Amica Mutual Homeowners Insurance vs. Guardian Level Term

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 →

Guardian Level Term

Guardian Life

4.4

Level term with strong disability rider options. Mutual insurer focus on protection.

Full review →

WealthSpott Verdict

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

Feature

Amica Mutual Homeowners

Guardian Level Term

WealthSpott Rating

4.6 / 5 Best

4.4 / 5

Coverage Type

Home Insurance

Life Insurance

Avg Annual Premium

~$2,000/yr Best

—

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

Guardian Level Term

Full review

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