Amica vs Hippo

Amica

Hippo

Homeowners insuranceLast verified Oct 1, 2026

Verified facts for Amica and Hippo, side by side
Field	Amica	Hippo
FoundedUnknown on one side	1907Source: Amica Mutual Insurance Companyverified 2026-10-01	Not verified
HeadquartersDiffers	Lincoln, Rhode IslandSource: Amica Mutual Insurance Companyverified 2026-09-30	San Jose, CaliforniaSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Insurance productsDiffers	auto homeowners renters business life Source: Amica Mutual Insurance Companyverified 2026-09-30	homeowners Source: Hippoverified 2026-09-30
Underwritten byUnknown on one side	Not verified	Spinnaker Insurance Company (Illinois); Spinnaker Specialty Insurance Company (Texas, authorized/non-admitted); Wingsail Insurance Company (Arizona, admitted)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableUnknown on one side	Not verified	Hippo Analytics Inc. is licensed as an insurance agency in 50 states and the District of Columbia; Spinnaker is licensed to write limited lines of business in 50 states and the District of ColumbiaSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States licensedUnknown on one side	Amica Mutual Insurance Company: authorized to do business in all states; Amica Life Insurance Company: all states, except Hawaii; Amica Property and Casualty Insurance Company: a limited number of statesSource: Amica Mutual Insurance Companyverified 2026-10-01	Not verified
Coverage typesDiffers	Collision Comprehensive Liability Uninsured/Underinsured motorist Personal injury protection Medical payments Roadside assistance Guaranteed asset protection (GAP) insurance Rental car reimbursement Glass Ridesharing or delivery driving Source: Amica Mutual Insurance Companyverified 2026-10-01	Dwelling coverage Personal belongings coverage Personal liability protection Loss of use coverage Source: Hippoverified 2026-09-30
Optional coveragesUnknown on one side	Not verified	Earthquake insurance Flood insurance Wind damage insurance Source: Hippoverified 2026-09-30
How to get a quoteDiffers	online phone Source: Amica Mutual Insurance Companyverified 2026-10-01	online Source: Hippoverified 2026-09-30
DiscountsUnknown on one side	Not verified	Loss-Free Discount Home Buyer Discount Theft Protection Devices Discount Affinity Discount Hail Resistant Roof Discount HOA Discount Companion Policy Discount Source: Hippoverified 2026-09-30
How to file a claimDiffers	online phone live chat Source: Amica Mutual Insurance Companyverified 2026-10-01	mobile app online portal phone Source: Hippoverified 2026-09-30
Customer service channelsDiffers	live chat phone mail email local office Source: Amica Mutual Insurance Companyverified 2026-10-01	phone email Source: Hippoverified 2026-09-30
Notable limitationsDiffers	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 Source: Amica Mutual Insurance Companyverified 2026-10-01	Claims on policies placed with a carrier other than Hippo must be filed with that carrier, not with Hippo Source: Hippoverified 2026-09-30
Financial strength ratingsUnknown on one side	AM Best: A+ (Superior) Source: Amica Mutual Insurance Companyverified 2026-10-01	Not verified

Both companies write homeowners insurance. Of the fields we have verified for either company, 7 differ and 7 are unverified on at least one side. We do not pick a winner and we do not score either company.

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