Geico home insurance review 2024 (2024)

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Home Insurance

Katy McWhirter

Geico home insurance review 2024 (1)

Kara McGinley

Kara McGinley

Kara McGinley

Verified by an expert

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Updated 5:43 a.m. UTC May 6, 2024

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Geico

Availability

Geico does not underwrite home insurance but the Geico Insurance Agency can match you with a homeowners insurance company

What you should know

Geico insures millions of vehicles in the U.S. but does not sell its own home insurance policies. The Geico Insurance Agency partners with other insurance companies to meet your homeowners insurance coverage needs.

Pros

  • You could get a discount if you have Geico car insurance and take out a home insurance policy with a partner through Geico Insurance Agency.
  • Geico offers several optional insurance policies for additional coverage.

Cons

  • Geico does not underwrite its own home insurance policies, instead working with third-party insurance companies, making it more difficult to estimate rates and customer satisfaction.

About Geico home insurance

Founded in 1936, Geico has grown over the last nine decades to become one of the largest insurers in the country. Geico doesn’t sell its own home insurance, but its Geico Insurance Agency partners with unaffiliated companies to help you secure a homeowners insurance policy.

If you decide to purchase home insurance through Geico Insurance Agency, its online quote tool and agents will help you find a home insurance policy that meets your coverage needs. That said, you will work directly with the issuing company to adjust your coverage settings and file claims.

You can also take out home insurance for condos and mobile homes through the Geico Insurance Agency, as well as renters insurance.

Geico home insurance coverages

Standard home insurance policies include these six forms of coverage.

  • Dwelling coverage: Pays to repair the structure of your house if it’s damaged by a problem covered by your policy, like a fire or bad weather. Dwelling coverage limits vary but should be high enough to cover the cost of completely rebuilding your house, from the ground up, after a total loss.
  • Other structures coverage: Covers repairs and rebuilds of any additional structures on your property, such as a freestanding garage or shed, if they are damaged or destroyed by a covered problem.
  • Personal property coverage: Provides reimbursem*nt for electronics, clothing, furniture and decor if they are damaged by a covered issue, or stolen. Personal property coverage usually accounts for depreciation, meaning you may receive less than it costs to replace items at the current market price. Homeowners may be able to upgrade to replacement cost coverage (which does not consider depreciation) for an additional expense, depending on the insurance company.
  • Additional living expenses: Also known as loss of use, this coverage reimburses extra expenses you incur if your house becomes unlivable due to a covered issue, such as a windstorm. Approved costs may include temporary housing, restaurant meals, pet boarding and laundry service.
  • Liability: Pays for another person’s medical expenses or repair bills if you or a member of your family is responsible for their injury or damaged property, like if a neighbor’s child is hurt in your pool. It also covers your legal defense and settlements if you’re taken to court over the matter. Liability coverage typically ranges between $100,000 to $300,000.
  • Medical payments to others: Pays medical expenses if a guest is injured, regardless of who was at fault. You can typically get up to $5,000 in coverage — it’s generally used for smaller medical emergencies for others, instead of claiming on your liability coverage.

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What does Geico home insurance cover?

A standard home insurance policy pays to repair or rebuild your house’s structure (up to policy limits and after deductibles) against all problems, unless explicitly listed as an exclusion in your policy. Floods and earthquakes are common home insurance exclusions.

For personal property coverage, home insurance will pay to repair your belongings if any are damaged by one of the specifically 16 listed problems in your policy:

  • Fire and lightning.
  • Windstorm and hail.
  • Explosions.
  • Riot or civil commotion.
  • Damage caused by aircraft (not your own).
  • Damage caused by vehicles (not your own).
  • Smoke.
  • Vandalism or malicious mischief.
  • Theft and home break-in.
  • Volcanic eruption.
  • Falling objects.
  • Weight of snow, sleet or ice.
  • Accidental discharge or overflow of water or steam.
  • Sudden and accidental tearing apart, cracking or burning.
  • Freezing.
  • Sudden and accidental damage from electrical current.

What doesn’t Geico home insurance cover?

