Erie vs. Amica Homeowners Insurance in 2025 (Head-to-Head Review)
Erie vs. Amica homeowners insurance comes down to your priorities; with Erie at $22/month, it is great for water backup coverage and identity restoration to keep things secure. Amica stands out at $46/month with identity fraud protection and home business coverage, perfect for entrepreneurs.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
UPDATED: Jan 26, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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When evaluating Erie vs. Amica homeowners insurance, it’s clear that both companies provide unique programs designed to meet specific homeowner needs.
Erie offers water backup coverage for damages caused by sewer backups and includes identity restoration assistance, helping homeowners recover quickly from theft. Amica, on the other hand, is prominent for providing identity fraud protection that covers legal expenses and credit control.
Erie vs. Amica Homeowners Insurance Review Rating
Rating Criteria 
Overall Score 4.3 4.3
Business Reviews 4.5 4.5
Claim Processing 4.3 4.8
Company Reputation 4.5 4.5
Coverage Availability 3.5 5.0
Coverage Value 4.6 4.3
Customer Satisfaction 2.2 2.1
Digital Experience 4.0 4.5
Discounts Available 4.7 5.0
Insurance Cost 4.7 4.0
Plan Personalization 4.5 4.5
Policy Options 5.0 4.1
Savings Potential 4.7 4.4
Erie Review Amica Review
It also extends insurance to home-based businesses by safeguarding tools and equipment along with potential liability from business activities. Two companies provide specialized solutions that are designed to assist property owners in safeguarding their most valued assets, as well as addressing specific dangers.
For those seeking the best homeowners insurance, secure affordable coverage using our free quote comparison tool.
- Erie offers water backup coverage and identity restoration at $22/month
- Amica excels with identity fraud protection and home business coverage
- Erie vs. Amica homeowners insurance compares unique programs for all needs
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Erie vs. Amica Insurance Pricing Breakdown
This table highlights the monthly rates for homeowners insurance from Erie and Amica, segmented by age and gender. It clearly compares how rates vary between the two providers across different demographics.
Erie consistently offers lower rates than Amica, with noticeable savings for both genders and all age groups. A sixteen-year-old girl, for example, pays $218 with Erie instead of $695 with Amica, and a sixty-year-old man pays $55 with Erie instead of $140 with Amica.
Erie vs. Amica Homeowners Insurance Monthly Rates by Age & Gender
Age & Gender
Age: 16 Female $218 $695
Age: 16 Male $233 $735
Age: 30 Female $63 $168
Age: 30 Male $66 $176
Age: 45 Female $59 $153
Age: 45 Male $58 $151
Age: 60 Female $53 $136
Age: 60 Male $55 $140
Evidence shows that Erie is the more economical choice in every category. However, Amica offers other advantages like identity fraud protection, which some people may find justified the increased premiums. Reviewing these rates helps you understand which provider aligns with your budget and priorities.
Choosing the Best Homeowners Insurance: Erie vs. Amica
Amica and Erie are top picks among homeowners with their many practical applications. Amica provides extensive and reliable coverage Through user-friendly methods such as mobile apps and online policy administration.
The company has been around for more than a century. Their A+ financial strength grade guarantees rapid claims processing, and policyholders get unique benefits, including protection against identity theft and coverage for home businesses.
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Erie can provide competitive prices and attentive service. Their comprehensive coverage guarantees full compensation for rebuilding your home, even if construction prices continue to climb. So you won’t have to worry about paying more than necessary. Erie offers affordable options and add-ons like earthquake and water backup protection for customizable coverage.
Amica is the best option for homeowners who value specialist coverage and cutting-edge equipment, while Erie offers reasonably priced options with a personal touch. Your choice will depend on whether you value cost-effective, customized plans or unique features.
Erie vs. Amica Rate Insights
Homeowners searching for cost-effective insurance may find Erie’s $22 monthly entry point appealing. Important features like identity restoration and water backup coverage are included in this package, which offers up to $25,000 for resolving stolen personal data.
Amica serves customers who value more comprehensive insurance for $46 a month. It is perfect for business owners or people who require more coverage flexibility because its features include home business coverage and identity fraud protection up to $15,000.
Amica offers cutting-edge features for people prepared to make more significant investments, while Erie offers affordable insurance with necessary protections. Both are top contenders among the best insurance companies, and your decision will depend on whether you value improved options or price.
