GEICO, which stands for Government Employees Insurance Company, was founded by Leo Goodwin to serve U.S. government employees and military personnel. The company has grown to become the third-largest private passenger auto insurer in the United States and employs more than 28,000 associates. In 1996, GEICO became a wholly owned subsidiary of Berkshire Hathaway Inc., headed by Warren Buffett.
GEICO Home Insurance Review
Updated: October 29, 2025
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Key Takeaways
GEICO offers three additional coverage options, including flood insurance and earthquake insurance.
The company provides three discount programs, including military discounts and emergency deployment discounts.
GEICO has served customers for 85 years and maintains a 97% satisfaction rating from personal auto policyholders.
GEICO Home Insurance: Quick History
What Does GEICO Homeowners Insurance Cover?
GEICO homeowners insurance includes the six standard home insurance coverages that pay for damage to your property and liability when someone gets injured on your property.
Dwelling Coverage
Dwelling coverage covers the cost to repair or rebuild your house after covered events like fires, windstorms or vandalism damage the structure. This includes your roof, walls, foundation and built-in appliances or fixtures.
Other Structures Coverage
Other structures coverage handles repair costs for standalone structures like garages, sheds, fences and detached workshops. This protection extends to swimming pools, barns and other buildings not attached to your home.
Personal Property Coverage
Personal property coverage pays to replace your possessions, like as apparel, electronics, appliances and furniture, in the event that covered perils destroy or damage them. Whether your belongings are damaged on your property or outside of it, this coverage is still in effect.
Personal Liability Coverage
Personal liability coverage pays settlements and legal fees in the event that visitors are hurt at your house or that you damage someone else's property. Attorney fees, court costs and judgments against you are all covered by this protection.
Medical Payments Coverage
Even if you weren't at fault, medical payments coverage pays for emergency medical expenses for anyone hurt within your property. Small medical expenses, including doctor visits, prescription drugs and first aid are covered by this insurance.
Loss of Use Coverage
Loss of use coverage covers additional costs, such as lodging and food expenses, that you incur when insured damage compels you to temporarily relocate. Storage fees, higher commuting costs and other expenses that are above your typical living expenses are covered by this insurance.
Optional Home Insurance Coverages from GEICO
The best home insurance providers offer endorsements to supplement your policy — GEICO provides three, but coverage availability depends on your state. An endorsement is a policy addition that extends protection beyond standard coverage for specific risks or valuable items.
Review the table below to see which endorsements fit your needs.
Flood Insurance | Covers severe water damage from heavy rain, melting snow, coastal storms and other flooding events not included in standard policies |
Umbrella Insurance | Extends liability protection beyond your standard homeowners policy limits to provide additional coverage for accidents and lawsuits |
Earthquake Insurance | Covers damage to your home and belongings caused by seismic activities and ground movement from earthquakes |
What Does GEICO's Home Insurance Not Cover?
GEICO's standard home insurance policy excludes specific perils and situations from coverage. You can purchase some excluded coverages, such as flood and earthquake protection, as add-on endorsements for extra premium.
Certain Natural Disasters
Standard policies exclude flood damage and earthquake damage from coverage. GEICO offers both flood insurance and earthquake insurance as optional endorsements you can add to your policy for additional protection.
Intentional or Preventable Damage
Your policy won't cover damage you cause on purpose or damage that results from neglecting your home's maintenance. This includes wear and tear, deterioration and damage from pests like termites or rodents.
High Value Items
Standard coverage limits may not fully cover expensive jewelry, art, collectibles or other valuable possessions. You'll need to purchase additional coverage to fully protect these items since GEICO doesn't offer scheduled personal property endorsements.
GEICO Homeowners Insurance Discounts
GEICO offers three discounts to help you save on homeowners insurance, but discount availability varies by state, so contact an agent to confirm which savings apply to your policy.
Multi-policy discount | Bundle your car insurance and homeowners insurance policy together from GEICO and you could receive a reduced rate on your vehicle insurance |
Home security insurance discount | Alarm systems and cameras help protect your home and your wallet by giving you peace of mind and another discount opportunity |
Safety equipment homeowners insurance discount | Smoke detectors and fire extinguishers save lives and could save you money on your homeowners insurance |
Military discount | Active duty members, retirees, National Guard and Reserves members qualify for up to 15% off their total insurance premium |
Emergency deployment discount | Military members who deploy to imminent danger pay areas designated by the Department of Defense can receive a discount when they store their vehicle under an approved storage protection plan |
Membership discount | Members of specific military professional associations and organizations can save on their insurance rates |
How to Buy GEICO’s Homeowners Insurance
GEICO makes it easy to buy homeowners insurance online via their website or through an insurance agent available at (800) 841-3000. The company compares quotes from multiple trusted providers to help you find the right coverage at a suitable rate.
