GEICO Home Insurance: Costs, Coverage, Reviews, and More
GEICO offers standard home insurance, but many customers report dissatisfaction with service and coverage.
Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
)
Written bySarah Sharkey
)
Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
)
Edited byBecky Helzer
)
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
)
Reviewed byNick Versaw
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
GEICO offers standard homeowners insurance policy options in all 50 states and Washington, D.C. Unlike other major insurers, the company doesn’t underwrite home insurance policies itself. Instead, it works with a network of third-party companies to provide the coverage you need.[1]
If you already have auto insurance with GEICO, you can save money on your home insurance through bundling and other discounts. Plus, GEICO offers flood, umbrella, and earthquake coverage as add-ons.
Despite the insurer’s wide availability and solid financial strength rating, many customers report dissatisfaction with their experience.
In this guide, we’ll explore everything you need to know about GEICO home insurance to help you determine whether it’s the best insurance company for your needs.
GEICO Homeowners Insurance Overview
GEICO connects homeowners with home insurance in all 50 states through its partnership with dozens of third-party insurers. These partners underwrite coverage for GEICO and vary based on location.
The table below highlights key information about GEICO home insurance.
Feature | Details |
|---|---|
| Availability | 50 states and Washington, D.C. |
| J.D. Power rating | Not rated |
| AM Best financial strength rating | A++ (Superior) |
| NAIC complaint index | 0, indicating no reported complaints |
| Customer service phone number | 1 (800) 207-7847 |
| Customer service email address | Contact form |
| Mailing address | Varies; available on billing paperwork |
Our Take
While GEICO offers standard home insurance options, it works with third-party partners. GEICO doesn’t underwrite homeowners insurance, which means you’ll work with a different company that will finalize your coverage and handle any home insurance claims.
What You Can Expect to Pay for GEICO Home Insurance
Home insurance costs can vary dramatically from one insurer to another. Beyond these variations, factors like your home’s age, construction, and your deductible and coverage amounts also affect your price.[2]
Since GEICO doesn't underwrite policies or sell their own home insurance product, average rate data isn't really available. Your best bet is to get a personalized quote and compare it to other well-known insurers.
See Which Insurer is Right for You
Compare personalized quotes from dozens of top companies.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
GEICO Home Insurance Reviews
Even if finding cheap home insurance is your goal, it’s wise to research what industry experts and customers have to say about a particular company. Otherwise, you might end up working with a company that’s hard to deal with or slow to pay claims.
Let’s start with customer reviews and then take a look at GEICO’s industry ratings.
Customer reviews
It’s important to know what current and former customers have to say before you decide to commit to an insurance company. If reports of bad experiences are a common theme, you might decide to choose a different option.
The table below shows GEICO’s ratings from three major review platforms.
Review Platform | Rating |
|---|---|
| Trustpilot | 1.3 out of 5 stars |
| Better Business Bureau (BBB) | 1.11 out of 5 stars |
| ConsumerAffairs | 1.3 out of 5 stars |
Overall, customers report mostly negative experiences with GEICO. A recent Trustpilot reviewer expressed frustration over the mishandling of a claim, and another mentioned extreme rate increases without any written notice.
Industry ratings
The insurance industry uses several metrics to assess an insurer’s financial stability, history of complaints, and customer satisfaction levels. Consumers can use this information to decide whether they want to work with a particular company.
Below is a glimpse into GEICO’s industry ratings.
Rating Service | Rating |
|---|---|
| J.D. Power customer satisfaction | Not rated |
| J.D. Power claims satisfaction | Not rated |
| AM Best | A++ (Superior) |
| NAIC complaint index* | 0 |
*A score of 1.0 indicates the expected number of complaints. 2.0 indicates twice the number of expected complaints.
Since GEICO doesn’t underwrite home insurance policies, the company isn’t included in J.D. Power studies. This fact might also contribute to its NAIC complaint index rating, which indicates GEICO has no complaints related to homeowners insurance.
