Geico Homeowners Insurance Review 2024
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Geico
Pros
- Offers customers with current Geico car insurance a discount on their auto policy.
Cons
- Doesn't underwrite its own homeowners policies.
- Can’t choose which company you’ll be matched with.
- Can’t file a claim through Geico.
Geico
Pros
- Offers customers with current Geico car insurance a discount on their auto policy.
Cons
- Doesn't underwrite its own homeowners policies.
- Can’t choose which company you’ll be matched with.
- Can’t file a claim through Geico.
Choose Geico home insurance if...
Why trust NerdWallet
About Geico home insurance
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 confusing customer experience. But homeowners insurance customers who already have a Geico auto insurance policy may qualify for a discount on their car insurance.
How Geico home insurance stacks up
Where Geico home insurance stands out
Savings for Geico auto policyholders. Geico is one of the cheapest car insurers for some U.S. drivers, according to NerdWallet’s rate analysis — and by getting your home insurance through Geico, too, you may be eligible for further discounts.
Availability. Because Geico works with so many third parties, it’s able to sell homeowners insurance in all states.
Where Geico home insurance falls short
Limited information about policies. Coverage and discounts vary from one third-party to another, so Geico’s website is short on details about which options you might have for your homeowners policy. You’ll need to get a quote to see which company you’re matched with and the coverage options available to you.
Convenience of claim filing. You’ll need to reach out to the insurer that underwrites your policy, not to Geico, in order to submit a claim for theft or home damage.
How Geico home insurance works
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. 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 may need to work with the third party directly to manage your policy and file a claim — so there’s little convenience from bundling.
We recommend getting home insurance quotes from at least three companies to find the best value on the coverage you need.
State availability
Geico can match you with a homeowners insurance company in all 50 states and Washington, D.C.
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:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. 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.
For more details, see What Does Homeowners Insurance Cover?
Beyond these standard coverage types, your options for customizing your policy may differ depending on which company Geico matches you with.
What’s not covered
Homeowners insurance from Geico doesn’t cover:
Wear and tear.
Intentional damage.
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.
Another way to lower your premium is to raise your homeowners insurance deductible, the amount that will be subtracted from your payout if you ever file a claim. Just be sure to choose an amount you’d feel comfortable covering out of your own pocket.
What Reddit users say about Geico home insurance
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like homeowners insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
The comments about Geico on Reddit show occasional confusion, with users not realizing that their policy actually comes from a third party, not Geico. Reviews of Assurant, one of Geico’s third-party partners, are mixed. Some Redditors complain about rate increases on their policies. However, others note that prices are going up for other companies too, so it’s important to shop around.
Questions from Reddit: Our experts answer
Is it normal for Geico to send someone to inspect your house?
It’s common for insurance companies to inspect your home, especially when you first apply for coverage. Historically, insurers have sent inspectors out in person, but in recent years many have switched to relying on aerial images that can capture information like the state of your roof. With these inspections, insurers are looking to verify the details of your property and make sure they’re comfortable writing you a policy. Learn more about home insurance inspections.
Should I switch to Geico, or is it better to stay loyal to the same home insurer I’ve had for years?
In general, shopping around on a regular basis is a good way to make sure you’re still getting a fair price for your insurance. Although some insurance companies offer loyalty discounts for policyholders they’ve had for a while, these may not be enough to make up for a cheaper premium from another company. Some insurers sweeten the pot with welcome discounts that can help you save when switching carriers.
Digital experience
You can use Geico’s website to get a homeowners insurance quote from one of the company’s affiliates or to learn about various types of insurance. The website offers a list of contact numbers for the companies in its homeowners insurance network, which includes well-known insurers like The Hartford, Liberty Mutual and Travelers.
The Geico app lets you view your homeowners policy information. You may have access to a mobile app with more robust features depending on the home insurer you’re matched with.
How to file a claim with Geico
To file a claim, you'll need to contact the partner company that underwrites your policy. Some offer online claims reporting, while others may require you to file over the phone. Geico has a list of phone numbers and links for all its partners on its website.
How to contact Geico customer service
Geico has a chatbot that can help with quick questions. You can also log in to send direct messages to the company, or call 800-241-8098 with questions about your homeowners insurance policy.
Geico home insurance vs. competitors
Geico home insurance vs. Allstate
The biggest difference between Geico and Allstate home insurance is that Allstate offers its own policies while Geico sells through third parties. That means Allstate offers more details about coverage and discounts on its website so you know what to expect before you get a quote. Plus, you’ll file any claims directly with Allstate.
However, there are plenty of similarities. Both Allstate and Geico are among the biggest insurers in the U.S., and their policies are widely available across the country. They both offer the convenience of quotes online or by phone, and they’ll give you a discount if you bundle your car and homeowners policies.
» READ MORE: Allstate home insurance review
Current Product
|  |
|---|---|
NerdWallet rating 4.5 /5 | |
Complaints to NAIC No data | Complaints to NAIC Close to expected |
Coverage No data | Coverage About average |
Discounts No data | Discounts Great set of discounts |
Bottom line Best for Geico car insurance customers looking to bundle their auto and homeowners policies. | Bottom line Widely available across the U.S. with lots of ways to customize your policy. |
Geico home insurance vs. State Farm
The key difference between Geico and State Farm home insurance is where their policies come from. State Farm writes its own homeowners insurance while Geico offers policies through third parties. You won’t know which company is actually insuring you until you get a quote on the Geico website (or through its call center).
One nice perk that comes with State Farm homeowners policies is extended replacement cost coverage for your dwelling. Dwelling coverage is the part of your policy that pays to repair or replace the structure of your home. Extended replacement coverage is a cushion that raises your dwelling limit in case it costs more than expected to rebuild your home after a covered disaster. The home insurance company that Geico pairs you with may or may not offer this coverage — and if it does, it may cost extra.
» READ MORE: State Farm home insurance review
Current Product
|  |
|---|---|
NerdWallet rating 4.5 /5 | |
Complaints to NAIC No data | Complaints to NAIC Fewer than expected |
Coverage No data | Coverage More than average |
Discounts No data | Discounts Average set of discounts |
Bottom line Best for Geico car insurance customers looking to bundle their auto and homeowners policies. | Bottom line Well-established insurer with a lengthy list of coverage options. |
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
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