Not rated
Not rated
Best for existing GEICO auto insurance customers looking for a multipolicy discount.
About GEICO renters insurance
GEICO is best known for auto insurance, but it also offers other policies through partners. GEICO renters insurance comes from third-party companies, not GEICO itself. You won’t learn which insurer you’ve been paired with until you’ve gotten most of the way through the quote process.
GEICO’s partners are reputable insurers, but they don’t all have the same level of customer satisfaction. For example, Assurant draws a very high rate of consumer complaints, but Travelers draws relatively few. So some people who get renters insurance through GEICO may end up happier with their policies than others.
You may want to consider GEICO renters insurance if you already have car insurance with GEICO. You’ll qualify for a discount by bundling auto and renters insurance through the company.
GEICO can find you a renters insurance policy in any state or Washington, D.C.
Best for: Existing GEICO policyholders and those who want a quick online quote.
Not ideal for: People looking to manage their renters policy through the GEICO app.
We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating for insurers that work with multiple third parties to underwrite their policies. That’s because the quality of the policy you get may vary depending on the coverage options, financial strength and other factors of each separate underwriting company.
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What GEICO renters insurance covers
The GEICO Insurance Agency serves as a broker. It will match you with one of its partners, including well-known insurers like Liberty Mutual and Travelers.
The exact coverage available to you will depend on which insurer GEICO chooses for you. However, your policy will generally include:
Personal property coverage in case your belongings are stolen or damaged.
Renters liability coverage for lawsuit damages, medical payments and legal fees. This coverage may apply if you accidentally hurt someone else or damage their property.
Loss of use coverage for expenses above your normal living costs if you need to move out of your home during repairs after a disaster.
Optional GEICO renters insurance coverage
Other coverage options vary depending on where you live and which insurer you get. Based on our research, some of the following may be available from GEICO’s partners:
Water backup coverage in case a drain or sewer line backs up into your home.
Identity fraud coverage to help with expenses related to identity theft.
Replacement cost coverage for your belongings, which makes claim payouts more generous. With this coverage, the insurer will pay enough to buy brand-new versions of stolen or damaged items. Otherwise, you’ll receive less for older items that have lost value over time.
Extra coverage for jewelry and other valuables beyond the limits listed in your policy.
Earthquake coverage for those in at-risk states.
What’s not covered
GEICO renters insurance usually won’t cover:
Flood or earthquake damage (unless you’ve bought extra coverage).
Claims related to a home business.
Intentional damage.
Where GEICO renters insurance is available
GEICO provides renters insurance through partner companies in every state and Washington, D.C.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Discounts
You can get a discount if you buy both auto and renters insurance through GEICO. Other savings available to you will depend on the company that provides your renters policy.
Many insurers offer discounts if your home has sprinkler systems, burglar alarms or other safety features.
Online tools
Website: On GEICO’s site you can get a quote, estimate the value of your stuff and learn about renters insurance. You can also find contact details for GEICO’s renters insurance partners.
Mobile app: GEICO’s mobile app is mostly designed for its auto insurance customers. You can use it to see basic details about your renters policy, but it will direct you to your third-party insurer for claims and other functions.
How to file a claim with GEICO
Claims: You’ll have to file renters claims directly with the third-party insurer.
How to contact GEICO customer service
Phone: Call 800-241-8098.
Chat: GEICO’s chatbot can answer quick questions or refer you to a live agent.
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Other GEICO products
NerdWallet's reviews of other GEICO insurance products can help you find the right coverage for your needs:
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
GEICO advertises premiums as low as $12 a month. Your own rate will depend on where you live, which insurer GEICO assigns you and how much coverage you need. See the average cost of renters insurance in your state.
Yes, fire is one of the standard disasters that GEICO renters policies cover, regardless of which third-party insurer you end up with. You’ll also generally have coverage for theft, vandalism and wind damage.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
