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Amica Homeowners Insurance Review: Best Customer Service


Taína Cuevas10 min read

Dealing with home repairs can be stressful enough, but even more so if your home was damaged by a fire or a storm. In those cases, you need to know that your homeowners insurance company will be there for you, providing stellar customer service and quick claims processing.

For individuals that prioritize service above everything else, Amica is our choice for the best homeowners insurance company for customer satisfaction. Amica was selected by J.D. Power as the top insurer in that category, and that rating is backed by excellent reviews from actual customers.

Amica Homeowners Insurance

Cost Of Amica Insurance Company Home Insurance

The average cost of home insurance in the United States is $1,312 for a policy with a dwelling coverage limit of $250,000, according to 2021 carrier data from Bankrate. Amica says its home insurance policies are comparable to the national average rate, but the cost is largely dependent on state, the policys coverage limits, deductible and the personal profile of the homeowner. NextAdvisor couldnt find an average rate for Amica home insurance.

Cost Of Amica Insurance Company Life Insurance

Life insurance premiums are personalized based on factors like your age, gender, state, and overall level of health. To give you a better sense of Amicas life insurance premiums, we got a sample quote for a 35-year-old female who lives in Rhode Island and is generally healthy, carries no debt, and makes an income of $65,000 per year. For a 20-year term life policy with $100,000 in coverage, Amica quoted about $112 per year.

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Where Amica Stands Out

Low customer complaints. Amica has fewer customer complaints when compared to other companies of its size.

High customer satisfaction ratings. Amica ranked better than most other companies for both auto insurance shopping and auto insurance claims customer satisfaction, ranking #3 and #1 respectively on J.D. Powers 2022 auto insurance studies.

Dividend-paying policies. Amica lets customers choose between a traditional and dividend-paying policy. Although dividend-paying policies cost more upfront than a traditional policy, youll save money over time.

How We Make Money

Amica insurance company

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

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Compensation In Amica Car Accident Cases

The compensation paid out by Amica after an auto accident is typically dependent on the extent of the damages incurred by their policyholder. An individual who was involved in a crash that totaled their car and left them with a severe injury is likely to receive a significantly larger check than someone who got into a fender bender and walked away with a few cuts and scrapes.

Generally speaking, Amica policyholders are eligible to receive compensation for the following damages:

Drivers who need to take their compensation claim to trial may also recover attorney fees, court costs, and similar expenses.

The Attorney Brian White Personal Injury Lawyers legal team has been helping Houstonians recover the compensation they deserve after their car accidents for years. If you would like to have us help you file a claim with Amica, all you need to do is give us a call or contact us online. We would love to meet with you to learn more about your case.

Auto Insurance Discounts Offered By Amica

You wont find many unique discounts offered by Amica that aren’t available with other insurers. However, Amica offers nearly all of what are considered standard discounts.

Highlight Discount: Legacy

Amicas legacy discount allows drivers under the age of 30 who have their own auto policy and vehicle, and whose parents have had an auto policy with Amica for at least five years, to save money. The legacy discount adds to the long list of benefits young drivers have available to them when insured with Amica.

Policy discount

Bundle your auto insurance with another insurance policy offered by Amica.


Go three years without recording a claim .

Multiple auto

Bundle multiple autos on one insurance policy.


Be insured with Amica for two years.

Paid in full

Pay the premium of your entire policy before your first bill is due.

Auto pay

Set up your account to bill you automatically.


Sign up to receive bills and information online rather than through the mail.

Vehicle discounts

Save if your car has a feature that helps you avoid collisions.

Adaptive headlights

Have headlights that adapt to driving in different conditions.

Driver discounts


Sign up to receive policy updates and bills by email.

Safety discounts

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File Paperwork On Your Behalf

As you might expect, filing an auto accident compensation claim with Amica tends to involve quite a lot of paperwork. This is especially true if Amica has any questions about your crash or needs you to provide them with any additional evidence.

Fortunately, when you work with the skilled legal team here at Attorney Brian White Personal Injury Lawyers, you wont need to worry about your cases administrative load. Our attorneys and paralegals have been processing insurance claims for years. We know which documents Amica is likely to ask for, and will ensure that all of it is filled out accurately and filed in a timely manner.

Amica: A Pricey But Dependable Choice For Auto And Home Insurance

Amica Insurance Review

Auto insurance takeaway: Amica’s rates for car insurance are on the high side, with prices far higher than we found at Geico, Progressive or Allstate. But its service is very highly rated by drivers.

Home insurance takeaway: Amica’s home insurance prices are about average, but its claims service is well-rated overall. If something goes wrong, policyholders have the support of Amicas award-winning customer service team.

