Semantic Coherence: Amica Mutual Insurance – Signal Evidence & AI Readability

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Our Platinum Choice® Home policy offers:
Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
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[H1] Insurance built on empathy

At Amica, empathy is our best policy. That’s why we go above and beyond to help you find the right auto, home and life insurance. At every step, our insurance comes with compassion. We’re here for you on the road, at home and all along life’s journey. We’ll explain all your coverage options and explore discounts as you choose the best protection for what matters most.

[H2] Auto
A companion on the road ahead

We help you find the right coverage and pair it with world-class service so you can hit the road with peace of mind.

[H2] Home
Important protection for the place you call home

We’ll help you customize your policy to make sure you have the coverages in place to suit your unique needs.

[H2] Life
Financial protection for your loved ones

Life insurance provides those you care about with financial support in the event you pass away.

[H2] Explore additional insurance products

[IMG: Woman Riding a Motorcycle]

At Amica, we have protection for all aspects of your life. You’ll feel confident about your auto, home and life insurance coverage. And as your insurance needs evolve, we’ll be there to help you discover what’s right for you.

[H2] Bundle insurance and save

Curious about the benefits of bundling your insurance policies with Amica? Discover how combining your coverage options can lead to greater savings and simplified protection. Learn how you can bundle home and auto insurance.

[H2] 2025 Annual Report

We’re pleased to share with you the latest edition of our Annual Report – In Good Company: With You Every Step of the Way.

[H2] Protect their tomorrow, today.

Help safeguard what you’ve built, and create a lasting legacy for those you care about most.

[H2] The Celtics and Amica – Celebrating Legacy

We're excited to kick off the Celtics season with our new ad, "Piece by Piece," which highlights how we protect the parts of your life that matter most.

[H2] Check out our Trustpilot reviews

Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.

Trustpilot

See all reviews on Trustpilot

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[H1] Car Insurance Policies

Wherever life takes you, Amica can help protect you with auto coverage tailored to your needs and over a century of superior service.
Insurance built on empathy means Amica prioritizes personalized service across quoting, policy management and all customer interactions. We’re committed to meeting the unique needs of each policyholder.
Discover how we can tailor coverage that fits your needs.
Check out what you need to get a car insurance quoteGet your quote today.

[H2] Tailor your car insurance coverage

Getting a customized quote for car insurance ensures that you’re getting coverage that aligns with your needs. Amica’s personalized approach to car insurance can help you secure the right level of protection without paying for coverage you don’t need or missing out on important features.

[H3] Liability coverage

Legally required coverage in most states, bodily injury liability pays for damages and legal fees if you cause an accident and injure someone else.
Property damage liability coverage is also legally required in most states as part of car insurance. This coverage helps pay for damages you cause to another person's property in an accident where you’re at fault.

[H3] Comprehensive coverage

Comprehensive, or other-than-collision coverage, helps pay for damage to your vehicle that isn’t caused by a collision. It’s optional coverage in most states; however, if you lease or finance your vehicle, you may be required to carry comprehensive coverage.

[H3] Collision coverage

Collision coverage can help cover the value of the vehicle or repair costs if you're involved in an accident with another vehicle or stationary object. Collision coverage is optional in most states, but it's often required if you're financing or leasing your vehicle.

[H3] Medical coverages

Personal injury protection (PIP) provides coverage for medical and other related expenses you and your passengers incur when you’re injured in an accident, regardless of fault. PIP includes coverage for lost wages, funeral expenses and essential services, like child care. PIP is typically not required coverage in all states.
Medical payments coverage (MedPay) helps pay for medical expenses for you and your passengers resulting from injuries sustained in a car accident, regardless of fault. MedPay is typically not required in all states.

[H3] Uninsured/underinsured coverage

Uninsured/underinsured motorist bodily injury coverage provides protection in the event you're injured in an accident with a driver who either doesn't have car insurance or doesn't have enough insurance to cover the damages. This coverage is required by some states. Even if your state does not require it, it's worth considering this valuable coverage.
Uninsured/underinsured motorist property damage coverage helps cover the cost of repairs to your vehicle if the at-fault driver either doesn’t have car insurance or their coverage isn't sufficient to pay for the full extent of the damages. This coverage is optional in most states.

[H3] Additional auto coverages

Roadside assistance helps drivers in need. You’ll receive 24/7 roadside assistance for a wide range of common problems you face on the road.
Guaranteed asset protection (GAP) insurance will help pay the difference between your car’s actual cash value (ACV) and what you owe on your loan or lease balance in the event your car is totaled in an accident.

