- Our thoughts on Amica
- Where can you buy Amica homeowners insurance?
- What does Amica homeowners insurance cover?
- How much is Amica home insurance?
- Amica home insurance discounts
- What makes Amica home insurance rates go up?
- Amica vs. competitors: How does Amica stack up?
- What do people ask about Amica?
- Is Amica a good homeowners insurance company?
Our thoughts on Amica
Amica placed first overall in our ranking of the best home insurance companies of 2025. It has the cheapest rates of the ranked companies and topped several categories in our survey, including customer satisfaction, discounts and auto and home bundling.
With a strong J.D. Power score of 679, above the average of 640, and a superior AM Best rating of A+, Amica is rated highly by third-party rating agencies. These scores indicate that Amica’s policyholders experience high levels of customer satisfaction and that the insurer can meet its financial obligations.
Overall: Amica is a highly-rated home insurer that has topped J.D. Power's rankings for years and is a solid choice.
Where can you buy Amica homeowners insurance?
Amica home insurance is available in all states except Alaska and Hawaii.
| State | Average annual premium |
|---|---|
| Alabama | - |
| Arizona | - |
| Arkansas | - |
| California | - |
| Colorado | - |
| Connecticut | $1,531 |
| Delaware | - |
| Florida | - |
| Georgia | - |
| Idaho | - |
| Illinois | - |
| Indiana | - |
| Iowa | - |
| Kansas | - |
| Kentucky | - |
| Louisiana | - |
| Maine | - |
| Maryland | - |
| Massachusetts | $2,799 |
| Michigan | - |
| Minnesota | - |
| Mississippi | - |
| Missouri | - |
| Montana | - |
| Nebraska | - |
| Nevada | - |
| New Hampshire | $835 |
| New Jersey | - |
| New Mexico | - |
| New York | - |
| North Carolina | - |
| North Dakota | - |
| Ohio | - |
| Oklahoma | - |
| Oregon | - |
| Pennsylvania | - |
| Rhode Island | $1,917 |
| South Carolina | - |
| South Dakota | - |
| Tennessee | - |
| Texas | - |
| Utah | - |
| Vermont | - |
| Virginia | - |
| Washington | - |
| Washington D.C. | - |
| West Virginia | - |
| Wisconsin | - |
| Wyoming | - |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Amica homeowners insurance cover?
Amica’s standard home insurance coverage includes:
- Your home (dwelling coverage)
- Other structures on your property, such as a shed or detached garage (other structures)
- The contents of your home (personal property)
- Temporary housing and additional expenses if you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages if you are responsible for injuries or damage to someone else (personal liability and medical payments)
You can also add additional coverage to the standard policy:
- An additional 30% of dwelling replacement coverage
- Personal property replacement coverage that fully replaces your personal property if damages are due to a covered loss
- Coverage for water backup or sump pump overflow
- Coverage for technological devices such as computers and smart devices
Amica also offers a Platinum Choice policy that offers more supplemental coverage.
How much is Amica home insurance?
Amica has the lowest premiums of the carriers we surveyed. The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level | Average annual rate |
|---|---|
| $200,000 with $1,000 deductible and $100,000 liability | $1,473 |
| $200,000 with $1,000 deductible and $300,000 liability | $1,491 |
| $300,000 with $1,000 deductible and $100,000 liability | $1,982 |
| $300,000 with $1,000 deductible and $300,000 liability | $2,000 |
| $400,000 with $1,000 deductible and $100,000 liability | $2,423 |
| $400,000 with $1,000 deductible and $300,000 liability | $2,441 |
| $600,000 with $1,000 deductible and $100,000 liability | $3,313 |
| $600,000 with $1,000 deductible and $300,000 liability | $3,331 |
| $1,00,000 with $1,000 deductible and $100,000 liability | $5,097 |
| $1,00,000 with $1,000 deductible and $300,000 liability | $5,117 |
Amica home insurance discounts
Only 36% of customers surveyed said they would choose discounts as one of Amica’s top three attributes. However, most insurers surveyed didn’t perform very well in the category. American Family received the highest score of 54%.
