Amica Insurance

Amica is a mutual insurer based in Rhode Island. Its policyholders own it. It sells home and auto insurance direct to Florida homes.

You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 09709 and its NAIC number is 19976.

Taking new policiesChecked Oct 19 Home, condo, renters, auto and umbrella

Is Amica leaving Florida? No. Amica Mutual had 15,345 Florida home policies in force on July 31, 2026, and no exit or new business stop notice was found as of October 10, 2026. As of Oct 19, 2026. Source: amica.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

15,345

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A+ (Superior)

From AM Best

Complaints

0.21

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Amica renewal go up?

When you buy straight from Amica, nobody shops it for you. An independent agent checks 80+ companies at every renewal. It's a 5 minute call.

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What's changed recently

  1. AM Best moves Amica outlook to stable

    AM Best changed the outlooks for Amica Mutual and its units. They went from negative to stable.

  2. OIR holds hearing on Amica home rate request

    Florida OIR held a public hearing on an Amica Mutual home rate request. Amica asked for more than 50%. Local news said the rise would reach only about 500 Florida policyholders.

  3. AM Best moves Amica outlook to negative

    AM Best changed the outlooks for Amica Mutual and its units. The new outlooks are negative.

  4. AM Best cuts its ratings for Amica Mutual

    AM Best cut the ratings of Amica Mutual. It said the cause was rising catastrophe losses and auto claims.

See every Amica update

Rate history

No rate filings tracked yet.

Want your Amica renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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53 years in Florida

In Florida since 1973. Has paid claims through 27 hurricanes.

19751980198519901995200020052010201520202025 Eloise (1975 , Category 3 at Florida landfall) Eloise Cat 3 David (1979 , Category 2 at Florida landfall) David Cat 2 Elena (1985 , Category 3 at Florida landfall) Elena Cat 3 Kate (1985 , Category 2 at Florida landfall) Kate Cat 2 Floyd (1987 , Category 1 at Florida landfall) Floyd Cat 1 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Amica side by side

Amica side by side with State Farm and Universal Property
Amica State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 15,345 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 0.21 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A+ (Superior) AM Best A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1973 1934 1997

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Questions people ask about Amica

Is Amica leaving Florida?No.

Amica Mutual had 15,345 Florida home policies in force on July 31, 2026, per state data. No notice of Amica leaving Florida or dropping Florida policies was found as of October 10, 2026. AM Best moved Amica's outlook back to stable in March 2026.

Source: Florida OIR Market Intelligence Report, July 31, 2026; AM Best via Business Wire, March 13, 2026

Does Amica sell new policies in Florida?Amica offers home and auto insurance to Florida customers on its own site.

No public notice of a Florida new business stop was found. That is as of October 10, 2026. Insurers often pause new policies for a short time when a hurricane threatens. So ask about any pause after Hurricane Isaias.

Source: amica.com Florida home and auto insurance guides, read October 10, 2026

What is the Amica claims phone number?Call 800-242-6422, the main number Amica shows next to its Report A Claim link.

Customer service on that line is open weekdays 6 a.m. to 10 p.m. and weekends 7 a.m. to 8 p.m. Eastern. Roadside help is 866-286-9968.

Source: Amica contact page, read Oct 10, 2026

Is Amica a good company?AM Best rates Amica Mutual A+ (Superior) for financial strength.

AM Best moved the outlook to negative in February 2024 and back to stable in March 2026. Amica held 15,345 Florida home policies on July 31, 2026.

Source: AM Best via Business Wire, February 1, 2024 and March 13, 2026

Who owns Amica?Amica Mutual Insurance Company is a mutual insurer.

So its policyholders own it. It is based in Rhode Island. It is at the head of the Amica Mutual Group. The group also has Amica Life Insurance Company in it.

Source: AM Best release titles via InsuranceNewsNet; Rhode Island DBR annual statement filings

Is Amica admitted in Florida?Yes.

Amica Mutual Insurance Company is licensed in Florida. The state checks its home rates. In February 2024 the state held a public hearing. It was on an Amica rate request. Amica is an admitted home and auto insurer. So it is a member of the Florida Insurance Guaranty Association.

Source: Florida OIR news release, February 19, 2024

Still deciding? Let us shop your Amica renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Amica reviews and complaints: what the public data shows

Amica rating

A+ (Superior) from AM Best.

Complaints
0.21 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 1973 (53 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.