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Amica Mutual

Reviewed
June 2013
by ConsumerSearch
Amica Mutual

Best homeowners insurance

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

Bottom Line

Though it 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.

Claims

Noted claims service. Home insurance policyholders give Amica Mutual 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.

Policies

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. 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.

Our Sources

1. ConsumerReports.org

The staff of ConsumerReports.org rates 15 major home insurers. The ratings are reliable and unbiased, and are based on customer surveys that focus on satisfaction with the company's estimate of damages, agent availability and speed of payment. However, unlike other products, there are no in-depth reviews of the insurers.

Review: HomeownersCar Insurance Ratings, Editors of ConsumerReports.org, 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 for all other categories: policy offerings, pricing, billing and payment, and contacting the insurer.

Review: 2012 U.S. National Homeowners Insurance Study, Editors of J.D. Power and Associates, Sept. 27, 2012

3. J.D. Power & Associates

Amica Mutual receives a perfect score for overall customer satisfaction and is the top pick in these nationwide homeowners insurance claim rankings. It receives a top rating, for these categories: first notice of loss, service interaction, estimation process and settlement. It receives a slightly lower rating for repair process.

Review: 2013 Property Claims Satisfaction Study, Editors of J.D. Power and Associates, April 1, 2013

4. Reviews.com

Amica Mutual earns 4 out of 5 stars in rankings of major home insurers, earning praise for its thorough online quotes and Home Repair Assistance Program. However, editors say it lacks some coverage options, including for farmers, mobile home owners, and owners of older homes. Payment flexibility is also lacking, they say.

Review: Amica Review, Editors of Reviews.com, Updated June 19, 2013

5. Insure.com

Amica Mutual earns a People's Choice award for top customer-service rankings by customers. The company receives 4.5 out of 5 stars overall, 5 in claims processing and 4.5 in customer service. It receives 4 stars for value. Ninety-four percent of customers say they will renew their policies.

Review: Best Insurance Companies: Customer Satisfaction Ratings for 2013, Editors of Insure.com, Not dated

6. FindTheBest.com

Amica Mutual earns the top spot in ranked home-insurance companies based on a combination of expert ratings, financial strength and customer complaint ratios. The company scores well in customer service but lower for its average premiums across four states.

Review: Compare Home Insurance, Editors of FindTheBest.com, Not dated

7. Viewpoints.com

Amica Mutual earns 64 out of 100 points in more than 80 reviews. However, ratings also include auto and life insurance. 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 Viewpoints.com, As of June 2013

8. Epinions.com

Amica earns 2.5 out of 5 stars in homeowners insurance reviews. Several reviewers report good service after major claims, but others say they were denied coverage for picky reasons, or Amica overvalued their homes and then raised rates accordingly.

Review: Amica - Home, Contributors to Epinions.com, As of June 2013

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