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Geico Renters Insurance Review 2024
![Sarah Schlichter](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2020/06/Sarah-Schlichter-headshot-square-160x160.jpg)
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
![Caitlin Constantine](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/09/Caitlin-Constantine-160x160.jpeg)
Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
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About Geico renters insurance
Geico is best known for auto insurance, covering more than 25 million vehicles, but it also offers other types of insurance through its partners. Geico renters insurance comes from third-party companies — not Geico itself — and you won’t learn which insurer you’ve been paired with until you’ve gotten most of the way through the quote process.
You may want to explore Geico’s renters insurance options if you already have car insurance with Geico. You’ll qualify for a discount by purchasing both auto and renters policies through the company.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where Geico stands out
Availability. Geico can find you a renters insurance policy in any state or Washington, D.C.
Bundling savings. You can get a discount for buying both renters and auto insurance through Geico.
Where Geico falls short
Information on coverage options. Because your coverage add-ons depend on which company you’re matched with, Geico’s website is short on details about how you might be able to customize your policy. You’ll have to get a quote to get more information.
No choice of third-party provider. Geico works with many third parties, but when you get a quote online, you won’t have a choice about which one insures you.
State availability
Geico provides renters insurance through partner companies in every state and Washington, D.C.
Geico renters insurance coverage
The Geico Insurance Agency serves as a broker that matches you with one of its dozens of renters insurance partners, including well-known companies like Liberty Mutual and Travelers. (Note that you don’t get to choose which company you’re matched with.)
The exact types of coverage available to you will depend on which third-party insurer Geico assigns to you, but standard renters policies include:
Personal property coverage in case your belongings are stolen or damaged.
Renters liability coverage for lawsuit damages, medical payments and legal fees if someone is injured on your property or you cause damage to someone else’s home.
Loss of use coverage for expenses above your normal living costs if you need to move out of your home while it’s being repaired after a disaster.
Additional coverage options vary widely depending on where you live and which insurer Geico matches you with. Based on our research, some of the following optional coverage types 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 you cope with expenses related to identity theft.
Replacement cost coverage for your belongings, so you’ll be paid the amount it would cost to purchase new items (rather than the depreciated value of your 3-year-old phone, for instance).
Additional coverage for jewelry and other valuables beyond the limits listed in your renters policy.
Earthquake coverage for those in at-risk states.
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 third-party insurer that provides your renters policy.
Note that many insurers offer discounts if your home has smoke alarms, fire extinguishers, sprinkler systems, burglar alarms or other safety features.
» MORE: Geico home insurance review
Consumer experience
Website: On Geico’s site you can get a renters insurance quote, estimate the value of your personal belongings and read basic information about coverage and discount options. You can also find contact information for Geico’s renters insurance partners.
App: Geico’s mobile app is mostly designed for its auto insurance customers. However, the third-party insurer that provides your renters insurance may have an app you can use to manage your policy.
Claims: While you can log in to your Geico account to see information about your renters policy, you’ll have to file any claims directly with the third-party insurer.
Customer service: Geico’s chatbot can answer quick questions. You can also log in to send direct messages to the company, or call 800-241-8098 to ask questions about your renters policy.
» MORE: How does renters insurance work?
Geico vs. other insurers
Here’s how Geico renters insurance stacks up against policies from other popular companies.
Geico vs. Lemonade renters insurance
The biggest difference between Geico and Lemonade renters insurance is that Lemonade sells its own policies, while Geico works with third parties. With Geico, your coverage and discount options may vary depending on which company ends up writing your policy. Both Geico and Lemonade offer bundling discounts if you buy more than one type of insurance.
The claims filing experience is an area where the companies differ. Lemonade claims are filed through its app, and some are processed instantly. With Geico, you’ll need to reach out to the third party that services your policy to file a claim.
You can get quick online quotes from both companies, but Lemonade’s renters policies aren’t available in all 50 states the way Geico’s are.
Lemonade has a unique “Giveback” program that donates a portion of its premiums to charities chosen by its policyholders. Meanwhile, Geico supports a variety of causes through the Geico Philanthropic Foundation.
Learn more with our full Lemonade renters insurance review.
Geico vs. State Farm renters insurance
The main difference between Geico and State Farm renters insurance is that State Farm sells its own renters insurance policies, while Geico works with third-party companies to offer renters insurance. State Farm isn’t currently selling new renters policies in California, Massachusetts or Rhode Island, while Geico can find you a policy in all 50 states.
Both companies have extra coverage options you can add to your base policy, but which ones are available depend on where you live. (With Geico, they also depend on which third party underwrites your policy.) Both companies offer a bundling discount if you buy auto insurance along with your renters policy.
When it comes to filing claims, State Farm gives you more options. You can file your claim online, through the State Farm app or by calling a dedicated claims line. With Geico, you’ll need to call the company that issued your policy.
Read our full State Farm renters insurance review.
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 /5 | |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. No data | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. No data | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. No data | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts |
Bottom line Best for existing Geico auto insurance customers looking for a multipolicy discount. | Bottom line Straightforward policies from a tech-centric, mission-driven company. | Bottom line The country’s biggest insurer offers solid renters insurance with lots of ways to manage your policy online. |
Geico insures cars, motorcycles and RVs, as well as other vehicles. As with renters policies, it sells homeowners, condo and mobile home insurance through third parties. Learn more about Geico car insurance.
Geico advertises premiums as low as $12 a month, but your own rate will depend on where you live, which insurer Geico assigns you and how much coverage you need. The average cost of renters insurance is $148, or approximately $12 a month, according to NerdWallet’s rate analysis.
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.
Geico insures cars, motorcycles and RVs, as well as other vehicles. As with renters policies, it sells homeowners, condo and mobile home insurance through third parties. Learn more about
Geico car insurance
.
Geico advertises premiums as low as $12 a month, but your own rate will depend on where you live, which insurer Geico assigns you and how much coverage you need. The
average cost of renters insurance
is $148, or approximately $12 a month, according to NerdWallet’s rate analysis.
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.
In This Review . . .
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