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Real Customer Review of Erie vs. Amica Insurance
The main ratings and customer reviews for Amica and Erie homeowners insurance are displayed in this table. The information provides a clear side-by-side assessment of their financial health, business procedures, and consumer happiness.
Amica excels in customer satisfaction with a J.D. Power score of 746 out of 1,000, surpassing Erie’s score of 733. Similarly, Amica edges ahead in Consumer Reports ratings, earning an 85/100 compared to Erie’s 82/100.
Insurance Business Ratings & Consumer Reviews: Erie vs. Amica Homeowners
Agency
Score: 733 / 1,000
Above Avg. SatisfactionScore: 746 / 1,000
Above Avg. Satisfaction
Score: A+
Excellent Business PracticesScore: A+
Great Business Practices
Score: 82/100
Positive Customer FeedbackScore: 85/100
Excellent Customer Feedback
Score: 0.60
Fewer Complaints Than Avg.Score: 0.73
Fewer Complaints Than Avg.
Score: A+
Superior Financial StrengthScore: A+
Superior Financial Strength
Both companies, however, show good financial stability, earning an A+ rating from A.M. Best rating. Regarding complaints, Erie somewhat outshines Amica with a ratio of 0.60, whereas Amica’s is 0.73. In this comparison, Amica stands out as the market leader in consumer feedback, whereas Erie stays ahead of the competition when efficiently addressing concerns.
While their shares are smaller compared to bigger players, they still make an impact. The remainder of the market is divided among bigger rivals, with Erie controlling 4% and barely surpassing Amica at 3%.
Both companies are notable, even with lower shares: Amica for its high-end features and Erie for its affordable offerings. They have developed devoted clientele by concentrating on the things that are most important to their policyholders. This analysis emphasizes their distinct position in a cutthroat industry.
A user pointed out some great things about Erie homeowners insurance in a Reddit thread. They mentioned Erie’s guaranteed replacement cost, which covers rebuilding your home no matter how much costs increase. They also gave a shoutout to the Plus and Select bundles for adding some nice perks.
This review demonstrates why Erie is a solid option for homeowners looking for dependable, adaptable coverage. Erie offers policyholders good value and peace of mind with features like guaranteed replacement costs and numerous bundle options.
Pros and Cons of Erie Insurance
Pros
- Family-Friendly Pricing: Erie delivers economical premiums, such as $58/month for a 45-year-old man, making it an excellent choice for households aiming to save.
- Enhanced Sewer Backup Safeguard: Provides protection against overflow damages from sewers or drains, a feature missing in many standard policies.
- Local Support With Dedication: Erie gives customers tailored advice and trustworthy help through a broad network of agents. Unlock details in our Erie insurance review.
Cons
- Coverage Areas With Restrictions: The services are only available in a few states; this limits its reach to a broader audience.
- Simple Digital Tools: The platform is missing up-to-date features such as live claim tracking or adaptable policy changes on the internet
Pros and Cons of Amica
Pros
- Outstanding Support for Recovery From Fraud: This covers costs such as legal help and restoring credit, which is perfect for protecting oneself against identity theft.
- Customized Coverage for Home Office: Gives protection to work instruments, inventory, and responsibility. It is designed for small business owners who run their businesses from home.
- Highly Rated for Claims Service: Known for quick, efficient claims resolution and frequently praised in customer feedback.
Cons
- Expensive for Young Drivers: Monthly rates like $735 for a 16-year-old male are high. Learn more in our Amica insurance review.
- Limited In-Person Interaction: Heavily dependent on virtual communication, which may not appeal to clients who prefer face-to-face consultations.
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Key Features of Erie and Amica Homeowners Insurance
Erie vs. Amica homeowners insurance revealed key strengths and drawbacks for each provider, helping highlight who might benefit most from their offerings. Erie stands out with affordable rates, such as $58/month for a 45-year-old male, and unique water backup coverage.
However, Amica has a J.D. Power and Associates insurance company ratings score of 903/1,000, great identity fraud protection, including reimbursement for legal fees, and a stellar customer satisfaction rating. Due to these unique qualities, both companies are positioned as competitive choices for homeowners looking for specific advantages and good value.
Spend time comparing several home insurance companies online to ensure you have the best coverage at the best cost. You can get a policy that precisely suits your needs for coverage and price by weighing your possibilities. Get started today by entering your ZIP code into our free quote tool.
