Does Amica homeowners insurance cover flooding?

No. Flooding is excluded from Amica's standard homeowners policy, the same as nearly every standard homeowners policy on the market. Flood coverage comes through a separate policy via the National Flood Insurance Program (NFIP), not as an add-on to your Amica policy. If you're in or near a flood zone, check that separately before assuming you're covered.

Can you buy Amica homeowners insurance online?

You can get a quote online and file a claim online, but you can't finish the actual policy purchase online. That one step lands at the point of sale, so if your current policy renews soon, start the Amica quote early rather than waiting until the last week. A short gap between canceling one policy and finalizing another is the kind of friction worth avoiding.

Amica Homeowners Insurance Review

Q: Is Amica home insurance good?

Yes, for most homeowners outside Alaska and Hawaii, Amica is a strong fit, and it's our pick for best overall home insurer. The standard policy can be built up with add-ons like water backup coverage and dwelling replacement above your limit. The trade-offs are practical rather than coverage-related: no Alaska or Hawaii availability, and no online policy purchase.

Q: Does Amica cover water backup or sump pump overflow?

Not automatically. Water backup and sump overflow coverage is an optional add-on on Amica policies, not something baked into the standard package. If you have a sump pump or a finished basement, ask for this coverage by name when you get a quote, because it won't show up unless you request it.

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What to Know

Amica home insurance is a good choice for most homeowners outside of Alaska and Hawaii, the two states where it doesn't sell policies. It offers a standard policy with plenty of offerings and a long list of optional upgrades.

What stands out about Amica is its complaint index score with the National Association of Insurance Commissioners (NAIC): 0.21, meaning it receives far fewer complaints than expected for a company its size. For context, a score of 1.0 means a company received the average number of complaints expected.

Discounts: 9
Online Quotes
Online Policy Purchase

Available in 48 states and D.C.

Why We Like Amica

Amica insurance suits homeowners who want a standard policy that fits their home. Its options include water backup/sump overflow coverage, dwelling replacement coverage that extends beyond the standard limit, and the Platinum Choice package for higher limits. Discounts include loyalty and claim-free credits plus credits for alarm systems and new or remodeled homes, and you can file claims online.

Pros and Cons

Pros

Very low number of complaints
Offers earthquake coverage
Online claim filing and management

Cons

No flood insurance option
No online policy purchases

Solvable's Take on Amica Homeowners Insurance

Amica is the right pick if your home needs more than a bare-bones policy. If you own valuable jewelry or watches, you can raise those limits through the Platinum Choice package. If you run a business from home, you can add home business coverage. If you have a sump pump, water backup/sump overflow coverage is available.

In select states, Amica also sells dividend policies, which Amica says may return up to 20% of your premium paid. Amica acknowledges that dividends aren't guaranteed.

Although you can't buy policies online, Amica boasts a very low complaint rate. Its NAIC score of 0.21 was lower than all but two insurers in our study: Chubb (0.08) and Country Financial (0.07). We rated customer satisfaction high in our methodology, giving it a weight of 35%.

Amica Homeowners Insurance Discounts

Several of Amica's discounts, like loyalty and claim-free, reward staying with one insurer over time. Availability and amounts vary by state and eligibility requirements.

Loyalty
Multiline
Claim-free
AutoPay
E-discount
Paid in Full
Alarm System
New/Remodeled Home Credit
Automatic Detection Devices

Amica Homeowners Insurance Coverage

Dwelling

Pays to repair or rebuild the house itself after a covered loss. The optional dwelling replacement add-on extends coverage beyond your limit, so your dwelling limit can stretch further if rebuilding costs run high.

Other structures

Pays for structures on your property that aren't attached to the house, such as a detached garage, fence or shed.

Personal property

Pays for your belongings, like furniture, clothing and electronics, after a covered loss. Amica also offers an optional personal property replacement add-on, so ask how it would change what you're paid for damaged items.

Loss of use

Pays extra living costs, such as a hotel or rental, if a covered loss leaves your home uninhabitable during repairs.

Personal liability

Covers you if you're legally responsible for someone else's injury or property damage.

Medical payments

Pays medical bills for guests hurt on your property, regardless of fault.

Frequently Asked Questions

Is Amica home insurance good?

For most homeowners outside Alaska and Hawaii, Amica is likely a strong fit. A standard policy can be bulked up with add-ons like water backup coverage and dwelling replacement above your limit. Online policy purchases are not available.

Does Amica cover water backup or sump pump overflow?

Water backup and sump overflow coverage is an optional add-on on Amica policies. If you have a sump pump or a finished basement, look for this coverage when you get a quote.

What is an Amica insurance dividend policy?

An Amica dividend policy is a feature available in select states that may return a portion of the premium you paid. It's a possible return of premium, not a rate discount, and Amica is explicit that dividends aren't guaranteed and aren't available everywhere.