- 1Calculate Your Coverage Needs
Figure out the home insurance coverage limits you need by calculating what it would cost to rebuild your home and replace your possessions. Prepare a detailed home inventory listing your belongings to help you choose appropriate personal property coverage amounts.
- 2Request a Quote Online or Through an Agent
Visit GEICO's website or call (800) 841-3000 to get a homeowners insurance quote. Provide information about your home, including its age, square footage, construction type and location to receive accurate pricing.
- 3Compare Policy Options
Review GEICO's coverage limits, premiums, deductibles and other policy features to find the right balance between protection and affordability for your situation.
- 4Apply for Discounts
Inquire about discount opportunities that can lower your premium, particularly if you're a military member or are interested in bundling several insurance policies together.
- 5Review and Finalize Your Policy
Read through your policy documents carefully to verify coverage limits, deductibles and exclusions match your needs. Sign your application and make your first payment to activate your coverage on the specified start date.
How to File a Homeowners Insurance Claim with GEICO
You can file a home insurance claim with GEICO by visiting their website or calling (800) 841-3000 to report damage to your property. GEICO provides 24-hour service, seven days a week, 365 days a year for claims assistance.
- 1Report the Claim
Contact GEICO as soon as possible after discovering damage to your home by calling (800) 841-3000 or filing online. Provide basic information about what happened, when the damage occurred and what parts of your property were affected.
- 2Document the Damage
Before repairing or cleaning up any damaged areas, take pictures and videos of them. To bolster your claim, compile a thorough list of any damaged or destroyed items, together with an estimate of their age and value.
- 3Schedule an Inspection
GEICO will assign an adjuster who will call to set up an inspection appointment at your home. Meet with the adjuster to show them the damage and answer questions about how the loss occurred.
- 4Review the Settlement and Repair Process
The adjuster will send you a settlement calculation that explains how much GEICO will pay for your claim. After you approve the settlement, use the funds to repair your home or replace your damaged property as outlined in your policy.
Other GEICO Products
Beyond home insurance, GEICO sells multiple insurance products for your personal and business needs. GEICO Insurance Agency can help you find coverage for different types of property, vehicles and liability risks.
Property insurance | GEICO offers landlord insurance for rental properties, renters insurance for tenants, condo insurance for condo owners and mobile home insurance for manufactured homes |
Vehicle insurance | GEICO provides auto insurance, motorcycle insurance, ATV insurance, RV insurance, boat and PWC insurance, collector auto insurance, commercial auto insurance and Mexico auto insurance |
Business insurance | GEICO sells business owners insurance, general liability insurance, professional liability insurance, cyber liability insurance, workers' compensation insurance, medical malpractice insurance and wellness and fitness insurance |
Additional insurance | GEICO offers umbrella insurance, life insurance, travel insurance, overseas insurance, identity protection insurance, pet insurance, mobile device protection, jewelry insurance, event insurance and bicycle insurance |
GEICO Home Insurance Review: Bottom Line
GEICO Insurance Agency offers homeowners insurance with three optional coverages, including flood insurance for water damage and earthquake insurance for seismic events. The company also provides six discount programs, including a multi-policy discount when you bundle home and auto insurance and home security discounts for having alarm systems and cameras installed.
GEICO Home Insurance: FAQ
Find answers to common questions about GEICO's homeowners insurance coverage, discounts and claims process.
What types of homeowners insurance coverage does GEICO offer?
GEICO offers standard homeowners insurance with six core coverages: dwelling, other structures, personal property, personal liability, medical payments and loss of use. The company also provides three optional endorsements, including flood insurance, umbrella insurance and earthquake insurance.
What discounts does GEICO offer for homeowners insurance?
GEICO offers six discounts for homeowners insurance, including a multi-policy discount when you bundle home and auto coverage, home security discounts for alarm systems and cameras, and safety equipment discounts for smoke detectors and fire extinguishers. Military members can save up to 15% through the military discount, emergency deployment discount and membership discount programs. Discount availability varies by state, so ask your agent which savings apply to your policy.
Does GEICO homeowners insurance cover flood damage?
Standard homeowners insurance from GEICO doesn't cover flood damage, but you can purchase flood insurance as a separate endorsement.
How do I file a homeowners insurance claim with GEICO?
File a homeowners insurance claim with GEICO by contacting the company at (800) 841-3000 or submitting your claim online. GEICO provides round-the-clock claims service every day of the year. Take photos of the damage, schedule an inspection with the adjuster and review the settlement offer to complete the claims process.
Home Insurance Review for GEICO: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- GEICO. "Homeowners Insurance." Accessed October 21, 2025.
- GEICO. "GEICO At A Glance." Accessed October 21, 2025.
- GEICO. "Bundle Auto and Home Insurance - Get a Quote." Accessed October 21, 2025.
- GEICO. "Military Discounts For Your Insurance Needs." Accessed October 21, 2025.