Explore auto coverage options

[H2] Unlock savings with car insurance discounts

Saving money while still receiving great service is always a win-win situation. Amica offers various auto insurance discounts to help customers tailor their coverage to fit their needs and budget.

[H3] Bundle discount

When you bundle your auto and home insurance policies, you could save up to 30% on your premiums.1 We also extend multiline discounts when you bundle with life, umbrella, renters, condo or motorcycle policies.

[H3] Safe Driving Discount

Practicing safe, smart driving may qualify you for several different auto insurance discounts and can help prevent accidents. By using the StreetSmart by Amica app, you can gain insights into your driving habits and earn up to 20% off your premiums.1

[H3] Dividend Policies

At Amica, you can choose between a dividend and traditional (non-dividend) policy. A dividend policy will return a portion of your premium back to you if certain conditions are met. Payments average between 5% and 20% of your premium.2

Discover more ways to save

[H2] Why choose Amica?

We pride ourselves on providing insurance coverage policyholders can trust. This trust is built on a commitment to transparency, integrity and reliability in all interactions with customers. Policyholders are supported by award-winning claims and customer service, and backed by over a century of financial stability and strength. Our longevity provides peace of mind to policyholders, knowing that their insurance provider is well established and capable of fulfilling its commitments.

[H3] Exceptional value

Our approach to auto insurance focuses on you – you’re at the forefront of everything we do. We provide customized coverage ensuring you’re well protected. With access to a variety of discounts and rewards programs, you have the potential to lower your rates without sacrificing the quality of your coverage, giving you peace of mind on the road.

[H3] Quality service

We’re here for you, ready to assist with policy management, claims processing and more.

Our dedicated support team has a long history of customer satisfaction, which means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it's paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint.

[H3] Reliable protection

Experience reliability with swift claims resolution to get you back on the road with minimal disruption. Amica policyholders have access to a convenient online portal or the mobile app where they can easily manage their claims. Policyholders also have access to advanced tools and resources for proactive protection for a seamless insurance experience.

[H2] FAQs about car insurance

[H3]

Do I need auto insurance?

Car insurance is required in most states, but the coverages and limits vary. It’s recommended that drivers carry insurance, regardless of state law. Having an auto insurance policy can protect you from accidents and unforeseen events on the road.

[H3]

What car insurance is required in my state?

Most states typically require bodily and property damage liability protection. Amica representatives are available to walk you through the insurance needs for your state.

[H3]

How do I get a quote for car insurance?

To get a quote, you’ll need:
Your car’s make, model and year or vehicle identification number (VIN)Driver details and driving history, including accidents, claims and moving violationsCurrent insurance information
When you're ready to purchase an insurance policy, you'll need:
Your car’s vehicle identification number (VIN)Driver’s license numberIf you finance or lease your vehicle, you'll need the name and address of the company you make payments to.
Ready to get started?
You can start your car insurance quote:
onlineor by calling 800-242-6422

[H3]

How do I compare auto insurance quotes?

Before you start to compare car insurance quotes, it’s important to nail down the coverages you’ll need. Once you’ve chosen your coverages, policy limits and desired deductible, you can compare quotes from different insurance providers.

[H3]

What factors influence auto insurance rates?

Your location, driving history and vehicle are some major factors in determining car insurance rates.

[H2] Insights and guidance for car owners

[H3] Researching different types of car insurance

[H3] How much car insurance do I need?

[H3] Unlocking the potential of modern car safety features

Explore more insights in our auto resource center

[H2] Customer service that earns loyalty

Empathy isn't just a word — it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.

Trustpilot

See all reviews on Trustpilot

Get an Auto Insurance Quote

or call
800-242-6422

Start Your Quote

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Choose the Best Home Policy for You
Our Platinum Choice® Home policy offers:
Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
Select a Home policy to quote:

Platinum Choice Home
Standard Choice Home
Not sure which home coverage is right for you? Explore our home coverages section to learn more.

Back

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1 Discounts not available in all states and may vary.
2 Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.

Get a Home Insurance Quote
The right coverage to safeguard your home and the discounts to save you money.

or call
800-242-6422

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• Details about your car
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• Current insurance information, including coverage limits

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We’re sorry
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Choose the Best Home Policy for You
Our Platinum Choice® Home policy offers:
Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
Select a Home policy to quote:

Platinum Choice Home
Standard Choice Home
Not sure which home coverage is right for you? Explore our home coverages section to learn more.

