Dwelling
Helps cover the structure of your home from a covered loss.
Home insurance built for you
Build a personalized home insurance policy that protects you both inside and outside your home.
Home insurance you deserve
It's not just about protecting your home — it’s about supporting what matters to you.
Save your way
From discounts to dividends, discover ways to save on your home insurance.
Bundling discounts
Save up to 30% when you carry multiple policies with Amica.1
Smart home discounts
Save with smart devices that protect your home and your wallet.2
Dividend policies
You could get a percentage of your premiums back at each renewal.3
The more you're protected, the more you save
When you bundle policies, you get more of Amica's world-class service for less.
Home insurance FAQs
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.
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
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.
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.
Homeowners insurance may help cover your home, certain detached structures, personal belongings, additional living expenses and liability after a covered loss. Coverage details vary by policy, so it’s important to review your own documents for exact limits and exclusions.
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.
Home insurance shouldn't be complicated. We make it simpler.
When to Review Homeowners Insurance
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Home Insurance Additional Coverages
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Coverage options and discounts not available in all states and may vary. Multiline discount must include the combination of all three product lines and applies only to your Amica auto and/or home policies.
Discounts not available in all states and may vary.
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.
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.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***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.
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