Geico home insurance review: Save by bundling your home & auto policies

We recommend Geico home insurance if you’re interested in bundling your home and auto insurance policies together to score discounts on your premiums.

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By

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Geico

Geico logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

The bottom line

Geico home insurance is best for homeowners looking to bundle their home insurance policy with their Geico auto insurance policy to score a multi-policy discount. If that’s not you, we recommend working with a direct insurance carrier instead and cutting out the middleman (aka Geico).

As an insurance broker, Geico doesn’t underwrite or service the homeowners insurance policies it offers quotes for. Instead, you’ll be connected with a partner insurance company for all of your coverage, customer service, and claims filing needs.

Pros

  • Available in all 50 states

  • Bundling discount to save on home & auto insurance

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Geico places you with

  • Customer service & claims options vary by company

Basic coverages offered

Geico home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You may be able to add these additional coverages to your Geico homeowners insurance policy for even more protection, depending on the insurer you're placed with.

  • Identity theft protection: Offers coverage for credit profile tracking, notifications of high-risk transactions, lost wallet assistance, and online data protection software to ensure your identity is protected.

  • Jewelry insurance: Includes higher coverage limits for your jewelry than what a standard home insurance policy offers, as well as protection against scenarios not often covered, like if a piece of jewelry is lost or otherwise mysteriously disappears.

  • Flood insurance: Geico offers flood insurance coverage through the National Flood Insurance Program, a government program run by the Federal Emergency Management Agency (FEMA).

  • Mobile home insurance: Insure your manufactured or mobile home with the standard coverages listed in the above section, as well as additional coverage for collectibles, jewelry, sports equipment, musical instruments, and more. 

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.

  • Umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for. 

Ratings methodology

Price

3.3/5

Because Geico isn’t a direct insurance carrier, we weren’t able to score the insurer on its average cost of home insurance since rates will vary based on the partner company you’re placed with. That’s why our price rating only factors in the four discounts available when you get a quote through Geico.

Customer experience

3.4/5

Geico is middle of the pack on our customer experience rating scale. While it lands a top 10 spot on J.D. Power’s 2022 U.S. Insurance Digital Experience Study for Overall Customer Satisfaction, it doesn’t score as well on the National Association of Insurance Commissioners’ National Complaint Index Report. It earned nearly double the number of complaints in 2021 compared to other companies of its size.

Coverage options

2.3/5

Geico doesn’t score well on our coverage options rating scale due to the fact that as a home insurance broker, the different coverage options you have available will depend on the partner insurance company you’re placed with. That’s why our rating only factors in the eight additional coverage options Geico mentions on its website.

Financial strength

5.0/5

Geico scores highest on our financial strength rating scale based on high ratings from AM Best, Standard & Poor's, and Moody’s. All of these rating companies base their scores on the financial strength and solvency of a company. 

What companies does Geico use for home insurance?

When you apply for a home insurance policy through Geico, you may get connected with one of its 50+ partner insurance carriers for all of your coverage needs:

  • Adirondack

  • AIG

  • Alabama Wind

  • AllRisk

  • American Modern Property

  • ASI Progressive

  • Arrowhead

  • Assurant

  • Bay City Underwriters

  • Berkshire Hathaway Specialty

  • Cabrillo

  • Chubb

  • Citizens

  • Complex/Tower

  • Cypress

  • Farmers

  • FedNat

  • Firemans Fund

  • First Hawaii

  • Foremost

  • The Hartford

  • Heritage

  • Hippo

  • Homeowners of America

  • Homesite

  • Interboro

  • Island Insurance

  • Louisiana Citizens

  • Liberty Mutual

  • Mountain Valley

  • Narragansett Bay

  • National General

  • New Jersey Skylands

  • North Carolina Wind

  • Pacific Select

  • Palomar Earthquake

  • QBE

  • RLI (Hawaii)

  • Sagesure

  • Security First

  • South Carolina Wind

  • Stillwater

  • TAPCO

  • Texas All Risk

  • Texas Wind & Hail

  • Tower

  • Travelers

  • UPC

  • Universal Insurance

  • Wellington

  • Zephr

How much does Geico home insurance cost?

It’s difficult to nail down the average cost of a home insurance policy through Geico since your premiums will vary based on the partner insurance company you're placed with.

To give you an idea of how much you might pay, here is a look at the average annual cost of home insurance for some of Geico’s partner companies based on different dwelling coverage limits:

$100,000 policy

$200,000 policy

$300,000 policy

$400,000 policy

$500,000 policy

Foremost

$953

$1,656

$2,484

$3,500

$4,528

ASI Progressive

$1,257

$1,901

$2,618

$3,369

$4,215

The Hartford

$1,327

$1,911

$2,495

$3,014

$3,507

Travelers

$1,882

$2,768

$3,638

$4,555

$5,668

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

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What discounts does Geico offer?

Geico only mentions four available discounts on its website, which include:

  • Multi-policy: If you bundle your home and auto insurance with Geico.

  • Home security systems: If you install a home security system to lessen your risk of filing a stolen property claim.

  • Smoke detector alarms and fire extinguishers: If you install smoke detector alarms and fire extinguishers to mitigate your risk of a house fire claim.

  • Military: If you’re an active or retired member of the U.S. military, National Guard, or Reserves, you may qualify for up to 15% off your total insurance premiums.

Other discounts you qualify for will vary depending on the home insurance carrier Geico connects you with.

Geico home insurance state availability

Geico offers home insurance through its partner carriers in all 50 states and Washington, D.C.

What to expect with Geico home insurance

  1. How to get a quote: You can get a quote online through Geico’s website.

  2. Customer service options: Customer service options will vary depending on the partner insurance company you ultimately purchase a policy with. However, if you have questions during the quote process, you can reach out to a Geico customer service rep through the live chat feature on its website or mobile app, or by calling 800-424-3426. 

  3. How to file a claim: Claim filing options will vary depending on the insurance company you’re placed with. To get started, you can log in to your Geico account online or through its mobile app to find links to report your claim.

  4. How to cancel your policy: The steps to take to cancel your home insurance policy will vary based on the partner company you’re ultimately placed with. In general, you typically need to call or email your insurer’s customer service department to get started.

Geico insurance in the news

  • In January 2023, Geico ranked No. 4 on a new survey of the most-considered insurers for Americans switching home insurance companies in 2023. (YouGov)

  • In October 2022, a federal judge mandated that a class-action lawsuit that accuses Geico of overcharging over 2 million California policyholders on car insurance during the start of the COVID-19 pandemic may proceed. (Reuters)

  • In August 2022, Geico closed all of its 38 agent offices in California — opting to sell its car and home insurance policies solely online in the Golden State. (LA Times)

Geico vs. other home insurance companies

Compare Geico home insurance to other popular insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Geico

3.9/5

A++

NA

Stillwater

4.5/5

A-

$$$

Progressive

4.5/5

A+

NA

Liberty Mutual

4.3/5

A

NA

Auto-Owners Insurance

5.0/5

A++

$$

USAA

4.9/5

A++

$$

Nationwide

4.5/5

A+

$$$

Hippo

4.3/5

A-

$$

Allstate

4.4/5

A+

$$$

Amica

4.6/5

A++

$$$

Farmers

4.5/5

A

$$$

Erie

4.5/5

A+

$$

American Family

4.5/5

A

$$$

State Farm

4.8/5

A++

$$$

Homesite

4.3/5

A

$$

Encompass

4.5/5

A+

$$$$

Safeco

4.3/5

A

$$$

AAA

4.3/5

A

$$$

Mercury

4.1/5

A

$$$

Swyfft

3.5/5

A-

NA

Travelers

4.4/5

A++

$$

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Frequently asked questions

Is Geico home insurance good?

Geico home insurance may be considered good if you’re looking to bundle your policy with your auto insurance to score a discount on your premiums. Otherwise, how good your home insurance is will depend on the partner company you’re placed with.

Does Geico offer homeowners insurance in Florida?

Geico offers home insurance quotes in Florida through its partnership with Homesite.

Does Geico offer mobile home insurance?

Geico offers quotes for mobile home insurance policies through its partner companies.

Author

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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