Amica Mutual Homeowners Insurance
Editor's ChoiceAmica Mutual
4.6
J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.
Editorial score
4.6 / 5
Product type
home insurance
Our take
Amica Mutual is a policyholder-owned insurer that pays annual dividends, effectively reducing premiums by 5–20%. Highest J.D. Power satisfaction score (906/1000) with the lowest complaint ratio in the industry.
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Full details
| best for | Homeowners who value top claims satisfaction |
| headline metric | From ~$150/mo |
| secondary metric | Dividends reduce premiums 5–20% |
| avg annual premium | 2000 |
| discount highlights | Dividend payback, multi-policy, loyalty, protective devices |
Frequently asked questions
What should I compare besides premium for Amica Mutual Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Amica Mutual Homeowners Insurance right for me?
Amica Mutual is a policyholder-owned insurer that pays annual dividends, effectively reducing premiums by 5–20%. Highest J.D. Power satisfaction score (906/1000) with the lowest complaint ratio in the industry.
Related guides
Verified Apr 2026
Amica Mutual Homeowners Insurance