Amica Mutual Homeowners Insurance vs. USAA 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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USAA Homeowners Insurance

USAA

4.7

Avg $1,500–$1,900/yr. Military families only. Best-in-class service.

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WealthSpott Verdict

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

Feature

Amica Mutual Homeowners

USAA Homeowners Insurance

WealthSpott Rating

4.6 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Avg Annual Premium

~$2,000/yr

~$1,700/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

USAA Homeowners Insurance

Full review

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