Back

Get a Home Insurance Quote
The right coverage to safeguard your home and the discounts to save you money.

or call
800-242-6422

[H1] Home Insurance Policies

Amica offers homeowners insurance that aligns with your priorities and budget, helping you safeguard your most important assets. With coverage tailored to fit your needs, you can focus on cherishing the moments in your home that truly matter.
The right homeowners policy helps provide financial relief for repairing or rebuilding your home and replacing your belongings after disasters such as fires, tornadoes, break-ins and more. Additionally, it can help cover legal expenses if someone is injured on your property.
Discover insurance built on empathy with a customized home insurance quote today.

[H2] Tailor your homeowners insurance coverage

A tailored home insurance quote ensures that your coverage meets your specific needs. Amica’s personalized approach to homeowners insurance helps you secure the right level of protection, avoiding unnecessary costs while ensuring you don't miss out on essential features.

[H3] Dwelling and other structures

Coverage for your home, attached structures and detached structures for damage caused by events such as wind, hail, smoke or lightning.

[H3] Personal property

Provides coverage for your belongings, including furniture, clothing and electronics, in the event of a covered loss.

[H3] Loss of use

Coverage for temporary living expenses when a covered loss makes your home unfit to live in. This includes additional food, pet boarding, fuel costs and other expenses.

[H3] Liability

This covers damage or injury to another person or their property that you’re liable for. It also covers legal assistance for claims made against you.

Explore home coverage options

[H2] Home insurance discounts and savings

Amica offers a variety of homeowners insurance discounts, allowing you to customize your coverage to fit your needs and budget.

[H3] Bundle discount

When you bundle your auto and home insurance policies, you could save up to 30% on your premiums.1 We also extend multiline discounts when you bundle with life, umbrella, renters, condo or motorcycle policies.

[H3] Dividend Policies

At Amica, you can choose between a dividend and traditional (non-dividend) policy. A dividend policy will return a portion of your premium back to you if certain conditions are met. Payments average between 5% and 20% of your premium.2

[H3] Smarter home savings

Smart home devices, like sensors, can help prevent theft, fire and water damage. Amica policyholders may qualify for policy discounts and discounts on internet-connected, monitored devices.3

Discover more ways to save

[H2] Why choose Amica?

The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.

[H3] Exceptional value

Insurance built on empathy means you’re at the forefront of everything we do. Our policyholders benefit from discounts and rewards programs, allowing for lower rates without compromising coverage. With Amica, you’ll receive the best for your most important investment – your home.

[H3] Quality service

We provide prompt, personalized attention for claims, policy management and more. Our dedicated support team ensures customer satisfaction, understanding your needs and offering empathetic, effective service at every stage.

[H3] Reliable protection

Experience industry-leading claims resolution and customer service with minimal disruption. Amica policyholders can manage claims easily via the Amica mobile app and access advanced tools for proactive protection, allowing for a seamless insurance experience.

[H2] FAQs about homeowners insurance

[H3]

What does homeowners insurance cover?

Home insurance can cover loss or damage from unforeseen events such as falling objects, theft, vandalism and more. These "causes of loss" are specified in your homeowners policy as perils.

[H3]

Is homeowners insurance required by law?

Home insurance is not mandatory in most states. However, it’s highly recommended for homeowners to have insurance, regardless of state requirements. A home insurance policy can help protect you from the financial burden of covered events and risks.

[H3]

How much does homeowners insurance cost?

Your home is unique, and your coverage and rates will reflect that. Typically, the location, condition, age and cost to rebuild your home have the most significant impact on home insurance rates.

[H3]

Does homeowners insurance cover flooding or earthquakes?

Your homeowners insurance doesn’t cover flooding or earthquakes. However, through Amica, you can purchase a flood insurance policy through the federally backed National Flood Insurance Program. Similarly, damage caused by earthquakes isn’t covered under your home insurance policy, but you can opt to add a policy endorsement to cover repairs.

[H3]

How do I file a claim?

Amica provides multiple ways to report a claim 24/7. Use our mobile app or online portal to report and track your claim, or call us at 800-242-6422 to file your home insurance claim.
Amica policyholders have access to the Home Repair Assistance Program offered by Contractor Connection.4 Through this program you’ll have access to pre-qualified contractors to make repairs, which are backed by a limited workmanship guarantee.4

[H3]

When should I update or change my coverage?

Consider updating your home insurance coverage if you’ve made any changes to your home or property, such as a remodel, installing a pool, or building a detached garage or shed.

[H2] Insights and guidance for homeowners

[H3] What is Personal Liability Coverage?

[H3] 6 Ways to Save Money on Homeowners Insurance

[H3] First-Time Homebuyer Checklist

Explore more insights in our home resource center

[H2] Customer service that earns loyalty

Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.

