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6.9

Overall Score

LAST UPDATED: February 19th, 2024

Well-known for its commercials on car insurance savings, GEICO also offers home insurance quotes.

Its convenient online quote process and common discounts make GEICO worth considering for homeowners insurance.

While GEICO hasn't received many home insurance reviews on BestCompany.com, its initial reviews are largely positive. Of course, nothing conclusive can be said about the customer experience due to the limited data, but GEICO's initial reviews are a promising sign.

Read GEICO Home Insurance Reviews

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The Good

  • Convenient Quotes
  • Competitive Insurance Coverage
  • Savings Opportunities
  • Online Information for Claims

Convenient Quotes

GEICO makes it easy to view homeowners insurance quotes online. This feature makes it convenient to view insurance rates and coverage options in your area.

GEICO may not issue each home insurance policy it sells. Before buying a policy, check the company issuing the insurance policy and look at its financial strength ratings. High financial strength ratings demonstrate an insurer's financial stability and the likelihood that it will be able to pay claims. High ratings are common among competitive insurance providers.

Competitive Insurance Coverage

Although coverage specifics may vary by insurance provider, you'll be able to find coverage common for the industry through GEICO. Standard homeowners coverage includes dwelling, personal belongings, liability, and loss of use.

The circumstances in which damage to your home are protected under dwelling coverage, known as covered perils, will depend on the policy. However, most policies include coverage for fire and hail.

Liability coverage helps cover costs if someone is injured on your property or if you unintentionally cause damage to someone else's property.

Loss of use coverage helps cover living expenses if your home is uninhabitable.

Since there is some variation, be sure to thoroughly understand the terms and coverage offered before buying a homeowners insurance policy.

Savings Opportunities

GEICO offers several of the common discounts for the industry. You can benefit from discounts for home security systems, smoke detectors, and for having multiple policies through GEICO.

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Customer Review: Troy Siren from Gilbert, Arizona

"Bundled my auto and home and through Geico and saved a bunch!"

Although other companies in the industry offer additional discounts, GEICO offers some of the most common ones.

Online Information for Claims

GEICO sells policies from multiple insurers. Fortunately, you can still reference GEICO's website to get necessary information for filing a claim, like phone numbers for their partner insurers.

Be sure to have your homeowners policy details ready so you can contact the right insurer and file your claim.

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The Bad

  • Insufficient Customer Reviews
  • No Claims-Free Discount

Insufficient Customer Reviews

GEICO homeowners insurance reviews are few on BestCompany.com, so conclusions about customer satisfaction are unavailable. The limited reviews rate GEICO highly, which is a good sign. Reviewers are happy with customer service, rates, and claims processing.

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Customer Review: Jim Stewart from Queen Creek, Arizona

"Geico homeowners insurance is the best. Low rates and top notch customer service."

Best Company has many more GEICO customer reviews for auto insurance. A majority of these reviews are positive and express satisfaction with customer service. Although these reviews are for a separate insurance product, it's a good sign that GEICO's positive reviews outnumber negative ones.

No Claims-Free Discount

Some insurers offer discounts for being claims-free. Typically, these discounts are available after a set number of years. GEICO does not mention this discount on its website. If you're interested in this kind of discount, you may need to find another homeowners insurance company.

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The Bottom Line

GEICO is a helpful tool for viewing quotes and buying home insurance online. This convenience is GEICO's main advantage.

The company also offers some of the common discounts for the industry, although it does not offer a claims-free discount. 

Since GEICO's policies are issued by multiple insurers, the contact information for filing a claim is different for each. However, you can find the necessary information for each GEICO Insurance Agency partner from GEICO's website.

If you're looking for a convenient quote, GEICO home insurance is worth exploring further.

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Star Rating

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4.2

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89 Reviews

Review Breakdown

5 grade

60%

4 grade

18%

3 grade

12%

2 grade

3%

1 grade

7%

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Linda Tomball, TX

My husband and I have used Geigo for years and love the service they provide us. When he passed away, I was recomended by a friend to change to another company because my husband was a disabled Vet. What a nightmare it was. I finally canceled with them and went back to the no hassle experience we had with Geico. They took care of my cars and my house insurance without a making me get unnecessary coverage I did not need. The change back to Geico was easy and I have the coverage I need without all the hassle. There was no hassle when I told them i have solar panels either! It's a great company who cares about families and the needs we have. I highly recommend them and appreciate the personal service I received from them.

9 months ago Edited July 17, 2023

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Bhavna

Buying Geico home insurance was very easy for me. As I contacted them regarding my interest in buying home insurance form geico , they assign me an agent who helped me in underrating what will be best for me. So far I have no issue with Geico and I hope this will continue in feature as well.

