Amica Mutual Homeowners Insurance vs. Lemonade Homeowners 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.

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Lemonade Homeowners Insurance

Lemonade

4.4

Policies from $25/mo. AI claims processing. B Corp certified.

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WealthSpott Verdict

Amica Mutual Homeowners Insurance and Lemonade Homeowners Insurance are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.

Feature

Amica Mutual Homeowners

Lemonade Homeowners Insurance

WealthSpott Rating

4.6 / 5 Best

4.4 / 5

Coverage Type

Home Insurance

Avg Annual Premium

~$2,000/yr

~$1,450/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

Lemonade Homeowners Insurance

Full review

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