Last Updated: 04/18/2025
SuperMoney User Recommendation Score +44
Mostly recommended9 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
Amica Mutual Home Insurance Review
Amica Mutual Home Insurance is an insurance carrier based in Lincoln, RI. The company was founded in 1907 and offers home insurance in 48 states (and Washington, DC).
Amica Mutual Home Insurance FAQ
What is the financial strength rating of Amica Mutual Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Amica Mutual Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Amica Mutual Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Amica Mutual Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Amica Mutual Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Amica Mutual Home Insurance home insurance policy?
When you ask for a quote with Amica Mutual Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Amica Mutual Home Insurance.
What additional benefits does Amica Mutual Home Insurance offer?
Amica Mutual Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +44, or 3.9 on a 5-point rating scale.
+44
-1000+100
No one recommends
Everyone recommends
Amica Mutual Home Insurance Community Reviews
Would you recommend Amica Mutual Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have personally done research on this company and have found it to be a great company, I told my cousin about this company, who has been looking for home insurance since she just recently bought a house a couple of months ago. She has said that this company is one of the best companies that she has come across and she is more then happy that she was told ...Show More
Andrew H.
Aug 12, 2021
May or may not recommend
A solid all around company that does what they say they'll do.
Originsand T.
Jul 29, 2021
May or may not recommend
Amica provides home insurance at about a similar rate to the other home insurance providers, so I would compare the customer service to Allstate and make a choice based on that.
Maci B.
Jul 14, 2021
May or may not recommend
I had a great experience with Amica they helped me get a mortgage payment I can afford
DR
Devine R.
Jul 14, 2021
May or may not recommend
I have never done insurance with this particular company but knowing a friend that spoke kind of down about the company I didn’t specifically ask in depth but I would recommend to others to do research before making that choice THANKS!
JL
Jonathan L.
Jul 12, 2021
May or may not recommend
Amica offers great products and services. I would work with them again.
SC
Shoane C.
Jul 3, 2021
May or may not recommend
I have personally done research on this company and have found it to be a great company, I told my cousin about this company, who has been looking for home insurance since she just recently bought a house a couple of months ago. She has said that this company is one of the best companies that she has come across and she is more then happy that she was told ...Show More
AO
Adebola O.
Jun 14, 2021
May or may not recommend
They don't cover for much which will not make me choose or recommend them
GT
Glenda T.
Jun 10, 2021
May or may not recommend
Amica offers a low-cost policy. However, many perils are not covered. Of note, there is no coverage to foundation damage, repeated leakage, or sewage on the standard policy.
Showing 9 of 9 reviews