8 months ago

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Moses G.N Cleburne, TX

Geico is the best insurance provider. For years they have always been by our side when we need help. Be it auto, home or any boat insurance. We continue a great relationship with Geico. Their deals will beat all competitors conditional offers. The team at Geico? The best team!

6 months ago

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Darla Wylie Brentwood, CA

I have been a customer with Geico for over 10 years. We hold several policies with them (home, auto, and other). I love this companies customer service. Everytime I call with questions about my policies I am given the answers and can understand why or how the policies are written. This is one company that has not outsourced its companies customer service, I appreciate that they are sourced in America.

9 months ago

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Bob Giovanni Toms River, NJ

I have been with Geico for 14 years. They have consistently proven themselves with claims processing, issuance of payments, coverage availability, advice and discounts. The discounts and award earnings make Geico stand-alone from other insurers. Accident forgiveness, multi policy discounts, driver education, safe driver longevity and the list goes on. Each and every time that I have dealt with Geico I was handled by a US representative who totally understood my needs without any language or knowledge barrier. They are simply the proven best of all companies that I have dealt with over the last 20 plus years.

1 year ago

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Rachel

Highly recommend. I've never has an issue whenever I've reached out to them and they have very competitive rates.

2 months ago

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Smiles Ofpatrick

Great insurance company is the best of the best yeah. Really like the ease of contacting aka customer service, as well as the integration of all the different kinds of insurance. Driving score is cool too

6 months ago Edited October 19, 2023

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Jeri Bryant

One of the standout qualities of Geico is their commitment to customer service. Every time I've had an issue or a question, their support team has been prompt, helpful, and courteous. They go above and beyond to ensure customer satisfaction.

7 months ago

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Sean DiMaria Columbia, SC

Several years ago, I switched to GEICO for my home insurance policy. They were able to save me over a thousand dollars on my premiums. Also, I appreciate getting discounts on having home security/fire alarm coverage. Being able to manage my policies via the GEICO app has made things easy when I need to download policy documents. Additionally, GEICO customer service is always available to help me make changes to my policies or if I need help with a claim. I have always found their customer service to be excellent in every aspect.

1 year ago Edited April 17, 2023

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Rafael Matthew Jamaica Plain, MA

I've been with GEICO for over 10 years and I honestly cannot recommend them enough. The customer service is always on point, their rates are incredibly competitive and they always make sure to keep me informed about new offers. Plus, their website is incredibly easy to navigate and makes policy management a breeze. GEICO is an incredible insurance company that I'm proud to be a part of.

1 year ago

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Sambhav Jain Fremont, CA

The best part dealing with Geico is their customer care. Representatives are easily available and they give enough time to listen to the issues. Even the chat bot is quite good with only required amount of AI. I always talk to the customer care and end up with best deals possible. I took home insurance through Geico and the CC representative spent time in finding the best quote for my house. Geico provide the option for customers to purchase homeowners insurance through its website and agents. Geico functions as a broker and matches customers with third-party home insurers through the Geico Insurance Agency. As of now i do not have anything which i do not like about Gieco.

1 year ago

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Alicia Arnett Louisville, KY

Great coverage options and allows mortgage company to pay directly. Very convenient.

2 months ago

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Devin Regensburger

I'm not a fan of Geico's home insurance. I had one claim on my house right after I purchased it, and they cancelled my policy without any word of why. They source their home insurance through another company, so it's not even Geico you're dealing with. They were great for car insurance, but I would not recommend them for homeowner's insurance at all.

4 months ago

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Sara Panicali

Aside from raising my monthly rate every 6 months they're the lowest compared to others I've called. Service I did need wasn't much but was exceptionally great service for the few times I needed them.

7 months ago

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MFam2023 Boston, MA

Best price on the market for insurance. Quality customer service. We have added new auto and homeowners policies seamlessly without compromising a competitive rate.

8 months ago

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Nishita McLean, VA

I currently have my home insurance with Geico, my previous insurance company was a letdown. When Geico agents heard my issue they immediately jumped in, to help me and signed me up for a better insurance policy. I feel positive that I will not regret it and have no complaints so far.

5 years ago

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Sherran Nutson Atlanta, GA

I was a GEICO customer for 6 plus years. GEICO provided professional customer service, decent auto pricing and other insurance benefits. I would return to GEICO because the services they provide meets my standards.

9 months ago

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Peter Land O' Lakes, FL

Very good phone application and portal. Very knowledgeable phone reps/sales agents. Excellent pricing. Claim process due to an accident was painless and they made the direct deposit immediately after an agreement was made.

