Amica Mutual Homeowners Insurance vs. USAA 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 →

USAA Umbrella Insurance

USAA

4.7

From ~$150/yr for $1M. Military families only. Lowest premiums available.

Full review →

WealthSpott Verdict

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

Feature

Amica Mutual Homeowners

USAA Umbrella Insurance

WealthSpott Rating

4.6 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Umbrella Insurance

Avg Annual Premium

~$2,000/yr Best

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AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

USAA Umbrella Insurance

Full review

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