Amica Home Insurance Review

Choose a policy that pays out dividends at the end of each year

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Amica home insurance review

Founded in 1907, Amica directly writes insurance policies, including auto, life, and homeowners insurance. It currently has 44 offices across the U.S. and 1.6 million open policies. Known as the United States’ oldest mutual insurer of automobiles, Amica offers opportunities for policyholders to save on their home insurance needs.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Offers dividend policy options

  • Ability to receive quote online

  • A number of ways to receive discounts on premiums

  • Not available in every state

  • Dividend policy not available in every state served

  • Limited coverage endorsement offers

Key Takeaways
  • Amica offers a dividend policy that can pay out from 5% to 25% of your annual premium.
  • The insurer isn’t available in Alaska and Hawaii.
  • You can get an online quote easily.
Company Overview
  • Year Founded 1907
  • Official Website
  • Insurance Offered Auto, condo, homeowners, life, renters, motorcycle, small business, and more.
  • Customer Service 24/7 phone: 800-242-6422; Account access via app or website 24/7

Pros Explained

  • Offers dividend policy options: Amica’s dividend program allows you to invest your policy premium as a dividend. At the end of your policy term, a portion will be refunded to you, which helps you offset the overall amount you pay. 
  • Ability to receive a quote online: Unlike some other competitors, Amica allows you to receive a full quote after filling out an online application form, which only takes a soft credit check that won’t affect your credit score
  • A number of ways to receive discounts on premiums: There are currently eight different ways to lower your premiums. 

Cons Explained

  • Not available in every state: Policies aren’t available to residents of Alaska and Hawaii. 
  • Dividend policy not available in every state served: Residents of California, Florida, Missouri, and North Carolina won’t be able to take advantage of the dividend program. 
  • Limited coverage endorsement offers: Popular ones, such as equipment breakdown and service line coverage, aren’t included. 

Amica Standard Home Insurance Coverage Plan

Amica is the direct writer of its homeowners insurance policies. Its standard coverage includes the following: 

Dwelling Replacement Coverage

This portion of your coverage protects against the physical structure of your home, such as the roof, walls, garage, and sunroom. In the event of damage from causes such as fire, hail, lightning, theft, vandalism, and wind, Amica will repair or replace the affected structure. If the cost to repair or rebuild the home is more than your policy’s coverage limits, Amica will provide an extra 30% above your limit. 

Other Structures Coverage

Detached structures, such as fences, garages, and sheds on your property, are protected from qualifying events or covered losses. 

Personal Property Coverage

Amica provides worldwide coverage in the event of damage or theft of valued items such as furniture and electronics. You’ll be protected for up to the coverage amount you selected. Items may be repaired or replaced completely. 

Personal Liability Protection

Your coverage pays for qualifying medical expenses if a guest is accidentally injured while on or around your property. Medical expenses may include hospital stays, ambulance rides, and surgical procedures. It also includes coverage in case a guest claims damage to their property. 

Loss-of-Use Coverage

If your home is deemed unfit to live in and damaged by a covered loss, Amica will cover additional living expenses, such as storage rental and food bills (if they’re deemed higher than normal), and temporary housing, such as hotel rooms.  

Factors that may influence your rates will vary depending on the insurance company. However, most insurers look at the following:

  • Roof Condition
  • Property Location
  • Previous Insurance Claims
  • Your Home’s Characteristics
  • Home Security Systems
  • Third-Party Injuries (such as dog bites)

Amica Home Insurance Discounts

Amica offers eight different ways to save on your homeowners insurance premium. Though its options are pretty standard compared with other competitors, here’s how you can save:

  • Multiline Discount: You may receive a discount of up to 30% by bundling auto, home, condo, life, and umbrella policies. 
  • Loyalty Discount: Policyholders may receive discounts once they’ve been with Amica for at least two years, with the amount based on loyalty length. 
  • Claim-Free Discount: Those who haven’t had a claim in the past three years are eligible for a discount.  
  • Autopay Discount: Sign up for a policy with Amica and opt into automatic payments to receive a discount.
  • E-Discount: Opt to receive bills and policy information electronically to be eligible for a discount. 
  • Alarm System Discount: A home that has burglar alarms, fire alarms, and/or sprinkler systems will result in a lower premium. 
  • New or Remodeled Home Discount: Home buyers who purchase a policy for a new construction or remodeled home will receive a discount.
  • Automatic Detection Devices Discount: Homes that have a gas leak detection system, temperature monitoring system, and/or a water leak detection system installed receive a discount. 

An additional way to potentially save on your home insurance premiums is to choose a dividend policy. Though the initial premium may be higher, this policy will return a portion of your money back as a dividend payment. Amica claims that payments are 5% to 25% of an annual premium. You can receive your dividend payment via a check in the mail or direct deposit, or you can choose to apply it to your next year’s premium.

Amica Home Insurance Availability

Amica home insurance policies aren’t available in Alaska and Hawaii. Coverage, discounts, payment plans, dividend policies, and other features may not be available in every state in which Amica does business. 

Amica Customer Service

Amica has a 24/7 customer hotline at 800-242-6422, and you can also call the number to file a claim. In addition, you can send a secure message after logging into your account online or via Amica’s mobile app, available in both iOS and Android.  

How to Make a Home Insurance Claim With Amica

The methods to file a home insurance claim include:

  • Calling claims representatives 24/7 at 800-242-6422 
  • Logging into your Amica account online
  • Using Amica’s mobile app

Once you file a claim, you will receive a claim number. You’ll need to supply this number when you communicate about your claim going forward, including when checking on its status and uploading relevant documents. 

Amica Home Insurance Cancellation Policy

You should be able to cancel your Amica homeowners insurance policy at any time. You’ll need to call 800-242-6422 to submit a request. 

Other Insurance Provided by Amica

Amica provides the following insurance coverage in addition to homeowners insurance:

  • Auto Insurance
  • Condo Insurance
  • Flood Insurance
  • Life Insurance
  • Marine Insurance
  • Motorcycle Insurance
  • Renter’s Insurance
  • Retirement Insurance
  • Small Business Insurance
  • Umbrella Insurance
  • Weddings and Events Insurance
  • Pet Insurance

Get an Amica Homeowners Insurance Quote

Head to Amica’s website and fill out the relevant information, including your full name, address, and phone number, to receive an initial online quote. You can also contact a representative by calling 800-242-6422 or head to the customer service section of Amica’s website and choose “Find an Office” to locate a representative. 


Amica is a good fit for those looking for basic coverage and additional protection such as business property and catastrophic coverage. Applicants may be able to find an affordable policy given Amica’s range of discount options. Its dividend policy option offers an additional way to receive money back at the end of the policy—an offering that’s not widely available with competitors. 

However, if you’re looking for more customized options, such as service line coverage, or you reside in a state where Amica isn’t available, you’ll need to look elsewhere. Still, with the potential savings you may receive and additional insurance products provided through Amica, it’s worth taking a look to see what you may be eligible for. 

Compare Other Home Insurance Reviews

While Amica can act as a one-stop shop for your insurance needs, including offering plenty of ways to lower your premium, it may not give you the best quote. To ensure you have the right coverage at the best price, you should shop around with a few homeowners insurance companies


Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of homeowners insurance providers. We reviewed each company’s coverage options, available discounts, customer services, and satisfaction ratings to ensure that our content helps you make the right insurance decision for your needs.