Amica Mutual Home Insurance Review

Highest customer satisfaction of any home insurer with dividend policies that return up to 20% of premium.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Amica has ranked #1 in customer satisfaction with J.D. Power, and its dividend policies return up to 20% of premium. Base premiums start higher, from $110 a month, and it's sold in 48 states. Ask for a dividend policy quote, since that's where the value is.

Skip it if you want the lowest upfront premium, or live in a state it doesn't serve.

About Amica Mutual Home Insurance

Highest customer satisfaction of any home insurer with dividend policies that return up to 20% of premium. Amica Mutual Home Insurance is offered by Amica Mutual Insurance. Our editorial rating is 4.8 out of 5.

Best for: Homeowners wanting top customer satisfaction and dividend returns.

Editorial grade: A (composite score 92/100).

Highlights

#1 customer satisfaction (J.D. Power, multiple years)
Dividend policies return up to 20% of premium
Platinum Choice tier with comprehensive extras

What we like

#1 customer satisfaction (J.D. Power)
Dividend policies return up to 20% of premium
Excellent claims handling

Where it falls short

Higher base premiums than some competitors
Limited availability in some states

Fees, minimums, and rates

Monthly fee: From $110/month. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Amica Mutual Insurance. It is built from Amica Mutual Insurance's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.