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Amica Homeowners Insurance Review 2025 – Why This Top-Rated Insurer Might Be Right for You
July 1, 2025

Amica is a mutual insurer offering top-rated homeowners insurance with a focus on customer service and comprehensive coverage. Founded in 1907, Amica Mutual Insurance has grown from a small auto insurer to one of the leading home insurance providers in the U.S., operating in 48 states and Washington, D.C. The company consistently earns industry accolades – for example, Amica was ranked the #1 home insurance company in 2025 by an Insurance.com study, scoring 4.73 out of 5 and offering the cheapest average rates among top carriers.
Coverage and Policy Options
Amica offers a standard homeowners insurance policy (HO-3) that includes all the essential protections most homeowners need. Its base policy covers:
- Dwelling coverage: Pays to repair or rebuild your home after covered disasters
- Other structures: Covers detached structures like a garage or shed
- Personal property: Protects your belongings (furniture, electronics, etc.) from covered losses
- Loss of use: Covers additional living expenses if you can’t live in your home due to a covered event
- Liability and medical payments: Protects you if someone is injured on your property or you accidentally cause damage to others’ property
In addition to standard coverage, Amica lets homeowners customize with add-ons for extra protection. You can opt for a Platinum Choice package or specific riders to enhance your policy. Available optional coverages include: higher dwelling replacement cost (adding ~30% extra coverage), replacement cost coverage for personal belongings (so items are replaced at current value), water backup protection for sewer or sump pump overflows, special computer and electronics coverage, identity theft protection, flood insurance, umbrella liability coverage, and more.
If you have high-value items like jewelry or collectibles, Amica also offers scheduled personal property coverage for those valuables. This flexibility allows you to tailor the policy to your needs, ensuring you’re not paying for coverage you don’t need while filling any critical gaps. One unique feature with Amica is its dividend policy option. In certain states, you can choose a dividend homeowners policy that returns a portion of your premium to you each year. Policyholders can receive anywhere from about 5% up to 20% of their annual premium back as a dividend, depending on Amica’s financial performance. This is a rare perk – essentially sharing the company’s profits with customers – and it reflects Amica’s mutual insurer model (Amica is owned by its policyholders).
Rates and Discounts
One of Amica’s biggest advantages is its affordable rates relative to competitors. According to industry data, Amica has some of the lowest average premiums for home insurance in the nation. In fact, U.S. News reports that Amica offers the cheapest homeowners insurance premiums among top companies, with an average around $146 per month (about $1,755 per year) – roughly 8% lower than the national average cost.
Another analysis found Amica’s average annual rate to be about $2,000, which is well below what big insurers like Progressive or State Farm charge for comparable coverage. These competitive prices are partly due to Amica’s direct-to-consumer model (they don’t use outside agents, which helps keep overhead low).
Beyond reasonable base rates, Amica provides many discounts that can further reduce your premium. Homeowners may qualify for savings if they:
- Bundle policies: Up to 30% off for combining home with auto, life, or umbrella insurance
- Stay claim-free: Discount for having no recent claims (typically 3+ years)
- Use AutoPay or pay in full: Save by enrolling in automatic payments or paying the year’s premium upfront
- Go paperless: Receive an e-discount for opting into electronic bills and policy documents
- Remain loyal: Long-term customers (e.g. 2+ years with Amica) earn loyalty discounts
- Improve home safety: Discounts for protective devices like burglar alarms, fire/smoke alarms, sprinkler systems, or water leak detection
- Insure a new or remodeled home: New construction or recently renovated homes may qualify for credits
These are just some of the savings opportunities – Amica’s mix of discounts is considered above-average and relatively easy to obtain for many policyholders. For example, installing smart home devices or security systems can not only protect your home but also lower your Amica premium in many states. While Amica’s rates are generally low, keep in mind your actual premium will depend on factors like your home’s location, age, construction, coverage limits, and claims history.
In recent years homeowners nationwide have seen insurance costs rise due to inflation and severe weather trends, and Amica is not immune to those market forces. However, many Amica customers feel the company’s value justifies the price, given the high-quality coverage and service provided. If you’re price-shopping, be sure to take advantage of Amica’s quote tools (online or by phone) to see what discounts you qualify for and to customize a policy that fits your budget.
