Geico Homeowners Insurance Review 2022

Geico’s home insurance, sold through third parties, may be right for you if you already have a Geico auto policy.
Apr 27, 2022

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Geico is one of the biggest insurers in the country, yet it technically does not offer its own home insurance. Instead it partners with third-party insurers. Customers won’t know which company the homeowners policy is from until they get a quote — which can make for a complicated customer experience. But homeowners insurance customers who already have a Geico auto insurance policy may qualify for a discount on their car insurance.

Best for: Geico auto insurance customers looking to bundle their auto and home policies.

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Geico home insurance pros and cons

Pro

Cons

Offers customers with current Geico car insurance a discount on their auto policy.

Functions as a middleman and doesn't underwrite homeowner policies.

Can’t choose which company you’ll be matched with.

Can’t manage your policy or file a claim through Geico.

About Geico home insurance

While Geico is best known for its auto insurance, it does provide the option for customers to purchase homeowners insurance through its website and agents. However, Geico functions as a broker and matches customers with third-party home insurers through the Geico Insurance Agency. This means that a homeowners insurance policy purchased from Geico will actually be from another company.

If you already have car insurance from Geico, purchasing a homeowners policy may qualify you for an auto insurance discount. However, Geico doesn’t allow you to choose the insurer you’ll be matched with. And, once purchased, you’ll have to work with the third party directly to manage your policy and file a claim — so there’s little convenience from bundling.

State availability

Geico can match you with a homeowners insurance company in all 50 states.

Geico home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

Beyond these standard coverage types, your options for customizing your policy may differ depending on which company Geico matches you with.

Discounts

Discounts from third-party homeowners insurers will vary, but a few discounts are available through Geico Insurance Agency. If you’re already a Geico auto insurance customer, you could get a discount on your auto policy for getting a homeowners policy through the company.

Other discounts may be available for homes with:

  • Home security systems.

  • Smoke detectors and fire extinguishers.

Consumer experience

Website: You can get a homeowners insurance quote from one of Geico’s affiliates or learn about various types of insurance. The site offers a list of contact numbers for the various companies in its network, which includes well-known insurers like The Hartford, Liberty Mutual and Travelers.

App: The Geico app lets you view your policy, but you’ll need a Geico auto policy to use it. You may have access to a mobile app with more robust features depending on the home insurer you’re matched with.

Homeowners insurance buying guide

You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:

  1. Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.

  2. Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.

  3. Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.

  4. Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.

How to file a homeowners insurance claim

File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.

Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.

Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.

For more information, see how to file a homeowners insurance claim.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions
What other types of insurance does Geico offer?

Geico may be best known for auto insurance, but the company offers other insurance products, including:

  • Motorcyle insurance.

  • ATV insurance.

  • Recreational vehicle insurance.

  • Boat insurance.

  • Collector auto insurance.

  • Rideshare insurance.

  • Umbrella insurance.

Does Geico have mobile home insurance?

As with other types of home insurance, Geico offers manufactured and mobile home insurance through third parties via the Geico Insurance Agency. Learn more about manufactured and mobile home insurance.

Who does Geico use for home insurance?

Geico partners with dozens of companies to offer homeowners policies, including Chubb, Homesite, Liberty Mutual and Travelers.

Does Geico have home insurance in Florida?

Geico offers homeowners policies in every state, but notes on its website that it has a “limited market” in Florida. If your home isn’t covered, see our guide to Florida homeowners insurance for other options.

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