About Amica Homeowners Insurance

Amica’s home insurance policies include these standard coverage types. If you aren’t seeing the coverage that fits your needs, check out Forbes Advisor’s list of best home insurance.

  • Dwelling coverage pays to repair or replace your house and attached structures (such as a porch or deck).
  • Other structures coverage pays to repair or replace structures that aren’t attached to your house, such as a fence or detached garage.
  • Personal property coverage pays if your personal property is damaged or stolen.
  • Liability insurance pays for accidental property damage and injuries to others that you’re legally liable for. It also pays for a legal defense if you’re sued because of an incident that’s covered by your homeowners policy.
  • Loss of use pays for costs, such as hotel bills and restaurant meals, if you can’t live in your home due to a problem covered by your policy (such as a fire). This coverage is also called additional living expenses.

Additional Amica Home Insurance Options

Amica offers several optional, add-on coverage types for home insurance customers:

  • Dwelling extended replacement cost coverage provides an additional 30% to rebuild or repair your house if costs exceed your policy limit. This could happen if there’s a spike in construction and material costs after a disaster strikes your area (such as a wildfire).
  • Personal property replacement coverage pays the full cost to replace your belongings if they are damaged by a problem covered by your policy.
  • Special computer coverage provides broader coverage for smart devices, such as phones, laptops, tablets and smart TVs, from problems like power surges, heat warping and water damage.
  • Water backup/sump overflow covers damage for problems related to sump pump overflow and water backups.

Amica’s Platinum Choice Home Insurance

Amica home insurance customers have the option to purchase a Platinum Choice policy, which bundles together several coverage types. This includes the coverage types listed above, as well as the following:

  • Business property coverage extends your coverage limits up to $5,000 for business property at home and $2,000 for business property away from home (coverage limits vary by state).
  • Valuable items extended coverage has more coverage for stolen and lost personal items, like furs, jewelry and watches.
  • Liability and medical payment coverage increases your liability and medical payments coverage. The increased coverage amount varies by policy and state.
  • Loss assessment plan extends coverage for property at your primary residence that you don’t solely own, such as common areas within a gated community or condo complex.
  • Credit card coverage pays up to $5,000 if your credit cards are stolen and used fraudulently.

Amica Home Insurance Cost Comparison

Amica’s homeowners insurance rates are higher than many top competitors, based on the companies analyzed by Forbes Advisor.

Company Average annual home insurance premium
$1,236
$1,461
$1,518
$1,667
$1,668.00
$1,724
$1,731
$1,836
$1,910
$2,019
$2,055
Amica
$2,260
$2,410
$2,871
National average
$1,854
Source: Quadrant Information Services, based on dwelling coverage of $300,000

More: Best homeowners insurance companies

Home Insurance Complaints Against Amica

Amica has a lower level of home insurance complaints than the industry average and some competitors.

Amica’s Banned Dog List

You may find that you’re not eligible for Amica’s coverage if you own one of these dog breeds: Alaskan malamute, American staffordshire terrier, chow, doberman pinscher, huskie, presa canario, pit bull, Rottweiler, wolf or any dog with a previous biting history.

More: Dog breeds banned by home insurance companies

Amica Home Insurance Discounts

Amica offers several possible discounts for home insurance customers:

  • Alarm system. You may qualify for savings if your home has fire alarms, sprinkler systems or burglar alarms.
  • Automatic detection devices. You could be eligible for a discount if your home is equipped with a water leak or gas leak detection system.
  • Autopay. You get a discount when you pay your premium with automatic deductions.
  • Claims-free. You can qualify for a discount if you haven’t had a claim in the past three years.
  • E-discount. You’ll get a discount when you go paperless and receive your policy information and bills electronically.
  • Loyalty. You get a discount if you’ve been with your insurer for at least two years.
  • Multi-line. You can save up to 30% when you bundle your home insurance with auto, condo, renters, life or an umbrella policy.
  • New/Remodeled home credit. You could get a credit if you insure a new or remodeled home.

Amica Dividend Policies

Amica offers both traditional policies and dividend policies. Both types of policies provide the same coverage, but a dividend policy returns up to 20% of your annual premium in dividends, which you can use toward future premium payments or take as a direct deposit or check.

Dividend policies are more expensive upfront, but may offer savings in the long run, depending on how well the company performs. Amica’s home insurance dividend policies are not available in California, Florida, Missouri or North Carolina.

Other Types of Amica Insurance Policies

Several other types of home-related coverage are sold by Amica, including condo and renters insurance.

For an extra layer of liability coverage, an umbrella insurance policy can be added to an Amica homeowners and/or car insurance policy. An umbrella policy can help pay out if a claim against you exceeds your home or car insurance liability limits.

Amica also sells:

Amica Company History

The Automobile Mutual Insurance Co. of America (Amica) was founded in 1907 and offered car, fire and theft insurance. The company first offered homeowners insurance in 1956. Amica is headquartered in Lincoln, Rhode Island.