Dwelling replacement that pays up to 30% more than your coverage limit for home repairs or rebuilding., Personal property replacement to cover the cost of replacing personal items with new ones., Water backup/sump overflow to cover damage costs from blocked drains or malfunctioning sump pumps., Special computer coverage that covers a wider range of damage to computers and smart devices., Identity fraud expense for credit monitoring and expenses associated with restoring a stolen identity., Home business coverage for equipment and liability issues that occur when operating a business from your home.
  • NAIC Complaints
    Significantly less than anticipated
  • Pros
    Exceptionally high customer satisfaction scores and minimal consumer complaints., The Platinum Choice package provides additional coverage., Effortless online claims filing and monitoring.
  • Standar Coverage
    Dwelling. Covers the costs to repair or rebuild your home's structure., Other structures. Provides coverage for damage to detached structures like sheds or fences., Personal property. Covers repair or replacement costs for personal items such as furniture or clothing., Loss of use. Pays for expenses like hotel stays, meals, etc., if you have to live elsewhere during covered home repairs., Personal liability. Covers legal fees and damages if you're held responsible for injuries to other people or damage to their property., Medical payments. Covers injuries sustained by guests in your home, irrespective of who is at fault.
  • Stands Out
    Customer contentment. Amica scored above average in J.D. Power’s 2024 home insurance study for customer satisfaction. It also receives very few consumer complaints considering its size., Dividend policies in certain states. Few insurance companies offer the opportunity to earn dividend payments on your policy.
  • State Availability
    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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