{"id":323547,"date":"2025-11-10T14:45:00","date_gmt":"2025-11-10T19:45:00","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=119843"},"modified":"2025-11-10T14:45:01","modified_gmt":"2025-11-10T19:45:01","slug":"amica-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/","title":{"rendered":"Amica Home Insurance Review"},"content":{"rendered":"\n\n\n<p>With more than a century of experience protecting homes, Amica Homeowners Insurance remains a top contender for many shoppers. Strong third-party ratings \u2014 including an A.M. Best Financial Strength Rating of A+ (Superior) with a Stable outlook (<a href=\"https:\/\/www.amica.com\">Amica<\/a>; <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">A.M. Best<\/a>) \u2014 flexible coverage options, optional money-back dividend policies, and consistently well-rated service and claims support are key reasons Amica stands out. Amica also offers modern digital tools for online\/mobile claims filing and policy\/billing self-service (<a href=\"https:\/\/www.amica.com\">Claims Center<\/a>, <a href=\"https:\/\/www.amica.com\">Mobile App<\/a>).<\/p>\n\n\n\n<p>If you&#8217;re shopping for insurance for your home or condo, a deeper dive into the Amica Homeowners Insurance review should help you see if the company is the right fit for your needs.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Amica Overview\"><\/span>\n    \n\n\n<section id=\"block_5f8daf8863a5e\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Amica Home Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1907<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power Score:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">853\/1,000<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                A.M. Best Financial Strength Rating:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A+<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served (availability):\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">48<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Amica doesn\u2019t advertise much and earns many of its customers by word-of-mouth. On <a href=\"https:\/\/today.yougov.com\/ratings\/finance\/popularity\/insurance-brands\/all\">Yougov.com\u2019s list of most popular insurance brands<\/a>, it may not top visibility charts, but that doesn\u2019t mean you should overlook it. Organizations that assess financial strength, such as A.M. Best \u2014 which assigns Amica an A+ (Superior) rating with a Stable outlook (<a href=\"https:\/\/www.amica.com\">source<\/a>; <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">definitions<\/a>) \u2014 rate it highly. Recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power home insurance<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">property claims<\/a> studies also underscore the importance of clear communication, digital tools, and strong claims handling among top performers.<\/p>\n\n\n\n<section id=\"block_5f8dafdf63a63\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Great customer service<\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Financially sound<\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Good range of discounts and endorsements<\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Money-back home dividend policy<\/span>\n\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Basic website<\/span>\n\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item \">\n                <span class=\"b-pro-cons__list-item-title\">Higher-than-average premiums<\/span>\n\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Amica Highlights\"><\/span>\n    \n\n                \n<section id=\"block_5f8db02f63a69\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Amica Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Deals, discounts, and add-ons <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Based on 2021 data from Bankrate.com, the average cost of Amica\u2019s home insurance is $2,644 per year for $250,000 in dwelling coverage. This is quite a bit higher than the national average cost of home insurance, which is $1,312 per year. Your own quote will depend on multiple factors, from where you\u2019re located to the year the house was built or even how close you are to a fire hydrant.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Amica offers most types of policies including the industry standard HO-3, which will offer <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/what-is-hazard-insurance\/\"><span style=\"font-weight: 400;\">dwelling<\/span><\/a><span style=\"font-weight: 400;\">, other structure, personal property, loss of use and <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-personal-liability\/\"><span style=\"font-weight: 400;\">personal liability<\/span><\/a><span style=\"font-weight: 400;\"> coverages.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0If you\u2019re interested in particularly comprehensive coverage, take a look at Amica\u2019s Platinum Choice Home, which acts as an umbrella policy and includes add-ons like <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/water-damage\/\"><span style=\"font-weight: 400;\">water backup\/sump overflow<\/span><\/a><span style=\"font-weight: 400;\"> and computer coverage, among others.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Here\u2019s where Amica excels. J.D. Powers awarded it their second highest ranking in 2020 with 853 out of 1,000 points for overall customer satisfaction.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Better Business Bureau gives Amica an A+ ranking and the National Association of Insurance Commissioners (NAIC) records a company complaint index of only .22 for Amica for 2018, well below the national average.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Deals, discounts, and add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Amica offers fairly standard endorsements<\/span><span style=\"font-weight: 400;\"> such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dwelling replacement coverage, which provides an additional 30% payment if costs run higher than your limit on your repair or rebuild after a covered loss.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal property replacement coverage that will kick in to pay the full price of repairs or replacement even if the covered loss while you were traveling.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Valuable items coverage for jewelry, art, furs or other high ticket items that may be worth more than the standard limit for personal property coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Catastrophic coverage, to protect you in the event of an earthquake or flood, which are not included in standard policies.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Identity fraud expenses coverage which will provide personal help to restore your identity and reimburse you for unauthorized charges to your credit card.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home business coverage that offers protection for office equipment, like computers and desks, but also a higher liability limit in case you receive clients at home.