Farmers Homeowners Insurance vs. Amica Mutual Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

Farmers Insurance logo
Farmers Homeowners Insurance
Farmers Insurance
4.0

Avg ~$2,300/yr. Eco-rebuild option. Declining deductible. Local agent network.

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Amica Mutual logo
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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WealthSpott Verdict

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

Feature
Farmers Homeowners Insurance
Amica Mutual Homeowners
WealthSpott Rating
4.0 / 5
4.6 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$2,300/yr
~$2,000/yr Best
AM Best Rating
A
—
J.D. Power Score
793 / 1000
— Best
Mobile App Rating
—
—
Farmers Homeowners Insurance
Full review
Amica Mutual Homeowners Insurance
Full review

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