Amica Home Insurance Review

Rating: 9.4 / 10 (Excellent)
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How is Amica rated?
Company Reputation
Customer Experience
Online Presence
Customer Service

Amica is a company that specializes in providing marine, auto, umbrella, life, and home insurance with 24/7 service to customers nationwide. The company offers home insurance that is designed to meet the specific needs of individual homeowners. It offers a wide range of home insurance policies that covers additional living expenses, temporary repairs, loss or damage to client’s home. Amica also allows clients to combine home insurance policies with their auto policy for more discounts.

Home Insurance Products Offered

  • Renters
  • Condo
  • Homeowners
  • Flood
  • Platinum Choice Home
  • Identity Fraud Expense Coverage
  • Home Business
  • Home Repair Assistance
  • Umbrella


  • Coverage for unforeseen events (fire, theft, vandalism, smoke, etc.)
  • Credit card loss
  • Temporary repairs to prevents further damage to customer’s home after loss
  • Coverage for increase in living expenses
  • Other structures like shed or detached garage
  • Liability coverage for protection that includes legal representation cost

Supplemental Protection

  • Personal property replacement coverage
  • Scheduled personal property coverage
  • Catastrophic coverage
  • Automatic dwelling coverage

Better Business Bureaus (BBB Ratings)



  • Higher deductibles of up to $25,000 ($10,000 for tenants)
  • Multi-line discount
  • Automatic detection devices
  • Alarm system
  • New or remodeled home credit
  • Claim-free
  • E-discount
  • Loyalty
  • Automatic payment plan

Platinum Choice Home

  • Replacement cost (personal property)
  • Water backup and sump overflow of up to $5,000
  • Computer coverage
  • Credit card coverage
  • Additional dwelling coverage
  • All risks of physical loss except those that are specifically excluded (dwelling and personal property)
  • Lock replacement

Home Repair Assistance Program Benefits

  • Issue resolution process
  • Limited workmanship warranty
  • Timely contact and inspection
  • Hassle-free claims process
  • Prequalified contractors

Financial Ratings

Amica enjoys good financial ratings which makes is a trusted and solid insurance company. It has been accredited by both BBB and A.M. Best with a rating of A+ and A++.

Bottom Line

Amica with its wide range of home insurance products makes it ideal for homeowners searching for policies that can be suited to their specific needs. Their platinum home choice and home repair assistance programs offer a myriad of coverage and benefit options that makes its home insurance offer extra value for money.




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Warwick, 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