Frequently Asked Questions
What makes Erie vs. Amica a strong choice for homeowners?
Amica is the best at resolving claims and offers benefits like various coverage options and identity fraud protection, while Erie provides reasonable prices and individualized local service.
How does AAA compare to Amica for homeowners insurance?
AAA offers discounts and extra benefits like roadside assistance, while Amica has a stellar reputation for its easy claims procedure and adaptable insurance options.
Which offers better value for homeowners, Erie or Safeco?
Safeco provides substantial discounts and customizable policy options, while Erie is known for its affordable prices and excellent agent service. According to Safeco’s insurance review, the company’s flexible policies and generous discount programs make it a good pick for homeowners with a wide range of needs.
What should homeowners know about USAA versus Amica insurance?
USAA serves military families with exclusive benefits and discounts, while Amica offers excellent customer service, identity protection, and home business coverage.
Which offers better budget-friendly coverage, Safe Auto or Amica?
Safe Auto provides low-cost, basic coverage, but Amica delivers greater value with premium features, superior claims service, and tailored policy options.
How does USAA compare to Erie for homeowners insurance?
USAA specializes in military-specific benefits, while Erie focuses on budget-friendly rates, personalized local service, and extensive coverage options. A USAA insurance review highlights its exclusive offerings for military families, including tailored discounts and exceptional customer support.
Are Amica insurance reviews consumer reports reliable for making decisions?
Yes, Consumer Reports is a dependable source for reviewing Amica because it offers extensive and trustworthy insights into the company’s operations.
How does Allstate compare to Amica for homeowners?
Amica is commended for its sophisticated coverage options, including home business insurance and prompt claims processing, while Allstate provides a broad range of coverage and discounts.
What sets State Farm apart from Amica for homeowners?
State Farm is well-known for its vast coverage options and huge agent network, but Amica is notable for its high client satisfaction and additional benefits like fraud protection. A review of State Farm homeowners insurance highlights the reliable alternative that the company offers.
What makes Safeco or Amica better for homeowners?
Safeco offers a variety of user-friendly savings and plans, while Amica is recognized for its responsive claims process and focus on customers.
How does Geico compare to Erie for homeowners insurance?
Erie shines out with individualized local care and reasonable pricing for comprehensive coverage, while Geico is best for economical, online-managed insurance.
How does Amica compare to Geico for homeowners insurance?
Amica leads in policy customization and claims satisfaction, while Geico provides affordable coverage and easy-to-use online tools for managing insurance. Choosing a provider like Amica or Geico, depending on your needs and budget, is essential because not having homeowners insurance can turn a small occurrence into a financial nightmare.
Which offers more value for homeowners, Liberty Mutual or Erie?
Erie offers affordable rates, first-rate local agent service, and situation-specific coverage, while Liberty Mutual offers substantial discounts and comprehensive plans.
How do AAA and Erie compare for homeowners insurance?
AAA offers membership perks like discounts and travel benefits, while Erie delivers affordable coverage paired with personalized local service.
What is the better choice for homeowners, Nationwide or Erie?
Nationwide offers diverse coverage options and strong financial backing, while Erie excels in affordable pricing and tailoring services through local agents. Erie homeowners insurance covers fire damage, ensuring protection for your property against one of the most common risks homeowners face.
Who offers better coverage for budget-conscious homeowners, Erie or Safe Auto?
Safe Auto concentrates on basic plans for low-cost customers, whereas Erie provides complete coverage with competitive pricing and first-rate service.
How does MetLife compare to Amica for homeowners insurance?
MetLife offers workplace discounts and group coverage alternatives, but Amica is known for high-quality claims service and innovative features such as fraud prevention.
Does Amica pay out claims?
Yes, Amica has a great reputation for settling claims quickly. Its highly regarded customer service supports its reputation for just and timely resolutions. Policyholders often compliment Amica for ensuring timely support when needed and for streamlining home insurance claim filing.
Does Amica have a cancellation fee?
Since Amica usually doesn’t levy cancellation fees, policyholders can terminate their plans without incurring additional fees.
Can you cash out on an Amica insurance claim?
Yes, Amica allows policyholders to receive claim payouts in cash, depending on the nature of the claim and the coverage details in your policy.
Use our free comparison tool to compare homeowners insurance rates from several companies and find the best coverage for your house.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
