American Family Homeowners Insurance vs. Amica Mutual Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

American Family Homeowners Insurance

American Family Insurance

4.2

Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.

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Amica Mutual Homeowners Insurance

Amica Mutual

4.6

J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.

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WealthSpott Verdict

Amica Mutual Homeowners Insurance wins on more measurable categories. American Family Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature

American Family Homeowners

Amica Mutual Homeowners

WealthSpott Rating

4.2 / 5

4.6 / 5 Best

Coverage Type

Home Insurance

Avg Annual Premium

~$1,900/yr Best

~$2,000/yr

AM Best Rating

—

J.D. Power Score

831 / 1000

— Best

Mobile App Rating

—

American Family Homeowners Insurance

Full review

Amica Mutual Homeowners Insurance

Full review

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