- 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?
- Methodology
Our thoughts on Amica
Amica placed first overall in our ranking of the Best Home Insurance Companies of 2026. It has the cheapest rates of the ranked companies and an excellent score for claims handling.
With a superior AM Best rating of A+, Amica is rated highly for financial stability. It also boasts the lowest complaint ratio with the National Association of Insurance Commissioners (NAIC) of all national companies. 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 | - |
| Alaska | - |
| Arizona | - |
| Arkansas | - |
| California | - |
| Colorado | - |
| Connecticut | $1,577 |
| Delaware | - |
| Florida | - |
| Georgia | - |
| Idaho | - |
| Illinois | - |
| Indiana | - |
| Iowa | - |
| Kansas | - |
| Kentucky | - |
| Louisiana | - |
| Maine | - |
| Maryland | - |
| Massachusetts | $1,741 |
| Michigan | - |
| Minnesota | - |
| Mississippi | - |
| Missouri | - |
| Montana | - |
| Nebraska | - |
| Nevada | - |
| New Hampshire | $815 |
| New Jersey | - |
| New Mexico | - |
| New York | - |
| North Carolina | - |
| North Dakota | - |
| Ohio | - |
| Oklahoma | - |
| Oregon | - |
| Pennsylvania | - |
| Rhode Island | $1,728 |
| 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 among the carriers we surveyed, averaging $1,510 a year for our benchmark policy ($300,000 dwelling and liability with a $1,000 deductible). The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $1,107 |
| $200,000 dwelling, $300,000 Liability | $1,123 |
| $300,000 dwelling, $100,000 Liability | $1,494 |
| $300,000 dwelling, $300,000 Liability | $1,510 |
| $400,000 dwelling, $100,000 Liability | $1,785 |
| $400,000 dwelling, $300,000 Liability | $1,803 |
| $600,000 dwelling, $100,000 Liability | $2,383 |
| $600,000 dwelling, $300,000 Liability | $2,401 |
| $1,000,000 dwelling, $100,000 Liability | $3,270 |
| $1,000,000 dwelling, $300,000 Liability | $3,296 |
Amica home insurance discounts
Only 59% of customers surveyed said they were satisfied with Amcia’s discounts. However, most insurers surveyed didn’t perform very well in the category. Auto Club Enterprises (AAA SoCal) received the highest score of 75%.
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 discount | Average rate after discount | % discount |
|---|---|---|---|
| Automatic payments | $1,910 | $1,869 | 2% |
| Bundle | $1,910 | $1,714 | 11% |
| Burglar alarm | $1,787 | $1,775 | 1% |
| Fire alarm | $1,787 | $1,768 | 1% |
| Loyalty | $1,816 | $1,744 | 4% |
| New home | $1,910 | $1,124 | 41% |
| Paid in full | $1,910 | $1,764 | 8% |
| Sprinklers | $1,910 | $1,835 | 4% |
| Water safety system | $1,910 | $1,881 | 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.
Our data is limited for Amica surcharges.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Home-based business | $1,910 | $2,028 | 7% |
*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 $1,510 annually. However, it didn’t perform as well in key areas of our survey. Its high rating for claims service and low NAIC complaint ratio helped overcome those lower scores.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Amica | $1,510 | 78% | 78% | 79% |
| Travelers | $2,235 | 84% | 91% | 89% |
| Allstate | $2,049 | 81% | 89% | 88% |
| State Farm | $2,448 | 85% | 92% | 86% |
| Farmers | $2,820 | 84% | 84% | 83% |
| Nationwide | $2,983 | 85% | 85% | 85% |
| Progressive | $4,227 | 76% | 79% | 77% |
| USAA | $2,401 | 91% | 93% | 88% |
*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 with a very low level of complaints and a high score for financial strength. Ranking first in our Best Insurance Companies of 2026 ranking, it’s safe to say that Amica is a good homeowners insurance company.
Do people trust Amica?
Amica scored 81% for trustworthiness. Though a solid score, some insurers scored better.
| Company | Percent of customers who say they trust the company |
|---|---|
| Amica | 81% |
| State Farm | 90% |
| American Family | 87% |
Do people recommend Amica?
If people are happy with their insurance carrier, they’ll recommend it to friends and family. Amica scored lower than average here, with 74% of policyholders surveyed saying they’d recommend it to others. Allstate had the highest score in this category among national insurers at 89%.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Amica | 74% |
| Progressive | 82% |
| Farmers | 88% |
Do people plan to renew with Amica?
A somewhat low 83% of Amica’s customers plan to renew. Auto Club Enterprises (AAA SoCal) led the pack in this category, with State Farm following.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Amica | 83% |
| Nationwide | 92% |
| State Farm | 90% |
Is Amica good at paying claims?
Yes. In our survey, it scored 83% satisfaction with claims handling, only one point below the top score. Amica received a J.D. Power score of 745 out of 1,000, which was the second-highest score.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Amica | 83% | 745 |
| Erie | 84% | 705 |
| Auto-Owners | 62% | 719 |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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