Amica Mutual Review

Best homeowners insurance

  • Pays quickly after claims
  • Fair damage estimates
  • Well-reviewed customer service
  • Wide variety of plans and discounts
  • Lacks local agents
  • May be picky about customers

Bottom line

Though its name isn't as recognizable as larger insurers, policyholders say Amica Mutual really shines when it comes to homeowners insurance. The company offers professional, accessible customer service, a quick claims process and fair payments, customers say. Amica also receives kudos for a wide range of policies and discounts, though a few coverage options are lacking. Some customers complain Amica is too picky about who it will insure.

Breaking it down


Noted claims service. Home insurance policyholders give AmicaMutual top marks for making timely payments after claims in a large national survey. Customers are also satisfied with damage estimates and say the repairs process was fairly smooth. Expert reviewers like the company's Home Repair Assistance Program, which helps connect homeowners with contractors that Amica has already vetted for prompt, professional work. A few customers complain that the company overvalued their homes and raised rates based on inflated numbers. Coverage is available in every state but Hawaii.


Helpful but picky. Amica Mutual gets top marks for customer service, with policyholders saying they're satisfied with availability of homeowners insurance. Consumers are happy with the variety of policies, add-ons and prices, though expert reviewers say the company lacks some coverage options, including for farmers, mobile homes and older homes that have not been updated. They offer a good variety of discounts but only two payment options. Some complain that Amica is overly picky about its policyholders, denying coverage for all but the lowest-risk customers. There are no local agents; the company does business over the phone or online. Policyholders can report claims 24 hours a day.

Amica Mutual Reviews

1. rates and ranks 14 major home insurers. The rankings are based on customer surveys that focus on satisfaction with the company's estimate of damages, agent availability and speed of payment. Insurers are not discussed in any depth, however.

Review: Homeowners Insurance Ratings, Editors of, Not Dated

2. J.D. Power & Associates

Amica Mutual receives a perfect score for overall customer satisfaction and is the top pick in these nationwide homeowners insurance rankings. It receives a top rating in all categories: policy offerings, pricing, billing and payment, claims and how customers rate their interactions with their carrier.

Review: 2014 U.S. Household Insurance Study-Homeowners Insurance, Editors of J.D. Power and Associates, Sept. 18, 2014

3. J.D. Power & Associates

Amica Mutual receives a top score for overall customer satisfaction and is the number-one pick in these nationwide homeowners insurance claim rankings. It receives a top rating for first notice of loss and settlement, but slightly lower rankings in other subcategories of satisfaction.

Review: 2015 US Property Insurance Claims Study, Editors of J.D. Power and Associates, March 2, 2015


Amica Mutual earns 4 out of 5 stars in this expert review, earning praise for its thorough online quotes and Home Repair Assistance Program. However, Fletcher Wilson says it lacks some coverage options, including for farmers, mobile home owners, and owners of older homes. Payment flexibility is also lacking, he says.

Review: Amica Review, Fletcher Wilson, Jan. 3, 2015


Amica Mutual earns a 3.2-star rating following more than 100 reviews. However, feedback also includes the company's auto and life insurance products. Customers say the company is very picky about policyholders, but several report good service. However, some say their rates shot up without warning, and a few report issues with claims.

Review: Amica Insurance Reviews, Contributors to, As of April 2015


Amica earns a Bronze award here as well as an Excellence award. It gets kudos for its responsiveness to claims and generous discounts, but the lack of coverage for certain homes is a disappointment.

Review: Amica, Pamela S Stevens, Apr. 21 2014

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