Trustpilot

See all reviews on Trustpilot

Start Your Home Quote

or call
800-242-6422

Check Availability

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Get your {product-txt} insurance quote over the phone
For an easy and faster quoting process, it’s helpful to have the following information handy:
• Details about your car
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Choose the Best Home Policy for You
Our Platinum Choice® Home policy offers:
Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
Select a Home policy to quote:

Platinum Choice Home
Standard Choice Home
Not sure which home coverage is right for you? Explore our home coverages section to learn more.

Back

Start Your Home Quote

or call
800-242-6422

[IMG: J.D. Power award: Highest in customer satisfaction among auto insurers in the New England region, six years in a row]

Amica was awarded “Highest Customer Satisfaction Among National Homeowner Insurers, 17 Years in a Row.”4
See How We're Recognized

1 Discounts not available in all states and may vary. Click here to learn about hurricane mitigation discounts in Florida.
2 Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
3 Discounts vary and are typically greater when your device is monitored by a third-party service.
4 Contractor Connection not available in all areas. Subject to contractor availability. If any problems with repairs occur within five years of the date the repairs are completed, the network contractor must first be provided the opportunity to correct any deficiencies in their work. The workmanship warranty only applies during the five-year period that you remain the owner of the property and insured with Amica. All upgrades or repairs unrelated to this claim are excluded from the program warranty and should be handled directly with the contractor.
AMIC-02061424

Get a Life Insurance Quote1
Experience peace of mind knowing your family's well-protected.

Start Your Quote

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Start Your Quote

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Welcome back.
Please enter your ZIP Code to help us find your saved quote.

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Choose the Best Home Policy for You
Our Platinum Choice® Home policy offers:
Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
Select a Home policy to quote:

Platinum Choice Home
Standard Choice Home
Not sure which home coverage is right for you? Explore our home coverages section to learn more.

Back

Get a Life Insurance Quote1
Experience peace of mind knowing your family's well-protected.

or call
800-234-5433

[H1] Life Insurance Policies

Life insurance is a practical and affordable way to provide security for the future of your family’s finances when you’re no longer here. Whether you’re young and starting a new family or entering retirement, it’s always the right time to think about investing in quality life insurance.
What’s most important is to find the right life insurance that offers the most support to those close to you. Amica has a variety of options that are tailored to best suit your specific needs.

[H2] Why you need life insurance

You need life insurance to keep you and your family prepared for the unexpected. The right life insurance policy will help protect your loved ones when you’re gone and help them maintain financial stability and security. Your beneficiaries will receive payouts to help them cover funeral costs, unresolved debt, lost income, daily expenses and more.
When life insurance can help:

[H3] Starting your career

Typically, employers offer life insurance policies to their employees. You should review what’s offered by your employer and consider supplemental life insurance to ensure you’re fully protected.

[H3] Getting married

You’ll want to make sure your spouse is protected if you pass away. A life insurance policy can offset the loss of your income, helping your spouse put food on the table, meet day-to-day expenses and plan for the future.

[H3] Buying a home

Life insurance can help cover the cost of the mortgage, allowing your family to stay in your home after you’re gone.

[H3] Raising a family

If your family was suddenly without your income, it may have a dramatic impact on their financial well-being. Without it, your family may not be able to afford child care or your children’s education – so it’s important to protect it.

[H3] Planning for retirement

Help your family pay for end-of-life expenses, care for aging parents or support adult children in the event of your passing.

[H2] Comparing different types of life insurance

Amica offers life insurance options that are customizable, and we can help you find a policy that’s suitable for your circumstances. Many people find their needs fall into one of two coverage types: term life insurance or whole life insurance.
[H3] Term life insurance

Affordable and temporary coverage.
Term life provides protection for a specific, limited amount of time, typically 10, 15, 20, 25 or 30 years. It’s popular due to its practicality – especially for those starting a new family. It’s a budget-friendly option that provides protection for a set period, making it convenient to tailor coverage toward your immediate needs.
Considerations
You pay for the coverage you need for the period of time you need it.Guaranteed rate and coverage throughout the selected period.Generally convertible to whole life, which provides lifetime coverage.If you qualify, you can get this valuable term life protection with no medical exam.
Term insurance may be right for you if you need help protecting your income for a specific period of time. It also provides death benefit protection and helps your family cover ongoing expenses and retain their standard of living if you're not there.

