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Amica Home Insurance Review

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Amica is the longest-standing mutual insurer of automobiles in the U.S. A direct writer, Amica also offers home, life, marine and umbrella insurance, as well as annuities. Founded on the principles of outstanding service, Amica creates peace of mind and builds enduring relationships with its customers. That mission is shared and supported by thousands of employees across the country.
 
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How is Amica rated?

Breakdown

4.8/5
Coverage Options
4.8/5
Pricing and Discounts
4.8/5
Customer Service
4.5/5
Financial Strength
4.8/5
Add-On Coverages

Overall Rating: 4.7 / 5 (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 its excellent customer service and competitive 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.

Financial Strength

Financial Strength - 4.5 / 5

As home insurance carriers go, Amica doesn't have quite the market share as other larger companies, but they are excellently rated by AM Best. Unlike most of the other entities we review, Amica carries no rating with S&P or Moody's.
Underwriter
Amica Mutual Insurance Company
Marketshare
0.85%
Premiums Written
$777,210,365
AM Best Financial Rating
A+
*The above information reflects the financial strength of the underwriter of the Amica home insurance policies: Amica Mutual Insurance Company.

Customer Experience

Customer Service - 4.8 / 5

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
0.25
NAIC Total Complaints
19
*The NAIC complaint ratio (in this case 0.25) is a ratio of the number of complaints a company received to the 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
A+
Number of BBB Positive Reviews
12
Number of BBB Neutral Reviews
2
Number of BBB Negative Reviews
39
Date Collected
2017-11-02

Amica Coverage

Coverage Options - 4.8 / 5

Amica also shines 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
Personal Property Coverage
Enhanced Dwelling Protection

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

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/Remodeled Home
  • Roof Condition Discount
  • Home Safety Features

Policy Discounts

  • Multiline
  • AutoPay
  • Paperless
  • Customer Loyalty
  • Claim-Free

Contact & Additional Information

Homepage URL
https://www.amica.com/en.html
Company Phone
(800) 242-6422
Headquarters Address
100 Amica Way, Lincoln, RI, 02865
Year Founded
1907

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Customer Comments & Reviews

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Lauren C
12/12/2018
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that.... Read More

L
lsdewolf
12/20/2016
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

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