Amica Home Insurance Review

Rating: 9.4 / 10 (Excellent)
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Founded in 1907 and headquartered in Rhode Island, Amica Mutual Insurance Company primarily provides homeowners and auto insurance to customers in the United States. The company also offers marine, motorcycle, umbrella, small business, life, retirement condo, renters, event insurance products. Amica features award winning 24/7 personal service and has an A+ grade with the BBB.

How is Amica rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 9.4 / 10 (Excellent)

Amica may not have the name recognition of a State Farm or Liberty Mutual, but the company has made a big splash because of it's excellent customer service and low prices, particularly for homeowners insurance. Customers consistently give the company high marks for its attentiveness to their needs and flexibility. Amica is rewarded by a loyal client base that continues to grow.

Financial Strength

Financial Strength - 9 / 10

As home insurance carriers go, Amica doesn't have quite the marketshare as the above mentioned companies, but they are excellently rated by A.M. Best. Unlike most of the other entities we review, Amica carries no rating with S&P or Moody's.
Amica Mutual Insurance Company
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Amica home insurance policies: Amica Mutual Insurance Company.

Customer Experience

Customer Experience - 9.5 / 10

Amica's reputation for customer service is second to none. The company holds an A+ with the BBB and has endeavored to respond personally to every negative review. What's more Amica has well below the national average of NAIC complaints. Customers routinely single out Amica's billing process, policy information, interaction, policy offerings, and price factors for particular praise.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.25) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Amica Coverage

Coverage - 9.5 / 10

Amica also shins when it comes to coverage options. In addition to all the standard and additional options you'd expect, the company also offers add on coverage like credit card loss, scheduled personal property -- specific coverage for valuables such as furs, jewelry, and fine art, broad protection for incidental damage beyond fire and theft, and catastrophic earthquake and flood coverage.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage
Additional Coverage
Enhanced Dwelling Protection
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 9.5 / 10

As with customer service, Amica clients also praise the company for keeping prices down. Amica is consistently cited across multiple platforms as well. When it comes to discounts, Amica offers many policy-level options but is quite limited when it comes to home-level offerings.

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Customer Loyalty
  • Automatic Payment
  • Online Billing
  • Claim-Free

Contact & Additional Information

Homepage URL
Company Phone
(800) 242-6422
Headquarters Address
100 Amica Way, Lincoln, RI, 02865
Year Founded

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Customer Comments & Reviews

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Providence, Rhode Island
I received a quote in September from Amica with all the normal questions and being a single parent buying my first home I answered all questions to the best of my abilities. Received a good quote and went forward with the insurance. Had a inspection as I have owned the home for 11 years and have not had any MAJOR ISSUES with anything structural. The inspection showed that i needed a partial roof replacement. I was told that due to the roof damage they were dropping my insurance stating that i had lied when asked about my roof. OK No.1 - i do not go up on my roof, #2 - there is NO LEAKS in my attic to refleck the damage on the roof . I called and customer service was not... Read More

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!