Amica Mutual Homeowners Insurance vs. Allstate Umbrella Insurance

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

Amica Mutual Homeowners Insurance

Amica Mutual

4.6

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

Full review →

Allstate Umbrella Insurance

Allstate

4.3

$1–5M coverage. A+ rated. Strongest multi-policy bundling discounts.

Full review →

WealthSpott Verdict

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

Feature

Amica Mutual Homeowners

Allstate Umbrella Insurance

WealthSpott Rating

4.6 / 5 Best

4.3 / 5

Coverage Type

Home Insurance

Umbrella Insurance

Avg Annual Premium

~$2,000/yr Best

—

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

Allstate Umbrella Insurance

Full review

Not sure which insurer is right for you?

Browse all insurance