Amica Insurance is introducing a new homeowners program in Oregon on December 1, 2025, affecting 12,705 policyholders and $17.3 million in written premium. While rate-neutral overall, the update adds modular optional coverages—such as buried utility lines, family cyber protection, equipment breakdown, and matching roof and siding protection—alongside rating rule changes. Amica is partnering with Travelers for equipment breakdown and utility line coverage and with Berkley for cyber coverage, positioning its pricing below select competitors.