But its high AM Best score indicates a financially stable company that’s able to pay claims.
GEICO Home Insurance Discounts
GEICO offers several home insurance discounts. These include:
Bundling discount: If you purchase two or more types of insurance through GEICO, such as home and auto insurance, you can receive a discount.
Home security discount: Installing a home security system can often earn you savings on your home insurance policy.
Safety equipment discount: While smoke detectors, fire extinguishers, and carbon monoxide detectors help keep your home safe, they could also save you money on your home insurance premium.
GEICO Home Insurance Coverage Types
GEICO offers various coverage types to consider when selecting a home insurance policy. These coverage types include:[3]
Property damage: The property damage portion of your insurance helps pay to repair or rebuild your home after a covered incident, like a wildfire or hurricane.
Personal property: Your home insurance policy covers your personal belongings (up to your policy limits) if a covered incident damages or destroys them. It can also cover your belongings if someone steals them.
Personal liability: If someone other than a family member gets hurt on your property, personal liability coverage helps pay their medical expenses. Personal liability also protects you if you damage someone else’s property.
Living expenses: If a covered event causes your home to become uninhabitable, your home insurance policy can help pay for a hotel and restaurant meals while your home undergoes repairs.
Flood insurance: Flood damage is typically excluded by homeowners insurance.[4] But if you live in a flood-prone area, you can buy a separate flood insurance policy through GEICO to cover flood damage.
Earthquake insurance: A standard home insurance policy typically excludes damage from seismic activity.[5] But GEICO offers earthquake-specific coverage.
Umbrella insurance: For liability coverage beyond the typical limits of a homeowners insurance policy, GEICO offers umbrella insurance to help protect you from lawsuits.
Mobile home insurance: GEICO offers quotes for mobile home insurance, which is a separate policy type from standard home insurance.
How to Buy GEICO Home Insurance
Here’s a look at the various ways you can buy a home insurance policy through GEICO:
Online: You can start a homeowners quote directly on GEICO’s website. To receive a quote, you’ll need to provide information about yourself and your home.
Agents: Shoppers can call GEICO at 1 (800) 841-3005 to get a home insurance quote. Agents can help you explore your coverage options.
Bundling: If you already have an auto insurance policy through GEICO, you can bundle your home and auto coverage to tap into savings.
Insure Your Home in Minutes
Get quotes from dozens of top insurance companies, quickly and easily.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
GEICO Home Insurance FAQs
For more information about GEICO home insurance, see the answers to some commonly asked questions below.
Does GEICO sell homeowners insurance?
Not directly. GEICO acts as an insurance agency to connect homeowners with home insurance options from nonaffiliated insurance companies. Although GEICO facilitates this partnership, a different company will underwrite your policy.
How much is GEICO home insurance?
GEICO doesn't actually sell its own home insurance policies. Instead, it acts as an agent to help existing customers find suitable coverage. Because of this, current rate data for GEICO isn't readily available.
How can you contact GEICO customer service?
GEICO customers can chat with customer service on the company’s website or through its mobile app. If you prefer to talk to a customer service agent instead, you can call customer service at 1 (800) 207-7847.
Who owns GEICO homeowners insurance?
Berkshire Hathaway Inc. owns GEICO, including the home insurance portion of GEICO’s business. Berkshire Hathaway also owns dozens of other companies, including See’s Candies, Fruit of the Loom, Duracell, and Dairy Queen.
Related Articles
)
)
Sources
- GEICO. "GEICO Insurance Agency: Affiliated and Non-Affiliated Insurance Companies."
- Texas Department of Insurance. "How are your auto and homeowners insurance costs calculated?."
- Insurance Information Institute. "Homeowners Insurance Basics."
- Insurance Information Institute. "Do I need flood insurance for my home?."
- Insurance Information Institute. "Earthquake insurance for homeowners."
)
Sarah SharkeyAuto Insurance Writer
Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.