Home insurance doesn’t pay to repair every type of damage, but you may be able to add a rider to your policy or purchase a standalone policy for excluded issues. Some common exclusions include:

  • Earthquakes, sinkholes, mudslides and other types of earth movement: If your house is damaged by earth movement such as an earthquake or mudslide, your standard home insurance does not cover repair or replacement. Geico Insurance Agency offers earthquake insurance in California, Oregon and Washington through the Arrowhead General Insurance Agency.
  • Flooding: Home insurance does not cover flood damages caused by torrential downpours, dam failures, river overflows or similar issues. Geico Insurance Agency offers flood insurance through Assurant, Wright Flood and other partners.
  • Drainage or sewage backups: If your home is damaged due to septic tank, sewer or drain backups, a drainage and sewer backup endorsem*nt can help cover repair costs and mold damage. Geico does not offer this type of endorsem*nt directly.
  • Neglect: Insurance companies require homeowners to keep their houses in good condition with regular repairs and maintenance. If a rusted pipe breaks and causes water damage due to negligence, your home insurance will not cover repairs.
  • Intentional damage: If you intentionally damage your property through arson, water damage or other means, home insurance will not cover repairs or replacement.

Other insurance offered by Geico

Because Geico works with other companies to sell home insurance, the insurer you go with may offer various additional coverages. However, you may be able to purchase the below coverages or policies through Geico that may be useful to you as a homeowner.

  • Jewelry insurance: Home insurance often falls short of covering the full value of expensive jewelry, so Geico provides separate insurance against damage, disappearance, theft and loss that covers the true value.
  • Identity protection: This type of insurance protects against identity theft and provides TransUnion credit report monitoring.
  • Umbrella insurance: If your net worth is higher than your home insurance policy’s liability coverage, an umbrella insurance policy provides additional coverage against lawsuits and slander.

Geico home insurance discounts

Because Geico works with non-affiliated insurance companies to offer home insurance, discounts will depend on individual quotes.

When requesting quotes, ask about common discounts such as:

  • Home security systems discount.
  • Smoke detector and fire extinguisher discount.
  • Loyalty discount.
  • No recent claims discount.

If you insure your vehicle through Geico, you may receive a discount on this policy when you take out home insurance through the Geico Insurance Agency.

Where can I get Geico home insurance?

Geico offers home insurance through its partners in all 50 states but maintains a “limited market” in Florida, according to its website.

Homeowners can obtain a quote by requesting one online or visiting a local Geico agent.

More homeowners insurance companies to compare

See how the best home insurance companies stack up.

HOME INSURANCE COMPANYAVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGECOMPLAINT LEVELOUR RATING

Geico home insurance review 2024 (4)Erie

$105Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (5)Erie

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$105
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (6)Westfield

$112Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (7)Westfield

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$112
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (8)Auto-Owners

$127Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (9)Auto-Owners

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$127
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (10)Nationwide

$96Low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (11)Nationwide

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$96
COMPLAINT LEVELLow
OUR RATING

Geico home insurance review 2024 (12)Progressive

$61Low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (13)Progressive

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$61
COMPLAINT LEVELLow
OUR RATING

Geico home insurance review 2024 (14)State Farm

$108Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (15)State Farm

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$108
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (16)USAA

$106Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (17)USAA

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$106
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (18)Allstate

$116Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (19)Allstate

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$116
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (20)American Family

$168Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (21)American Family

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$168
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (22)Chubb

$151Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (23)Chubb

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$151
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (24)Country

$172Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (25)Country

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$172
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (26)Farmers

$170Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (27)Farmers

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$170
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (28)Shelter

$197Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (29)Shelter

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$197
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance review 2024 (30)Travelers

$268Very low
HOME INSURANCE COMPANY

Geico home insurance review 2024 (31)Travelers

AVERAGE MONTHLY COST FOR $350,000 DWELLING COVERAGE$268
COMPLAINT LEVELVery low
OUR RATING

Geico home insurance reviews FAQs

Geico offers mobile and manufactured home insurance through non-affiliated insurance companies. Geico Insurance Agency secures these policies and you can get a quote through the Geico website.

Geico does not underwrite its home insurance policies. It partners with several unaffiliated third-party insurance companies to provide quotes for homeowners. When you receive a quote from the Geico Insurance Agency, it will list the insurance company underwriting the policy.

The Geico Insurance Agency maintains a “limited market” in Florida but does not specify those markets. If you live in Florida, locate a nearby Geico agent and ask about home insurance in your area.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Katy McWhirter

BLUEPRINT

Katy McWhirter has written professionally since 2012, garnering bylines in publications such as U.S. News & World Report, MoneyGeek, and Noodle. She is also the author of three historical biographies, including a forthcoming Spring 2023 publication. She lives in Louisville with her husband and three very bad cats.

Kara McGinley

BLUEPRINT

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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Geico home insurance review 2024 (2024)

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