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can drive your premium down by taking advantage of a policy discount. Once again, Amica\u2019s offerings are similar to those offered by other companies, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty discount if you\u2019ve been with them for at least two years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claim free discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">E-discount if you sign up to receive information and bill electronically<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-line if you also purchase auto, life, or another form of insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Auto-pay discount<\/span><\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>AM Best Financial Strength Rating<\/strong><\/td><td><strong>J.D. Power Score**<\/strong><\/td><td><strong>NAIC Complaint Index<\/strong><\/td><\/tr><tr><td><strong>Amica<\/strong><\/td><td>A+<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">See latest<\/a><\/td><td><a href=\"https:\/\/eapps.naic.org\">View in NAIC CIS (by line)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><strong>State Farm<\/strong><\/a><\/td><td>A++<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">See latest<\/a><\/td><td><a href=\"https:\/\/eapps.naic.org\">View in NAIC CIS (by line)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\"><strong>Geico<\/strong><\/a><\/td><td>A++<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">See latest<\/a><\/td><td><a href=\"https:\/\/eapps.naic.org\">View in NAIC CIS (by line)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\"><strong>Progressive<\/strong><\/a><\/td><td>A+<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">See latest<\/a><\/td><td><a href=\"https:\/\/eapps.naic.org\">View in NAIC CIS (by line)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><strong>Allstate<\/strong><\/a><\/td><td>A+<\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">See latest<\/a><\/td><td><a href=\"https:\/\/eapps.naic.org\">View in NAIC CIS (by line)<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Information verified against the latest available sources as of 2025; see linked A.M. Best, J.D. Power, and NAIC pages for updates.<\/em><\/p>\n\n\n\n<p><em>**Based on a 1,000-point scale<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Amica vs. State Farm<\/h2>\n\n\n\n<p>When you look at third-party metrics, both carriers are exceptionally strong. Amica holds an A.M. Best Financial Strength Rating of A+ (Superior) and State Farm holds A++ (Superior) (<a href=\"https:\/\/www.amica.com\">Amica<\/a>; <a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/company-profile\/financial-information\/ratings\">State Farm<\/a>). The latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> continues to show high satisfaction among top brands, with ranks and scores varying by year and segment. With discounts, both companies offer broadly similar options. If you want stronger third-party financial metrics at the absolute top tier, State Farm\u2019s A++ has a slight edge; if you want a highly rated direct writer known for service, try Amica.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Amica vs. Geico<\/h2>\n\n\n\n<p>Much like State Farm, Geico is another well-known and major player in the insurance game. The main difference between Amica and Geico is that the latter provides homeowners insurance through a network of third-party providers, while Amica underwrites and services its own policies \u2014 which can translate to a more consistent customer experience and menu of add-ons. Both carry strong A.M. Best financial strength (Amica A+; GEICO A++) (<a href=\"https:\/\/www.amica.com\">Amica<\/a>; <a href=\"https:\/\/www.geico.com\">GEICO<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom-line\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>If you\u2019re looking for a top-rated company that will give you efficient service with a fair pay-out for your claims, Amica is worth exploring. Backed by an A.M. Best A+ (Superior) rating and a service-forward, direct model, Amica pairs flexible coverage with strong support. Its web and mobile tools let you quote, file and track claims, and manage billing paperlessly (<a href=\"https:\/\/www.amica.com\">Claims Center<\/a>; <a href=\"https:\/\/www.amica.com\">Mobile App<\/a>). Although the online quote tool can give you a general idea of what you\u2019ll pay, we recommend that you talk to a representative early in your fact-gathering process to see if Amica is the right company for you.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Amica Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_5f8db10a63a6f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does Amica home insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Amica also offers insurance for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renters and condo owners<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Boat<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Motorcycle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Umbrella coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Wedding and event insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Small business insurance <\/span><\/li>\n<\/ul>\n<p>The company offers a discount of up to 15% if you bundle several types of insurance\u2014such as home and auto.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8db12a63a70\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The exact <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\"><span style=\"font-weight: 400;\">amount of home insurance you&#8217;re going to need<\/span><\/a><span style=\"font-weight: 400;\"> depends heavily on your unique needs. Homeowners insurance policies vary greatly based on things like where you live, what risks are in your area, the type of home you have, the value of your home, and how well you&#8217;re financially prepared for certain unexpected circumstances.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8db13863a71\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Amica home insurance coverage available?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Amica sells home insurance in all states except Alaska and Hawaii.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f8db14663a72\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Amica home insurance typically cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Amica home insurance is generally going to cover dwelling, your belongings, liability, and additional living expenses. Beyond that, you do have plenty of options for customization based on what you need coverage for and what you want to spend.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Amica homeowners insurance based on its customer rating and experience, financial stability, and coverage. To compare it with home insurance companies across the board, we analyzed the following:<\/p>\n\n\n\n<ul><li>Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a> Homeowners Satisfaction studies and related insurance studies.<\/li><li>Coverage: As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li><li>Confidence: It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">A.M. Best\u2019s<\/a> ratings, which specializes in assessing the financial strength of insurance companies.<\/li><li>Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source (CIS)<\/a> National Complaint Index (median = 1.00).<\/li><\/ul>\n\n\n\n<p>Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With more than a century of experience protecting homes, Amica Homeowners Insurance remains a top contender for many shoppers. Strong third-party ratings \u2014 including an A.M. Best Financial Strength Rating of A+ (Superior) with a Stable outlook (Amica; A.M. Best) \u2014 flexible coverage options, optional money-back dividend policies, and consistently well-rated service and claims support [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355654,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Amica Home Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"With plenty of discounts, coverage options, and excellent financial strength, Amica is one of the top home insurance companies around.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\" \/>\n<meta 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