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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

AMICA · MA · 2026

Why did my Amica home insurance go up in Massachusetts?

A Amica renewal in Massachusetts is two documents: the company’s offer, and Massachusetts’s rule for how much warning a non-renewal must give. We have not confirmed the day count. Needs verification. The 2022 HO-3 average here was $1,871. That is not your premium.

MASSACHUSETTS NOTICE

Needs verification

Massachusetts’s homeowners nonrenewal notice period was not re-read from the General Laws for this review.

Full Massachusetts file

WHAT WE CONFIRMED FOR AMICA

Needs verificationNo Amica rate order, exit, or moratorium specific to Massachusetts was confirmed in this review. Search SERFF and the Massachusetts Division of Insurance filing search. The absence of a row here is not an absence of a filing.

Full Amica file

The premium context, not your bill

2022 HO-3$1,871

Northeast zone, 2024$1,396

Nonrenewals11.7 per 1,000 policies in 2024

New York does not provide Market Conduct Annual Statement data, so the Northeast illustrations in the report exclude New York. Do not read $1,396 as a New York premium. Inflation-adjusted change since 2018: 18.3% after inflation, the low end of the four zones.

Public rate filings are posted in SERFF Filing Access when a state participates. Search the company and the homeowners line. A filing is a request until the regulator acts on it. Unless a row above cites a regulator or company release, this review did not download that company’s SERFF PDF. [26]

If the admitted market will not take the house

Massachusetts FAIR plan. PIPSO counted 213,928 Massachusetts habitational policies in fiscal year 2024, one of the larger residual books in the table. The plan’s legal name is commonly the Massachusetts Property Insurance Underwriting Association. Needs verification of that name against the plan’s current site. [22]

Complaints: Massachusetts Division of Insurance.https://www.mass.gov/orgs/division-of-insurance NAIC directory

What to do this week

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Sort the likely reasons · Price the increase · Non-renewal guide

Questions people type

Why did my Amica home insurance go up in Massachusetts?

Start with two different things: a Massachusetts rate change for Amica, and a change in your own house (replacement cost, roof, claims, deductible, or coverage). The 2022 HO-3 average in Massachusetts was $1,871. It is not your premium and it is not a 2026 price. Any Amica percentage confirmed for this state is in the filings section. If that section says needs verification, nobody on this page has read a Massachusetts order for this company. [22][26]

What is the non-renewal notice rule for Amica in Massachusetts?

Needs verificationNeeds verification. This review did not confirm a Massachusetts day count, so do not invent one for a Amica letter. Massachusetts’s homeowners nonrenewal notice period was not re-read from the General Laws for this review. [27]

What should I do in 2026 if Amica nonrenews me in Massachusetts?

Count the days on the notice against the Massachusetts rule on this page, ask Amica in writing for the reason and the rating worksheet, and do not drop the current policy until replacement coverage is bound. If you cannot find an admitted policy, read the residual-market note for Massachusetts FAIR plan. Complaints go to Massachusetts Division of Insurance. [27][22]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  2. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  3. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  5. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments