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Last Updated: 04/18/2025

GEICO Flood Insurance

in Flood Insurance from GEICO

Last Updated: 04/18/2025

Rating not yet determined2 total votes

1 users recommend

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Highlights

Financial Strength Rating

A+(Verified 04/18/2025)

GEICO Flood Insurance Review

GEICO Flood Insurance is an insurance carrier based in Chevy Chase, MD. The company was founded in 1936 and offers flood insurance in 38 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.

GEICO Flood Insurance FAQ

What types of coverage does GEICO Flood Insurance offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. GEICO Flood Insurance only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

GEICO Flood Insurance customers can also add the following riders or endorsements to their home insurance policies:

Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a GEICO Flood Insurance home insurance policy?

When you ask for a quote with GEICO Flood Insurance, make sure you ask for all the discounts you qualify for.

Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with GEICO Flood Insurance.

What additional benefits does GEICO Flood Insurance offer?

GEICO Flood Insurance offers the following benefits to its customers:

Digital Claims Reporting: Never fax or mail a document again.

What is the financial strength rating of GEICO Flood Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

GEICO Flood Insurance scores an A+, SuperMoney's highest available rating.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from GEICO Flood Insurance

Government Employees Insurance Company. Puzzled, are you? Well, the name goes back to the beginnings of the company. Founder Leo Goodwin first targeted a customer base of U.S. government employees and military personnel. Today, of course, the company has grown to provide insurance to a wide range of customers, whether they're employed by Uncle Sam or the private sector. GEICO is built on ingenuity, perseverance, innovation, resilience and hard, honest work. From its humble beginnings in the midst of the Great Depression to its current place as one of the most successful companies in the nation, GEICO represents a quintessential American success story.

Since its founding in 1936, GEICO has worked to offer members of the U.S. military the most affordable insurance options. We continue to recognize the troops' important service to our country with special discount programs and service options, whether they are deployed domestically or abroad, in peacetime, or in times of conflict. GEICO is always committed to providing members of the military the service and respect that they deserve.

Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. After all, water's great in pools and on water slides but not so much in places it doesn't belong in your home. So, whether you're required to buy flood insurance or just want additional protection for your property, GEICO can help insure your investment with a flood policy through the National Flood Insurance Program (NFIP).

Contact

Headquarters

4608 Willard Avenue

Chevy Chase, MD 20815

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Hours of Operation

Sunday

Closed

Monday

8:00AM - 8:00PM

Tuesday

8:00AM - 8:00PM

Wednesday

8:00AM - 8:00PM

Thursday

8:00AM - 8:00PM

Friday

8:00AM - 8:00PM

Saturday

Closed

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