We Care About Your Privacy

We and our partners process data to provide:

Store and/or access information on a device. Use limited data to select advertising. Create profiles for personalised advertising. Use profiles to select personalised advertising. Create profiles to personalise content. Use profiles to select personalised content. Measure advertising performance. Measure content performance. Understand audiences through statistics or combinations of data from different sources. Develop and improve services. Use limited data to select content. List of Partners (vendors)

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more.

GEICO Homeowners Insurance Review

A homeowners insurance agency with a strong reputation

GEICO has been a part of the Berkshire Hathaway insurance family since 1996. While widely known for its auto insurance policies, through its partner network, GEICO also offers affordable homeowners insurance across the U.S. This extensive network includes established, reputable companies such as AIG, American Family, The Hartford, and Liberty Mutual.

Widely available

Has a strong reputation

Customer service 7 days a week

Types of policies vary because it’s an agency

Rates can vary depending on the partner insurer

Pros Explained

Cons Explained

GEICO Standard Home Insurance Coverage Plan

When you purchase a homeowner's insurance policy through GEICO, you get a policy through one of its partners. It's important to note that GEICO is an insurance agency for homeowners, renters, and condo insurance.

What does this mean exactly? GEICO's policies are underwritten by insurance companies that aren't affiliated with GEICO. In turn, your policy might vary depending on where you live.

You can expect a standard homeowner's insurance policy to likely include the following:

Property damage

This typically covers the cost to repair or replace damage to your house and permanently attached structures, like garages and tool sheds, due to water damage, fire, wind, and hail.

Personal property coverage

After a covered loss, this coverage helps recoup the cost to repair or replace personal belongings that were damaged or stolen. Belongings that are often covered include furniture, appliances, and clothing.

Jewelry coverage

Do you keep valuable jewelry in your home? Should it get stolen, GEICO’s policy offers limited coverage ranging anywhere from $500 to $2,000. You might need to opt for additional coverage for your engagement ring, diamond bracelet, and wedding band.

Personal liability

Personal liability coverage could help cover the legal costs should someone get injured or have their property damaged by you or your pets, or if you are faced with a lawsuit.  

Medical bills

Let’s say someone who doesn’t live with you is injured on your property. Homeowner's insurance could pay for the medical bills.

Additional expenses

This might include the costs to stay elsewhere if your home is uninhabitable due to a peril, such as a fire or a flood.

The factors that affect your rates vary according to the insurance company. But standard factors include

GEICO Home Insurance Discounts

While GEICO homeowners insurance reviews indicate that its customers are happy with policy choices and costs, you can save on your policy by doing the following:

GEICO Home Insurance Availability

GEICO’s home insurance policies are available in all 50 states. But the coverage, payment plans, discounts, and features vary by location.

Other Insurance Provided

Besides homeowners insurance, GEICO also offers the following insurance coverage: 

GEICO Customer Service 

GEICO’s homeowner's insurance customer service team can be reached through its app, online, or by phone, seven days a week. You can talk to a human Monday through Friday, 7 a.m. to 1 a.m. EST and on weekends from 8 a.m. to 10:30 p.m. EST.

If you live in Hawaii, customer service agents are available weekdays from 7:30 a.m. to 5:00 p.m. HST, and Florida residents can chat with a rep on weekdays from 8:00 a.m. to 9:00 p.m. EST.

How to Make a Home Insurance Claim With GEICO

You can make a homeowner's insurance claim in several ways: By logging in to your account and filing a claim online, or by pinning down a contact number and reaching out to the insurer by phone. 

Get a GEICO Homeowners Insurance Quote 

An initial quote can be obtained by requesting one on its website. You’ll be guided through a series of questions, including your personal information if you’re a current homeowner or in the process of buying a new home.

You'll need the location and other details like the number of bedrooms and bathrooms and the quality of the roof. Prepare to have that information handy when requesting a quote. 

Compare Other Home Insurance

As GEICO is a homeowner's insurance agency that has insurance partners, it’s a bit of a hybrid between a comparison site and an insurance company. It’s important to do your research and compare multiple insurance companies to ensure you get the right coverage at the best price for your needs.

Final Verdict

Because GEICO’s homeowner's insurance arm works as an agency, it seeks the most affordable insurance available through its partner companies. It's helpful to remember that GEICO’s homeowner's insurance coverage is underwritten by its unaffiliated insurers. The policy, rates, discounts available, and payment plans can differ depending on factors such as what coverage you choose and where you live. It's relatively easy to obtain a policy through GEICO's website and the company's presence in all 50 states makes it a convenient choice for everyone.

Frequently Asked Questions

Is GEICO cheaper than other insurance?

GEICO is cheaper than many other insurance policies. You can get better prices by taking advantage of GEICO's discounts, which you can do by bundling insurance and installing home security and smoke alarms.

Does GEICO underwrite homeowners' insurance?

No, GEICO partners with other companies that offer home insurance and does not underwrite homeowners' insurance themselves.

Does GEICO have the highest customer satisfaction for home insurance companies?

GEICO's customer service is available 24/7. It doesn't have the highest customer ratings and is closer to an average score than a high score.

How does GEICO compare to Progressive?

GEICO and Progressive both offer good options when it comes to homeowners' insurance. You can compare both companies in our comparison of the two companies.

Methodology

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of homeowner's insurance providers. We reviewed each insurance provider's coverage options, discounts available, customer service, and satisfaction to ensure that our content helps users make the right insurance decision for their needs.

NAIC. "Geico General Insurance Company."

AM Best. "AM Best Affirms Credit Ratings of Geico, Geico Corporation and Its Affiliate."