Get QuoteSecure site · Updated July 2026
- Avg. monthly premium
- $134
- Coverage types
- Home, Condo, Renters, Umbrella
- Bundling discount
- Up to 20%
- Availability
- 50 states
Why it stands out
Amica highlights
- Perennial leader in home-insurance satisfaction studies
- Dividend policies refund part of your premium annually
- Platinum Choice bundle adds credit monitoring and more
- Loyalty and claim-free discounts reward staying put
The verdict at a glance
Pros and cons
Pros
- Top-rated claims and customer service
- Dividend option cuts your net cost over time
- Generous standard coverage limits
Cons
- Fewer local offices than the national giants
- Sticker premiums are not the cheapest before dividends
Our full review
Our take on Amica
Amica routinely tops customer-satisfaction surveys because it treats claims as the whole point, not a cost to minimize. Its Dividend policies return a slice of premium each year, effectively lowering what you pay for coverage that already earns high marks.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Amica’s own site before you apply.
The alternatives
How Amica compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $92 | Renters and homeowners who want it digital | Get Quote | |
| 2 | State Farm | $118 | Owners who want an agent down the street | See Rates | |
| 3 | Allstate | $126 | Buyers who stack every discount available | See Rates | |
| 4 | USAA | $108 | Military members and their families | See Rates |
- Lemonade4.9Best for Renters and homeowners who want it digital
- State Farm4.7Best for Owners who want an agent down the street
- Allstate4.5Best for Buyers who stack every discount available
- USAA4.3Best for Military members and their families