Budget-friendly companies such as Geico are able to offer rates that are more affordable than Amicas auto insurance rates.

Experts and customers rank Amica as an outstanding insurance company. Amicas customers praise it for having agents who are quick to process claims while maintaining a professional demeanor.

Amicas agents are described as knowledgeable and friendly by current policyholders. The negative reviews cite issues with the companys car insurance rates rather than its agents or service.

Compare Amica to other top auto insurance companies
Read review

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Sales And Customer Service

Auto, home, marine and umbrellaWeekdays: 6 a.m. – 1 a.m. ETWeekends: 7 a.m. – midnight ET

Monday – Thursday: 8 a.m. – 10 p.m. ET Friday: 8 a.m. – 8 p.m. ET Weekends: 9 a.m. – 4:30 p.m. ET

Weekdays: 8 a.m. – 7 p.m. ET Saturdays: 9 a.m. – 4:30 p.m. ET

Auto, home, marine and umbrellaOur representatives are available 24/7.

For technical assistance, call and speak with a representative.

Weekdays: 8 a.m. – 10 p.m. ETWeekends: 10 a.m. – 6 p.m. ET

How To File A Car Accident Claim With Amica Insurance Group

Home » Resources » How to File a Car Accident Insurance Claim » Amica Insurance Group

Amica Insurance Group writes insurance policies for thousands of drivers in Texas, all the while having hundreds of adjusters and appraisers employed that can make your claim a nightmare without an attorney.

Many insurance companies basically take advantage of people who have been injured in a car or truck accident and do not understand they can hire an attorney to help.

Amica Insurance Group is well-versed in beating your claim down, denying claims, and asking tricky questions. It is a well-oiled machine pumping out crappy settlement after crappy settlement to claimants who dont hire an attorney to help them.

Many injured people have found themselves shortchanged or slighted when filing a claim with Amica Insurance Group without an attorney. Most insurance companies use bully tactics to deny, delay, or defend claims being brought by accident victims, and Amica Insurance Group is one of those big, profitable companies.

My law firm has handled numerous injury claims against insured drivers who held Amica insurance policies, both in litigation and pre-suit.

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Amica Home Tools And Benefits

Home insurance policyholders with Amica can access even more services and policy upgrades. For example, those who run their own business out of their home may want to look into Amicas Home Business coverage, which offers coverage for business equipment, like furniture, electronic equipment and supplies, as well as work-related liability for visitors or customers that come into their home.

Homeowners who want the possibility of earning some of their premium back may consider Amicas dividend home insurance policy. While the coverage is the same, the dividend policy may return a portion of the paid premium to the policyholder, with average returns ranging from 5 to 20 percent of the annual premium. This could lower the overall cost of the home insurance policy, but returns are not guaranteed the dividend policy is unavailable in all states and may be more expensive upfront.

Lastly, Amicas Contractor Connection is a useful tool for homeowners who want access to licensed contractors for home renovation and remodeling projects. Amica monitors contractors for metrics such as work quality, estimates and timeliness and requires contractors to back projects with a workmanship warranty for five years.

Amica Auto Insurance Review Highlights

M And S Car Insurance Number / Amica Complaints

Rank Second cheapest quartile among the cheapest major car insurance companies, according to WalletHubs price comparison.

Top Discounts Vehicle safety, safe driving, autopay, paid-in-full, and loyalty discounts.

Basic Coverage Options Bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist.

Supplemental Coverage Options Roadside assistance, full glass coverage, rental reimbursement, and the Platinum Choice Auto® package, which contains all of these supplemental coverage options plus identity monitoring and better rental coverage.

Free Benefits Lock replacement, airbag repair, glass repair, wage reimbursement , bail bonds, and depreciation protection.

To help drivers better understand how much Amica car insurance costs, WalletHubs editors obtained sample Amica auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Amica insurance review.


$43 per month

Amica is one of the more affordable insurance companies youll find, too. The company ranks in the second quartile among the cheapest major car insurance providers in WalletHubs cost comparison.

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How To Make A Home Insurance Claim With Amica

The methods to file a home insurance claim include:

  • Logging into your Amica account online
  • Using Amicas mobile app

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

Loyal Customer For Over 25 Years

I have been with Amica for over 25 years and it will take a catastrophic event for me to leave. The few times I have called to go over my car and home insurance, I have been treated professionally and positively every time. The few incidents where we had to call also always ends with positive results. I have never had a bad experience with anyone on the phone and I love that I can access my policy on demand through their website.

Date of experience:January 11, 2023

Reply from Amica Insurance

Thanks for taking the time to write this amazing review, Barbara, and for your many years of loyalty! Customer service is our top priority, so were thrilled to hear that you feel this way.

