Amica Mutual Homeowners Insurance vs. USAA Renters 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 →

USAA Renters Insurance

USAA

4.7

Among the lowest rates. Military families only. Excellent claims service.

Full review →

WealthSpott Verdict

USAA Renters 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 Renters Insurance

WealthSpott Rating

4.6 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Renters Insurance

Avg Annual Premium

~$2,000/yr

~$100/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

USAA Renters Insurance

Full review

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