Amica® and Geico are insurance companies that offer home insurance to homeowners across the country. While both companies offer standard dwelling, other structures, personal property, additional living expenses, personal liability, and medical payments coverage, the companies vary slightly in terms of coverage limitations, endorsements, discounts, and customer service.
Keep reading this Amica vs. Geico home insurance comparison to learn about the differences between the companies and decide which provider offers the best homeowners insurance for you.
To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:
Amica vs. Geico Home Insurance Comparison
| Provider | Amica | Geico |
|---|---|---|
| Other structures coverage limits | 10% of dwelling | 10% of dwelling |
| Personal property coverage limits | 75% of dwelling | 70% of dwelling |
| Liability coverage limits | $25,000, $50,000, $100,000, $200,000, $300,000, $400,000, $500,000, $750,000, or $1 million | $100,000, $200,000, $300,000, $500,000, or $1 million |
| Monthly price* | $94 | $116 |
| Discounts available | 5 | 3 |
| Unique add-ons | Home business, catastrophic coverages | Valuable collections, rebuilding |
| Customer service | 24/7 for claims; limited for sales and service | 24/7 |
| BBB rating | A+ | A+ |
*Based on quotes from Raleigh, North Carolina
Amica vs. Geico Home Insurance Coverage Comparison
Both Amica Mutual and Geico offer six main types of coverage in a home insurance policy—dwelling, other structures, personal property, loss of use, liability, and medical payments to others. However, there are minor differences in terms of coverage limits and available endorsements.
Amica Mutual Coverage
Amica determines the amount of other structures, personal property, and loss of use coverage to give you based on the dwelling coverage amount you input online. After that, you can choose liability, medical payments, and deductible amounts yourself.
Scan the table below to learn your coverage and deductible options with Amica:
| Type of Coverage | Coverage Options |
|---|---|
| Other structures | 10% of dwelling |
| Personal property | 75% of dwelling |
| Loss of use | 20% of dwelling |
| Liability | $25,000, $50,000, $100,000, $200,000, $300,000, $400,000, $500,000, $750,000, or $1 million |
| Medical payments to others | $1,000, $2,000, $3,000, $4,000, or $5,000 |
| Deductible | $100, $250, $500, $1,000, $1,500, $2,500, $5,000, $7,500, or $10,000 |
In addition to the six areas of coverage, you can add the following endorsements to your plan:
- Water backup and sump overflow
- Identity fraud monitoring
- Dwelling replacement
- Personal property replacement
- Home business
- Catastrophic coverages
- Valuable items
Geico Coverage
Geico determines coverage amounts the same way that Amica does, but the coverage options vary slightly:
| Type of Coverage | Coverage Options |
|---|---|
| Other structures | 10% of dwelling |
| Personal property | 70% of dwelling |
| Loss of use | 20% of dwelling |
| Liability | $100,000, $200,000, $300,000, $500,000, or $1 million |
| Medical payments to others | $1,000, $2,000, $3,000, $4,000, or $5,000 |
| Deductible | $250, $500, $1,000, or $2,500 |
Here are a few Geico endorsements you can add to your policy:
- Water backup and sump overflow
- Identity theft protection
- Business pursuit
- Loss assessment coverage
- Earthquake coverage
- Blanket jewelry coverage
Amica vs. Geico Home Insurance Cost Comparison
To give you an idea of the costs of Amica and Geico policies, we requested online quotes from both companies using information for a one-story, single-family home in Raleigh, North Carolina, with four bedrooms and 3.5 baths.
Amica Cost
Amica allows you to input the exact amount you think it would cost to rebuild your home. It then calculates other structures, personal property, and loss of use coverage from that number.
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $250,000 |
| Other structures | $25,000 |
| Personal property | $187,500 |
| Loss of use | $50,000 |
| Liability | $300,000 |
| Medical payments to others | $1,000 per person |
| Deductible | $1,000 |
| Monthly cost | $94 |
Amica’s monthly cost is slightly below the national average and is able to stay low because of these five discounts:
- Loyalty
- Multi-line
- Claims-free
- E-discount
- Auto pay
Geico Cost
After inputting information about the home, Geico estimated the home to cost $319,100 to rebuild. The other structures, personal property, and loss of use coverage was decided from that number.
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $239,100 |
| Other structures | $23,910 |
| Personal property | $167,370 |
| Loss of use | $47,820 |
| Liability | $300,000 |
| Medical payments to others | $1,000 per person |
| Deductible | $1,000 |
| Monthly Cost | $116 |
To save money on your Geico insurance policy, see if you’re eligible for these three homeowner discounts:
- Multi-policy
- Smoke detectors and fire extinguishers
- Home security systems
Our Conclusion
Amica offers more discounts, endorsements, and coverage options than Geico at a more affordable rate. You can get liability coverage as low as $25,000, while Geico only goes down to $100,000. Amica’s personal property coverage is also higher at 75% of dwelling coverage, instead of 70% from Geico.
Both companies allow you to get quotes through their website, which eliminates having to talk to a customer service representative. However, Amica falls short because it doesn’t help you calculate your dwelling coverage; instead, you have to input the amount of coverage you want based on how much you believe it would cost to rebuild your home, whereas Geico determines how much your house is worth by asking questions about your property.
When our team requested quotes from each company, Amica ended up being cheaper. This is notable because we used $250,000 for dwelling coverage in the Amica quote, and Geico only estimated the rebuilding cost for the same home to be about $239,000. This means you’ll receive more coverage with Amica at a lower price.
Regarding customer service, both companies have a mobile app, customer portal, online chat, and 24/7 claims center. The major difference is that Geico is available 24/7 for other insurance questions, while Amica is only available during regular business hours.
In the end, we believe Amica’s more comprehensive and affordable coverage outweighs the company’s quoting and customer service flaws. However, we still recommend getting home insurance quotes from at least three providers so that you can compare coverage and pricing. To get quotes from companies in your area, call 855-948-5219 or enter your zip code in the tool below:
Frequently Asked Questions
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