Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Geico renters insurance review

Expect a standard renters policy from coverage to customer service to rates.

  • Get a quote if you’re already a Geico customer or are curious about rates.
  • Pick something else if you want extra coverage and features.
  • All kinds of renters can apply.

All 50 states

Available states

24/7 claims

Online quotes



  • 24/7 online claims and account management
  • Provider transparency
  • Insurance bundling


  • Policies not underwritten by Geico
  • Coverage and experience varies
New home discount discount No
New homeowner discount No
Home safety features discount Yes
New policy discount Yes
Bundling discount No
No claims discount No
Other discounts Multi-policy
Personal property coverage Yes
Valuable personal property Yes
Theft coverage Yes
Fire coverage Yes
Flood coverage Yes
Identity theft coverage No
Homesharing No
Dwelling coverage No

Review by

Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Geico renters insurance sticks to the standard coverage you’d expect from any renters policy. Because the company doesn’t underwrite these policies itself, your experience with customer service or claims can vary based on your area and the underwriting insurance company.

What renters insurance coverage does Geico offer?

Geico renters policies can include a variety of coverage if they’re offered in your area. Those include:

  • Personal liability for legal expenses
  • Damage to property of others
  • Medical payments
  • Additional living expenses
  • Personal property
  • Scheduled personal property
  • Contents replacement cost
  • Water sewer backup
  • Home business liability
  • Business merchandise for storing business products at home
  • Earthquake or wind and hail — not covered in every area

What renters insurance discounts can I get with Geico?

A few standard discounts you might see:

  • Multipolicy
  • Theft alarms
  • Living in a secure community
  • Sprinklers
  • Smoke alarms

Pros and cons of Geico renters insurance


  • Make policy changes online. Some renters policies don’t let you update your coverage or address online, but Geico does.
  • Provider transparency. Geico lists all the companies that underwrite its renters policies and lets you know up front that coverage varies by provider.
  • Insurance bundling. Geico offers multiple insurance products that you can manage with one account.


  • Policies not underwritten by Geico. Geico offers this coverage backed by multiple underwriters.
  • Coverage and experience varies. Because policies aren’t directly through Geico, the coverage offered and customer experience may differ based on the provider.

Which providers underwrite Geico renters policies?

Geico offers policies backed by a variety of insurance companies, and several are popular names. Those include:

  • Adirondack
  • AIG
  • Arrowhead
  • ASI
  • Assurant
  • Chubb
  • FedNat
  • First Hawaii
  • The Hartford
  • Hawaii Insurance and Guaranty Company, Limited
  • Heritage Property and Casualty Insurance Co.
  • Homeowners of America
  • Homesite
  • Interboro
  • Island Insurance
  • Liberty Mutual
  • Mountain Valley
  • National General
  • New Jersey Skylands
  • Privilege Underwrites Reciprocal Exchange
  • QBE
  • RLI
  • RLI (Hawaii)
  • Sagesure
  • Security First
  • Stillwater
  • Tower National General
  • Travelers

Case study: Geico renters insurance through Assurant

profile pic

Roslyn McKenna

Car insurance Publisher

I signed up for a Massachusetts renters policy with Geico because it was required by my apartment complex. The policy was underwritten by Assurant, but you can see most of the details of your policy from your Geico account. The online account management makes it easy to see your bill and coverage, though you’ll have to log in to the Assurant portal to cancel coverage.

My policy was $146 for a 12-month policy, or $12 per month, with lower rates for bundling renters coverage with my car insurance. The policy included a $500 deductible and $10,000 personal property, $100,000 personal liability, $1,000 medical payments and $2,000 loss of use coverage. Some of that coverage was included automatically.

How to apply for Geico renters insurance

Apply for your Geico renters policy online, by phone or even through limited local offices.


  1. From the renters webpage, enter your ZIP code and click Start quote.
  2. Select your reason for getting a quote. Skip or click Next.
  3. Enter your personal information and hit Next after each question.
  4. Once you’ve answered the questions and read the disclosure, then agree to the terms.
  5. Receive your quote, review your coverage and policy details. If you like what you see, click Purchase.
  6. Enter your payment information and finalize your policy.

Phone. Call 800-841-2964 to get a quote from a representative.

Local agent. Contact a local agent by searching through the agent locator, if one is available near you.

What info do I need to apply for renters insurance?

You’ll need to know a few basic points to complete your application:

  • Name
  • Date of birth
  • Home address
  • Current policy number, if known
  • Email
  • Home type
  • Number of claims in the last three years
  • Acknowledge aggressive pets
  • Policy start date
  • Coverage needed
  • Bank account or credit card info

Alternatives to Geico

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Lemonade home insurance
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
USAA home insurance
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Kin home insurance
Get coverage fast with policies designed to protect coastal homes.
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.

Compare up to 4 providers

A Geico renters policy might work well if you use this provider for its other insurance products and want the convenience of managing policies in one place. Otherwise, consider other renters insurers if you’re looking for wider coverage or top-rated service.

Frequently asked questions about Geico renters insurance

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site