Learn more about term life insurance.
[H3] Whole life insurance

Lifetime protection with cash value.
Whole life insurance provides protection for an individual’s entire lifetime, as long as premiums continue to be paid. This option builds cash value that can be borrowed against during your lifetime.
Considerations
Provides lifetime coverage.Guaranteed rates that won’t increase over time.Cash value accumulates over the life of the policy.Guaranteed coverage for your lifetime that won’t decrease as you age.
If you're looking to help protect your family for your entire life, whole life insurance may be the better coverage for you. Whole life will help to ensure your family isn’t burdened by final expenses or medical bills if you're not there.
Explore whole life insurance.

[H2] How much life insurance do I need?

When considering life insurance, it's important to tailor your coverage to your specific situation and the needs of your beneficiaries. A good starting point when considering life insurance is to map out the financial details of your life and estimate what your beneficiaries would need to maintain financial security after you’ve gone. Assess your financial situation by listing your current expenses, including living costs and health care. Then consider future financial needs like education costs for your children, retirement and funeral expenses.
Use our life insurance calculator to calculate your coverage needs.

[H2] How much does life insurance cost?

Companies assess various factors to determine your life insurance rates. You’ll likely be asked about your:
Health: Your current medical condition, including any medication you take, past illnesses and family medical history will be taken into consideration.Gender: According to the Centers for Disease Control and Prevention2, women generally have a longer life expectancy than men. This often results in lower life insurance premiums for women compared to men.Lifestyle and occupation: What you do on a day-to-day basis can impact your health and therefore can impact your life insurance rates. If you’re a smoker or into more daring leisure pursuits – skydiving or scuba diving, for example – you may see a higher premium.

[H2] Why choose Amica?

We pride ourselves on providing insurance coverage you can trust. At Amica, you’re supported by award-winning claims and customer service, and backed by over a century of financial stability and strength.3 Our longevity provides peace of mind, knowing that your insurance provider is well established and capable of fulfilling its commitments.

[H3] Exceptional value

Our approach to life insurance focuses on you – you’re at the forefront of everything we do. That means offering competitive life insurance rates and a variety of customizable product plans to suit your needs. Additionally, you can save up to 10% on your Amica auto policy when you bundle it with life insurance.

[H3] Quality service

We’re here for you, ready to assist with policy management, claims processing and more. Our dedicated support team has a long history of customer satisfaction, which means you can expect assistance from knowledgeable representatives who understand your individual needs.

[H3] Peace of mind

Behind our solid foundation is a company that cares. Our commitment extends to your beneficiaries, ensuring they receive the support and guidance they need during difficult times. That’s why we help support grieving families through the Empathy app, helping them navigate the challenges of bereavement.

[H2] FAQs about life insurance

[H3]

What does life insurance cover?

There are many benefits of life insurance to consider. With the right coverage, your family won’t have to worry about mortgage payments, unresolved debt or everyday living expenses if you pass away. If you own a small business, life insurance can also help keep the doors open.

[H3]

When should I get life insurance?

There’s never a bad time to consider getting life insurance. However, there are defining moments in your life when experts say you should get life insurance.
When you’re young: Generally, premiums are lower if you get a life insurance policy when you’re young and healthy.When you get married: A life insurance policy can provide financial support for your spouse in the event of your passing. This can include the mortgage, car loans or student loans.When you’re expecting a baby: Financial protection for your family is most important. The right coverage can help cover your child’s future education costs, child care expenses and financial support for everyday expenses.

[H3]

Can I have multiple life insurance policies?

Yes, you can have more than one life insurance policy, but you cannot be overinsured. During the underwriting process, your insurer will review your assets, income and liabilities to ensure you only have the amount of coverage you’re eligible for.

[H3]

How are life insurance funds and benefits taxed?

The annual increase in a policy’s cash value isn’t taxable as long as the funds stay within the policy. However, if you withdraw the cash value, any amount received over the premiums paid may be taxable. Generally, life insurance death proceeds aren’t subject to income tax for the beneficiary. In certain rare cases, a death benefit might be subject to estate or inheritance tax. For specific advice, please consult your tax advisor.

[H2] Learn more about life insurance

[H3]
Do I Need Life Insurance?

[H3] What Is a Life Insurance Beneficiary?

[H3] Life Insurance Medical Exam: What to Expect and How to Prepare

Explore more insights in our life resource center

[H2] Customer service that earns loyalty

Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.

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Additional protection up to 30% above your dwelling coverage limit if costs to repair your home exceed your policy limitBroader protection for your personal property, including phones, computers, TVs and other smart devicesHigher coverage limits on items like jewelry and watches
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Policies issued by Amica Life Insurance Company. NAIC No. 722222.

1 Online application and quotes are not available in all states.
2 National Center for Health Statistics, Life Expectancy.
3 A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
Guarantees are based on claims-paying ability of Amica Life.
ALIC11525 Jul-27