What Amica Offers
Receive personalized coverage for your high-value home
Amica is committed to creating peace of mind. That’s why we offer two types of homeowners insurance policies: HO3 and HO5. We’ll help you customize your coverage so you can feel confident knowing that your home and everything inside of it are protected.
Standard Choice HO3
- Your home
- Other structures
- Personal property
- Temporary living expenses
- Expenses if you're responsible for injuring someone or damaging their property
Platinum Choice HO5
Everything that's covered on an HO3 and:
- Built-in replacement cost coverage up to 130%
- Broader coverage for damage to your personal property
- Replacement cost coverage on your personal property
- Coverage for damage caused by water backup or sump pump overflow
- Increased limits for personal liability and medical payments, theft of jewelry, unauthorized use of credit cards
Helping people since 1907 has made us a trusted name in the industry.
Our customers rated us "Excellent" on Trustpilot. (January 2024)
Forbes named Amica one of America’s Best Insurance Companies of 2025 (Forbes Media LLC, exp. Sept. 23, 2025)
A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer’s financial strength.
#1 in Customer Satisfaction with the Home Insurance Claims Experience.1
We’ll help you get the most out of your coverage.
Home and Auto
Protect more of what matters with up to 30% off when you combine home and auto coverage.*
Imagine insurance that knows you by name.
At Amica, we provide more than insurance – we build relationships. Whether it’s the first call or the moment you need us most, we show up with compassion. We make it easy to switch, take time to understand your needs, and find answers to your questions. That’s insurance that works for you.
Let’s find your home policy.
* Discounts not available in all states and may vary.
1 For J.D. Power 2024 award information, visit jdpower.com/awards.
98% of our customers stay with us every year − As of Dec. 31, 2023, for policyholders with Amica auto, home and umbrella coverage.
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