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Katia Iervasi is a writer from sunny Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance, mortgages and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
What home insurance coverage does Geico offer?
Geico doesn’t actually sell home insurance — instead, it pairs you with a provider in its network, like Liberty Mutual, Homesite, National General and Travelers.
Coverage varies between carriers, but your policy might include:
Dwelling coverage. This covers the damage to your house and any permanent structures due to fire, wind, hail and water damage.
Other structures coverage. To complement dwelling coverage, this pays for the damage to features that are unattached to your home, like fences and driveways.
Personal liability coverage. This helps to cover the medical expenses or damages you have to pay if someone sues you after being injured on your property. It can also contribute to your legal fees.
Medical payments coverage. This pays for the medical bills for people who are injured on your property but live elsewhere.
Personal property coverage. If your belongings are stolen or damaged, this coverage pays to recover those items. Personal property can include furniture, appliances, clothing and kitchenware.
Jewelry coverage. Many of Geico’s partner insurers offer limited coverage from $500 to $2,000 to cover jewelry stolen from your home. If your jewelry collection is worth more, you can protect it with a separate jewelry insurance policy.
Additional expenses coverage. A covered loss can come with unexpected costs, like accommodation while your home is being rebuilt or repaired. This coverage kicks in to pay for those costs.
What discounts can I get with Geico?
Discounts depend on your provider, but Geico highlights three common discounts on its website:
Multipolicy discount. Bundle your home and auto insurance with Geico, and you’ll score a discount on your car insurance.
Home security systems discount. Have you installed a burglar alarm in your home? You could score a discount.
Smoke alarms or fire extinguishers discount. If your home is fitted out with these protective devices, your insurer might reduce your rate.
Typically, home insurance providers offer discounts for things like paying your premium in full, insuring a new home, and having a spotless claims history.
Pros and cons of Geico home insurance
Competitive policies. Geico is known for its budget-friendly policies, and it partners with home insurance companies that offer reasonable rates.
Solid discounts. Bundle your home and auto policy, and you can cut the cost of your Geico auto insurance.
Partners with multiple carriers. Based on your profile, Geico pairs you with the best insurer from its network. Each insurer has its own underwriting standards and risk tolerance, which may make it easier to find a policy.
Inability to choose carrier. After filling out the form, Geico gives you a quote from one of the carriers in its network. You can’t compare policies, or select a preferred provider.
Outsourced claims. Geico doesn’t underwrite its home insurance policies or service claims.
How to apply for Geico home insurance
To get a quote, follow these steps:
Go to Geico’s website. Hover over Insurance, and select Homeowners Insurance.
Enter your ZIP code and tap Start Quote.
Type in your name, date of birth and address, and check the box if you have a Geico auto policy. Select the date you want the policy to start, or tentative date if you haven’t closed yet. Click Continue.
Supply some basic information about your home, including who lives there and whether you run a business on site.
Provide further details about the condition and construction of your home, and list any protections the home has against losses — e.g. smoke detectors and burglar alarms.
Submit your application. Geico’s system will generate a quote within a minute, and you can adjust the coverage as needed. You might also get an email from an agent. If you’re happy with it, you can go ahead and officially apply.
What info do I need to apply for home insurance with Geico?
Most of the info about your home will be auto-filled based on the address, but you’ll need to confirm all the details. Have the following info handy for the application:
Personal contact details
Social Security number
Details about your property including the condition and construction of the home
The number of people who live at your home
How do I make a claim with Geico?
Once you purchase a policy, Geico’s job is done. To file a claim, you’ll need to contact your carrier directly. Depending on your provider, you may be able to make a claim online, via an app, over the phone or in person.
Alternatives to Geico
Geico doesn’t underwrite or service home insurance policies. Instead, it offers coverage through its partners, which include big names like AIG, Liberty Mutual and Homesite. The coverage, endorsements and discounts vary, so if you get a quote, it’s a good idea to do your own research on the company that’s underwriting the policy.
Frequently asked questions about Geico home insurance
To reach a home insurance rep, call 800-841-2964 on weekdays from 7 a.m. to 1 a.m. ET and weekends from 8 a.m. to 10:30 p.m. ET.
Otherwise, hop online to search for an agent near you.
On TrustPilot, Geico has 2 out of 5 stars — but most of the reviews focus on car insurance. It’s a similar story on the Better Business Bureau. The BBB has recorded 3,106 complaints in the last three years, with the majority of customers complaining about the billing and back-and-forth claims process.
Though Geico has little to do with its home insurance customers, it ranked fourth in JD Power’s 2016 home insurance study. Customers were pleased with the low rates, but they weren’t too happy with the service — which makes sense, because Geico redirects policyholders to their providers. Geico has since dropped off the list.
To get a better idea of how you can expect to be treated, look up the customer reviews for the carrier you’re matched with.
Geico sells the following types of insurance, either directly or through partner companies:
Vehicle insurance including motorcycle, ATV, RV, PWC, boat, collector auto, commercial auto and rideshare
Mexico auto insurance
Property insurance including condo, renters, condo/co-op, mobile home, landlord and flood
Other — umbrella, pet, overseas, identity protection, jewelry
Geico left the home insurance business back in 1995. According to an article in the Washington Post, home policies were declining in sales at the time and the department was “too small to manage efficiently.”
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