Homeowners Insurance
Amica offers homeowners insurance that aligns with your priorities and budget, helping you safeguard your most important assets. With coverage tailored to fit your needs, you can focus on cherishing the moments in your home that truly matter.
The right homeowners policy helps provide financial relief for repairing or rebuilding your home and replacing your belongings after disasters such as fires, tornadoes, break-ins and more. Additionally, it can help cover legal expenses if someone is injured on your property.
Discover insurance built on empathy with a customized home insurance quote today.
Tailor your homeowners insurance coverage
A tailored home insurance quote ensures that your coverage meets your specific needs. Amica’s personalized approach to homeowners insurance helps you secure the right level of protection, avoiding unnecessary costs while ensuring you don't miss out on essential features.
Dwelling and other structures
Coverage for your home, attached structures and detached structures for damage caused by events such as wind, hail, smoke or lightning.
Personal property
Provides coverage for your belongings, including furniture, clothing and electronics, in the event of a covered loss.
Loss of use
Coverage for temporary living expenses when a covered loss makes your home unfit to live in. This includes additional food, pet boarding, fuel costs and other expenses.
Liability
This covers damage or injury to another person or their property that you’re liable for. It also covers legal assistance for claims made against you.
Home insurance discounts and savings
Amica offers a variety of homeowners insurance discounts, allowing you to customize your coverage to fit your needs and budget.
Why choose Amica?
The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.
Exceptional value
Insurance built on empathy means you’re at the forefront of everything we do. Our policyholders benefit from discounts and rewards programs, allowing for lower rates without compromising coverage. With Amica, you’ll receive the best for your most important investment – your home.
Quality service
We provide prompt, personalized attention for claims, policy management and more. Our dedicated support team ensures customer satisfaction, understanding your needs and offering empathetic, effective service at every stage.
Reliable protection
Experience industry-leading claims resolution and customer service with minimal disruption. Amica policyholders can manage claims easily via the Amica mobile app and access advanced tools for proactive protection, allowing for a seamless insurance experience.
Common questions about homeowners insurance
Home insurance can cover loss or damage from unforeseen events such as falling objects, theft, vandalism and more. These "causes of loss" are specified in your homeowners policy as perils.
Home insurance is not mandatory in most states. However, it’s highly recommended for homeowners to have insurance, regardless of state requirements. A home insurance policy can help protect you from the financial burden of covered events and risks.
Your home is unique, and your coverage and rates will reflect that. Typically, the location, condition, age and cost to rebuild your home have the most significant impact on home insurance rates.
Your homeowners insurance doesn’t cover flooding or earthquakes. However, through Amica, you can purchase a flood insurance policy through the federally backed National Flood Insurance Program. Similarly, damage caused by earthquakes isn’t covered under your home insurance policy, but you can opt to add a policy endorsement to cover repairs.
Amica provides multiple ways to report a claim 24/7. Use our mobile app or online portal to report and track your claim, or call us at 800-242-6422 to file your home insurance claim.
Amica policyholders have access to the Home Repair Assistance Program offered by Contractor Connection.4 Through this program you’ll have access to pre-qualified contractors to make repairs, which are backed by a limited workmanship guarantee.4
Consider updating your home insurance coverage if you’ve made any changes to your home or property, such as a remodel, installing a pool, or building a detached garage or shed.
Insights and guidance for homeowners
Customer service that earns loyalty
Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.
Start Your Home Quote
Amica was awarded “Highest Customer Satisfaction Among National Homeowner Insurers, 17 Years in a Row.”4
1 Discounts not available in all states and may vary. Click here to learn about hurricane mitigation discounts in Florida.
2 Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
3 Discounts vary and are typically greater when your device is monitored by a third-party service.
4 Contractor Connection not available in all areas. Subject to contractor availability. If any problems with repairs occur within five years of the date the repairs are completed, the network contractor must first be provided the opportunity to correct any deficiencies in their work. The workmanship warranty only applies during the five-year period that you remain the owner of the property and insured with Amica. All upgrades or repairs unrelated to this claim are excluded from the program warranty and should be handled directly with the contractor.
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