Last Updated: 04/18/2025
SuperMoney User Recommendation Score +5
Mostly recommended20 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
GEICO Home Insurance Review
GEICO Home Insurance is an insurance carrier based in Chevy Chase, MD. The company was founded in 1936 and offers home insurance in 50 states (and Washington, DC).
GEICO Home Insurance FAQ
What is the financial strength rating of GEICO Home 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 Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does GEICO Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. GEICO Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
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.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
GEICO Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
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 Home Insurance home insurance policy?
When you ask for a quote with GEICO Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Fire Extinguisher in the Home
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with GEICO Home Insurance.
What additional benefits does GEICO Home Insurance offer?
GEICO Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
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 our editor
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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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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +5, or 3.1 on a 5-point rating scale.
+5
-1000+100
No one recommends
Everyone recommends
GEICO Home Insurance Community Reviews
Would you recommend GEICO Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have been using GEICO Home Insurance which is Travelers Home Insurance for years. They are the same company because I called Geico to start my home insurance and received Travelers paperwork. I am happy with them.
KA
Khawaja A.
Oct 6, 2022
May or may not recommend
The thing I love the most about them is their customer service, and in my opinion, this is the thing which impresses the most. So I would recommend it on that behalf
AW
Alicia W.
Oct 5, 2022
May or may not recommend
I used them for renters insurance back in college days. Pricing wise, they’re a bit on the higher side but if you’re looking for a well-known insurance company than choose Geico. If not, there’s probably more affordable home insurance out there.
JM
Jane M.
Sep 18, 2022
May or may not recommend
I have been using GEICO Home Insurance which is Travelers Home Insurance for years. They are the same company because I called Geico to start my home insurance and received Travelers paperwork. I am happy with them.
Joyce H.
Jun 14, 2022
May or may not recommend
Recently switched with Geico for homeowners insurance. Agent was very helpful and assisted me step by step. Was able to answer questions I'm not familiar with as a first time homeowner. Was able to bundle it with our auto insurance and brought the price lower than our previous insurance company. Only downside is the long automated recordings to be able to get to a live agent.
DS
Daniel S.
May 16, 2022
May or may not recommend
As a current customer, I am content with Geico. They took care of me when I had my deer accident. My rates didn't go up either. My only real negative experience with Geico is the limited hours of the claim adjusters.
Leigh W.
Apr 24, 2022
May or may not recommend
When compared to other insurance it was the cheapest for my renters and auto insurance. Also easy that they are both with the same company.
Katrina O.
Mar 8, 2022
May or may not recommend
Super high prices compared to other quotes, and you need to make sure you get insurance ASAP for where you're living because after a certain amount of time, they won't even consider it.
Amy H.
Feb 23, 2022
May or may not recommend
Customer service is great, but the premiums are high for the service. I never had to make a claim, but did move to another provider because of the high premiums.
BK
Brandon K.
Aug 19, 2021
May or may not recommend
Geico has some of the best rates for renters insurance. The rates are extremely reasonable and reassuring to have the additional layer of security if anything happens to your home and your personal belongings. It takes about 20 minutes to fill out all the information. You will be asked to price every valuable item. Geico is a staple for insurance and I highly recommend that you sign up today!
Andrew H.
Aug 11, 2021
May or may not recommend
Old school insurance looking for a reason not to pay.
JR
Jay R.
Jul 20, 2021
May or may not recommend
I had worked with Geico on a claim some years back and found that, though the representatives were nice enough, the company on the whole didn't really seem to have their act completely together. At least from my end, having more than one representative call me to obtain the same information bred some discomfort and unease. I no longer work with them.
MP
Myra P.
Jul 16, 2021
May or may not recommend
I don't know about home insurance, but my family only uses Geico in our apartment as well as in our car. They are accommodating and helped us a lot in fixing things and reimbursements. They are the ones calling to make sure all your concerns are answered. I strongly recommend this!
KH
Keith H.
Jul 4, 2021
May or may not recommend
Geico was honestly one of the worst companies I have ever dealt with in my entire life, every time I had an issue they just brushed me off and pretended I did not exist. Stay far away!
AO
Adebola O.
Jun 6, 2021
May or may not recommend
Their silly and unprofessional excuses when they are needed are the things I don't like about them. I've not seen a person that has benefitted from their service
SH
Shadrack H.
Apr 26, 2021
May or may not recommend
They wanted a lot for my plan, it wasn’t sounding good for what I wanted in the moment of time. But it could be beneficial for somebody else !
SL
Sally L.
Apr 15, 2021
May or may not recommend
I was told by someone at Geico they do not insure in most of Florida. I do not have their insurance currently but it was disappointing that we had our car insurance through them and couldn't bundle. We switched car insurances.
AK
Adegboyega K.
Oct 17, 2020
May or may not recommend
Home sweet home, it's where your heart is-and is one of your most important assets.
The GEICO Insurance Agency can help you get the affordable home insurance coverage you need. Combining your home and auto insurance policies could save you time and money.
But in some cases, we have them omplsin on why they couldn't show up and thus make me not confidently recommend them as they aren't staying true to ...Show More
Lyn B.
Jan 7, 2019
May or may not recommend
They'll come up with any excuse to why they will not reimburse. I had an issue with furniture and they did not cover anything so I immediately switched. I'm looking to switch from auto insurance with them as well.
Teresa B.
Feb 26, 2016
May or may not recommend
Very disappointed in Geico customer service. We missed premium payment by 10 days due to several deaths of friends and family that interrupted our normal routine. Despite explaining the unfortunate circumstances that caused our late payment, Geico refused to reinstate the policy from the due date so we could avoid a state fine for interrupted service. Aggravated, I decided to compare the premium with State Farm (which I had assumed ...Show More
Showing 20 of 20 reviews