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Geico Homeowners Insurance Review 2020

July 22, 2020
Homeowners Insurance, Insurance
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Geico’s homeowners insurance comes from third parties. 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.

 

ProCons
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 homeowners 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.

» MORE: Find the best homeowners insurance

Geico homeowners insurance coverages

Since Geico functions as a middleman and matches you with third-party home insurers, the coverages available may differ from company to company. But all homeowners policies should offer the standard coverages: property damage, personal property, jewelry, personal liability, medical bills and additional expenses.

» MORE: What does homeowners insurance cover?

Geico homeowners insurance 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.

» MORE: How to save on homeowners insurance

More about Geico

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

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

Other insurance: As with homeowners insurance, you can purchase Geico renters insurance through third parties. Other types of insurance from Geico:

Auto insuranceMotorcycle insurance
ATV insuranceRecreational vehicle insurance
Boat insuranceCollector auto insurance
Rideshare insuranceUmbrella insurance

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