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Amica Home Insurance Review Highlights

Amica offers several homeowners insurance policies. It offers coverage for renters and condo owners, too.

A standard homeowners insurance policy from Amica protects your home, garage, and other structures on your property from risks like fire, wind, hail, or lightning. It includes personal liability coverage, in case someone else gets hurt on your property, and loss-of-use coverage, which pays for temporary housing, storage fees, and extra food expenses if you cant stay in your home while its being repaired. Amica homeowners insurance will also protect your belongings, including clothes, furniture, and personal electronics.

Theres supplemental homeowners coverage from Amica, too. Extended home insurance options include valuable items coverage, catastrophic coverage, home business coverage, and dwelling replacement coverage. Theres even an add-on coverage option for identity protection, as well as a flood insurance option for extra coverage.

For condo owners, an insurance policy from Amica covers the things inside your unit that your condo associations insurance policy might not, like your personal possessions, appliances, and any improvements you make to your condo. For renters, Amica helps replace your belongings in case theyre stolen or damaged, and an enhanced renters insurance policy can cover big-ticket items like jewelry, furs, computers, and other electronics.

Bankrate Award Winner For Best Overall

Careers at Amica: Why Adjuster?

Each year, Bankrates insurance editorial team uses its real-world industry expertise to conduct extensive reviews of major carriers to issue outstanding companies our Bankrate Awards. Based on our findings, we proudly announce that Amica tied as a winner of the 2023 Bankrate Award for the best overall car insurance company.

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Cost Of Amica Homeowners Insurance

Before purchasing a homeowners insurance policy, its wise to get multiple quotes. Many insurers allow you to get quotes online.

Unfortunately, Amica doesnt offer that feature. The only way to get a quote is to call Amica and speak with one of its agents.

When comparing insurance options, keep in mind that the National Association of Insurance Commissioners reported that the average homeowners policy costs $1,396 per year, or $116 per month. While your own policys cost may vary based on your location, home value, coverage amounts and potential discounts, that number can give you a good idea of what to expect.

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Amica Claims Mailing Address

If youre an Amica policyholder and need to file a claim, you have several options for doing so. You can file online, over the phone, or through the mail. If you choose to file by mail, youll need to send your claim form and supporting documentation to the following address:Amica Mutual Insurance CompanyP.O. Box 9128

How To File Amica Insurance Claims Over The Phone

Multi state insurance

If you want to report a claim via phone, you can reach Amicas call center at the following two numbers:

  • Auto, home, marine, and umbrella insurance number: 800-242-6422
  • Life insurance number: 800-234-5433

When you get a claims representative on the line, do the following to report a claim:

  • Provide your personal information and a policy number
  • Describe the incident in detail
  • Await the representatives further instructions
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    Amica Auto Insurance Coverage

    When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what youre required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

    Amica offers the standard menu of auto insurance coverage, but you can also buy additional coverage as needed for an extra fee. Though details vary by state, options generally include:

    Gap coverage. This coverage pays out when the amount on your car loan or lease is greater than the value of your vehicle at the time its declared a total loss.

    Rental reimbursement coverage. If your car is in the shop due to a covered loss, this coverage will pay for a rental car.

    Identity fraud monitoring. This service monitors your credit files and personal information, plus provides access to a fraud specialist if your identity is stolen.

    Full glass coverage. You pay no deductible for glass repairs or replacement.

    Prestige rental coverage. You get up to $5,000 toward the rental of a comparable car if yours is in an accident.

    New car replacement. Youll receive a new car if your vehicle is declared a total loss. This only applies if your car is less than a year old and has less than 15,000 miles.

    See what you could save on car insurance

    Related Auto Insurance Terms:

    • Comprehensive coverage Replaces or repairs your vehicle if stolen or damaged. It usually covers damage from theft, fire, vandalism, or falling objects.
    • Collision coverage Replaces your car if you’re in a collision or accident.
    • Uninsured/underinsured motorist Protects you if someone without or without enough car insurance hits you.
    • Liability coverage Covers damages you cause to another vehicle and its passengers. State law usually requires drivers to have liability coverage however, liability minimums vary by state.
    • Full coverage A combination of liability, collision, and comprehensive car insurance.

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    Amica Home Insurance Review

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

    We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

    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.

    • 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

    • Amica offers a dividend policy that can pay out from 5% to 20% of your annual premium.
    • The insurer isnt available in Alaska and Hawaii.
    • You can get an online quote easily.
    • Insurance OfferedAuto, condo, homeowners, life, renters, motorcycle, small business, and more.
    • Customer Service24/7 phone: 800-242-6422 Account access via app or website 24/7


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