GEICO
Not yet rated
- Available across the U.S.
- Offers GEICO car insurance policyholders a discount on their auto policy.
- No choice of which third-party company you'll be matched with.
- Not much information about coverage options on the website.
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.
You may want to explore 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.
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.
- Why doesn’t this company have a NerdWallet star rating?
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.
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
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.
Information on coverage options. GEICO’s website is short on details about how you might be able to customize your policy. You’ll have to get a quote for more information about the company GEICO matches you with.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
What GEICO renters insurance covers
The GEICO Insurance Agency serves as a broker. It will match you with one of its dozens of renters insurance partners, including well-known companies 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 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.
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 company that provides your renters policy.
Many insurers offer discounts if your home has sprinkler systems, burglar alarms or other safety features.
Your credit history can affect your renters insurance premiums. People with poor credit often pay more for renters insurance because research has shown they’re more likely to file claims.
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.
Consumer experience
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.
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.
Claims: You’ll have to file renters claims directly with the third-party insurer.
Customer service: Use GEICO’s chatbot to answer quick questions, or call 800-241-8098. You can also log in to send direct messages to the company.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
GEICO renters insurance vs. other insurers
Here’s how GEICO renters insurance stacks up against policies from other popular companies.
GEICO vs. Lemonade renters insurance
The biggest differences between GEICO and Lemonade renters insurance are:
Business structure. 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.
Claim filing. 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.
Learn more with our full Lemonade renters insurance review.
GEICO vs. State Farm renters insurance
The main differences between GEICO and State Farm renters insurance are:
Claim filing options. You can submit a State Farm claim online, through the app or by calling a dedicated claims line. With GEICO, you’ll need to call the company that issued your policy or submit online through its website.
Business structure. State Farm sells its own renters insurance, while GEICO offers policies through third parties.
Read our full State Farm renters insurance review.
Other GEICO products
NerdWallet's reviews of other GEICO insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does GEICO offer?
What other types of insurance does GEICO offer?
GEICO insures cars, motorcycles and RVs, as well as other vehicles. It sells homeowners, condo and mobile home insurance through third parties.
How much is GEICO renters insurance?
How much is GEICO renters insurance?
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.
Does GEICO renters insurance cover fire?
Does GEICO renters insurance cover fire?
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.