Customer Satisfaction and Ratings
Amica enjoys a sterling reputation for customer satisfaction. Year after year, Amica earns top marks in J.D. Power’s home insurance studies, reflecting policyholders’ happiness with claims handling and overall service quality. In one 2024 J.D. Power survey, Amica ranked above average for homeowner claims satisfaction, outpacing most competitors in handling claims fairly and efficiently. Likewise, Consumer Reports and other customer surveys consistently put Amica at or near the top of the rankings for home insurance experience.
Multiple industry reviewers also rate Amica as a leader. NerdWallet awards Amica home insurance a 5 out of 5 star rating, citing its low complaint levels and great customer service. U.S. News & World Report’s 2025 review gives Amica an excellent 4.8/5 score, placing it No. 2 on their list of best homeowners insurers (just behind USAA, which is only available to military families). In that study, Amica was highlighted not only for customer satisfaction but also for value – combining strong coverage with some of the lowest premiums in the market.
Pros and Cons
Overall, the advantages of Amica homeowners insurance include its high customer satisfaction, dividend policy option, broad coverage choices, and generous discount offerings. Customers frequently praise Amica’s handling of claims and responsive support team. The main drawbacks to note are that Amica is not available in Alaska or Hawaii, and you’ll have to finalize purchases through an Amica representative (you can start a quote online, but completing a new policy requires a phone call).
Some specialized coverage types (such as certain niche or high-risk home policies) might not be offered by Amica, so if you have very unique insurance needs, you may need to look at a specialty insurer. Additionally, while many find Amica’s prices affordable, in a few cases quotes can come in higher than mass-market insurers – but often this is offset by Amica’s dividends or the company’s reputation for fair claim payouts.
In terms of financial strength, Amica is rock-solid. It holds an A+ (Superior) rating from AM Best for its ability to pay claims. This means you can trust Amica to have the funds available if disaster strikes. The company’s longevity and mutual ownership model have helped it build a dependable, customer-first business over more than a century.
FAQ
Is Amica homeowners insurance a good choice?
Yes, Amica is widely considered an excellent homeowners insurance provider. It ranks at or near the top in industry evaluations – for instance, Amica earned the #1 spot nationally in Insure.com’s 2025 rankings and a 4.73/5 overall score based on rates, customer surveys, and third-party ratings. With its strong financial stability and award-winning customer service, Amica is a good choice for homeowners seeking reliable coverage.
Does Amica offer competitive home insurance rates?
Yes, Amica’s rates are very competitive. On average, Amica’s homeowners insurance premiums are below the national average – roughly $1,700–$1,800 per year for a typical home, which is about 8–34% cheaper than many major insurers. Individual quotes vary, but Amica often ends up one of the more affordable options, especially after factoring in its numerous discounts.
Do Amica homeowners policies pay dividends to customers?
Yes, in certain states Amica offers dividend policies for home insurance. With a dividend policy, the company returns a portion of your annual premium to you each year. You can receive up to 5%–20% of your premium back as a cash dividend, depending on Amica’s profits and performance that year. This unique feature effectively rewards policyholders when the company does well. (Dividend policies aren’t available in all states, so check availability with Amica when getting a quote.)
Is Amica home insurance available everywhere in the U.S.?
No, Amica homeowners insurance is not available in Alaska or Hawaii. It is offered in 48 states and Washington, D.C., which means almost nationwide coverage. If you live in one of the two excluded states, you’ll need to choose a different insurer. Availability can change, so it’s wise to verify with Amica if they have expanded into your area.
How can I get a quote or file a claim with Amica?
Getting a quote is easy – you can start the process on Amica’s website by entering your ZIP code and home details, then an Amica representative will finalize the quote with you by phone. You can also call Amica directly at their hotline to quote or purchase a policy. For claims, Yes, Amica allows online and mobile app claim filing. You can log into the Amica Claims Portal or use their app to report a claim and upload documentation. Many customers appreciate the simple online claims tracking and the support Amica’s adjusters provide through the process.
Conclusion
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Amica stands out as a top-tier homeowners insurance company in 2025, delivering a rare combination of quality coverage, high customer satisfaction, and competitive pricing. If you value responsive service and the possibility of getting money back through dividends, Amica is definitely worth a look. The coverage can be tailored to your needs, and most customers report smooth claims experiences – giving you peace of mind that your home is in good hands.
When comparing home insurance providers, it’s smart to shop around and consider not just price but also service and policy features. Kudos can help make this process easier by instantly comparing quotes and uncovering hidden perks from multiple insurers, including Amica. By doing your homework and leveraging tools like Kudos, you can confidently choose the homeowners insurance that offers you the best protection and value for your situation.
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