The chart below shows some of the available discounts and how each discount affects pricing. The biggest discount offered is for new homes.
| Discount type | Average rate before | Average rate after | % discount |
|---|---|---|---|
| New Home | $2,000 | $1,345 | 33% |
| Insurance Score Alignment | $2,000 | $1,617 | 19% |
| Bundle | $2,000 | $1,592 | 18% |
| All Perils Deductible | $2,000 | $1,703 | 15% |
| Upgrades | $2,000 | $1,738 | 13% |
| Loyalty | $2,000 | $1,830 | 9% |
| Construction type | $2,000 | $1,889 | 6% |
| Age of home | $2,000 | $1,898 | 5% |
| Sprinklers | $2,000 | $1,898 | 5% |
| Separate Wind-Hail Deductible | $2,000 | $1,937 | 3% |
| Storm Shutter | $2,000 | $1,946 | 3% |
| Automatic payments | $2,000 | $1,960 | 2% |
| Water Safety System | $2,000 | $1,961 | 2% |
| Fire Alarm | $2,000 | $1,974 | 1% |
| Burglar Alarm | $2,000 | $1,991 | >1% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What makes Amica home insurance rates go up?
Just like a newer home or a good insurance score can result in a premium discount, an older home or a lower insurance score can cause your rates to go up. Additionally, most insurance companies raise your rates after you file a claim.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Age of home | $2,000 | $2,019 | 1% |
| All Perils Deductible | $2,000 | $2,117 | 6% |
| Claims | $2,000 | $2,840 | 42% |
| Distance From Coast | $2,000 | $2,302 | 15% |
| Home-Based Business | $2,000 | $2,180 | 9% |
| Insurance Score Alignment | $2,000 | $2,750 | 37% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
Amica vs. competitors: How does Amica stack up?
Amica has the cheapest rates, at $2,000 annually. Ninety-six percent of customers were satisfied with the overall customer experience.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Amica | $2,000 | 96% | 89% | 85% |
| State Farm | $2,169 | 90% | 89% | 84% |
| American Family | $2,504 | 86% | 83% | 81% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What do people ask about Amica?
People have many questions about insurance coverage, and Amica is no different. Here are some of the common questions about Amica home insurance.
Is there a grace period for Amica insurance?
Yes. The Amica grace period for home insurance payments is 30 days after the bill due date, according to the company website.
Why did my Amica homeowners insurance go up?
Home insurance rates are increasing nationwide due to inflation and weather — and Amica is no exception. Rates may also increase due to personal factors.
Is Amica a good homeowners insurance company?
Amica is a reputable company, receiving strong scores for customer satisfaction and financial strength. Ranking first in our Best Insurance Companies of 2025 ranking, it's safe to say that Amica is a good homeowners insurance company.
Do people trust Amica?
Amica scored 82% for trustworthiness. Though a solid score, some insurers scored better.
| Company | Percent of customers who say they trust the company |
|---|---|
| Amica | 82% |
| State Farm | 90% |
| American Family | 81% |
Do people recommend Amica?
If people are happy with their insurance carrier, they’ll recommend it to friends and family. Amica scored well in this category, with 85% of policyholders surveyed saying they’d recommend it to others. While Amica received a high score, a few insurers scored better.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Amica | 85% |
| Progressive | 89% |
| Farmers | 83% |
Do people plan to renew with Amica?
Almost all of Amica's customers plan to renew. Safeco led the pack in this category, with State Farm following.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Amica | 89% |
| Nationwide | 87% |
| State Farm | 93% |
Is Amica good at paying claims?
J.D. Power is a third-party rating system that rewards points based on several factors, including the ability to pay out claims. Amica received a J.D. Power score of 906 out of 1,000, which was the highest of all the carriers surveyed.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Amica | 96% | 906 |
| Erie | 100% | 888 |
| Auto-Owners | 76% | 869 |
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