TLDR
  • Estimated $1,647/year (~$137/month) for a standard $300k policy — below the national average
  • NAIC complaint ratio 0.38 (well below industry average); A+ financial strength
  • Availability: Nationwide · direct (no local agents)
  • Lowest complaint ratio of any major home insurer
  • No local agents — direct service only
NAIC complaint ratio  0.38  — well below industry average

About Amica Mutual homeowners insurance

Amica is a policyholder-owned mutual that sells directly rather than through agents, and it carries the lowest complaint ratio of any major home insurer (0.38). Many policies are eligible for an annual dividend that returns a share of profits. You trade the local-agent relationship for excellent claims handling and below-average pricing.

Who Amica Mutual homeowners insurance is right for

Homeowners who prioritize claims experience over having a local agent, and who are comfortable managing a policy by phone or online. The dividend policy option appeals to long-term holders.

How much does Amica Mutual homeowners insurance cost?

Amica Mutual homeowners insurance averages roughly $1,647/year (about $137/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide · direct (no local agents).

Amica Mutual homeowners insurance pros and cons

Pros

  • Lowest complaint ratio of any major home insurer
  • Optional dividend policies return cash to members
  • Below-average pricing with strong financial stability

Cons

  • No local agents — direct service only
  • Not the rock-bottom price in every market
  • Dividend amounts vary and aren't guaranteed

Bottom line: Amica is the pick if claims service is your priority. Quote it alongside the cheapest names — its price is competitive and its claims reputation is the best in the business.

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Frequently asked questions

How much is Amica Mutual homeowners insurance?
Roughly $1,647/year (~$137/month) for a standard $300k-dwelling policy — below the national average. Your exact price depends on your home, deductible, and claims history.

Is Amica Mutual good for homeowners insurance?
It carries an NAIC complaint ratio of 0.38 (well below industry average) and A+ financial strength. Amica is the pick if claims service is your priority. Quote it alongside the cheapest names — its price is competitive and its claims reputation is the best in the business.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Amica Mutual against other carriers.

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