9 months ago

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Allan Freedman Silver Spring, MD

We used Geico for our cars and added a house in 2014. The pricing was initially competitive but after a few mishaps, the prices jumped. When we called to get more information, the response was very impersonal and frankly insulting. We've held Geico policies for more than 40 years and we felt like our loyalty wasn't worthy of consideration. So we left. I priced out our policy last year and it was better pricing, but I don't trust Geico not to treat us badly again, so we'll stay with better insurers.

9 months ago

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Idris Akere Chicago, IL

Geico is one of the best insurance company, the auto policy premium is better than most of the other insurance company. I have once used Geico for my rental insurance it provides me good coverage at a reasonable amount.

11 months ago Edited May 5, 2023

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Sarma Tekumalla Mechanicsburg, PA

I have had Geico insurance for home and auto - bundled. I give their agents high ratings because they took the time to understand my needs and crafted that best policy that met my needs. Their customer service experience has been superior.

11 months ago Edited May 3, 2023

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Samarra Miller St. Petersburg, FL

I decided to switch over to Geico and my agent I have is awesome. She made sure she quoted me the right budget for my pockets. And that there was most important to me. Great service making sure I wasn't over my budget was even better

1 year ago

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Cindy Barber Tulsa, OK

Geico offered a great option for us to combine our auto and home insurance, which gave us a lower rate across the board. We've never had to use our home insurance, but knowing that we had it was a wonderful relief - especially at an expense we could afford.

1 year ago

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Elizabeth Staten Island, NY

I had Geico car insurance for 20 years. In the last year with the economic system that we’re going through I went through a rough patch and Geico billing messed everything up when I wanted to go back on Geico they would not even talk to me or help me fix the situation

4 months ago

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Robert Baltimore, MD

Their sign-up process on line is quite easy. They offer the same benefits as most other property casualty companies but I feel their rates are too high

5 months ago

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Mellissa Clark Palm Bay, FL

Geico insurance rep was super nice and very attentive. Answered all my questions, and provided me with a great quote and rate for my policy.

11 months ago

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Ebony Reid Washington, DC

I love everything about Geico they have went up quite a bit since the pandemic, but the overall customer service is great 10 years and counting!!

7 months ago

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Darleen

It was great but like any insurance, you have to keep shopping around and switching. We had them for both auto and HI and they were easy to deal with and nothin to complain about.

5 months ago Edited October 31, 2023

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KATHLEEN KOTARA Katy, TX

Have been with GEICO for over 35 years! Made the mistake of leaving for a competitor to save a little money but came back to GEICO after experiencing sub-standard "service" from competitor. I will never leave GEICO again!

5 months ago

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Honest consumer Concord, NC

Fairly new to Geico and haven't had any accident claims yet, however, we did have a truck throw a huge rock that hit our windshield causing a long deep crack and instead of being free we will have to pay $500 to get the windshield replaced! Not at all happy about this! Never heard of this before! I've had to have another car's windshield replaced about 6 years ago and it was free of charge with AllState! Wish this crack had happened when we still had them! Seriously dissapointed!

1 year ago

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Chanita Carson Dallas, TX

We have been with Geico for close to 3 years now and have no complaints. The rates are fair and the coverage is easy to understand. You can initiate a claim using the app which is very convenient.

1 year ago

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Tomas Tovias El Paso, TX

I liked Geico very much and they have excellent mobile app. What I disliked is that you have to use the mobile app for everything and you have to use the app before you can get a live person.

1 year ago

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Louis DeMatteo Columbus, OH

Excellent customer service. Their house insurance is very competitive since they have access to multiple policies. I have bundled my cars and house together for a better price and I am very happy with them.

1 year ago Edited February 8, 2023

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margaret dickens Albuquerque, NM

I feel confident knowing when I request coverage from GEICO, I will get the most competitive rates available. Every time I have shopped with other insurance companies, GEICO has had the best prices!

1 year ago

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Trish webb Phoenix, AZ

Used Geico when I first bought my house. They were lowest cost. Once my insurance was up for renewal the cost increased. I found the same thing my car insurance so I decided to leave. If ur looking for low cost I would say use them but beware to shop around before ur policy renews.

1 year ago

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Ralph Walls Wilmington, DE

Overall GEICO is a great company. I would still be with them today if it weren't so competitive a market. I really liked the way GEICO let you set your policy to truly help clients. I truly have nothing negative to say about my time with GEICO.

1 year ago Edited November 7, 2022

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Nxx Wang Mount Sinai, NY

Used home insurance for both a rental place and owned home. The online quoting was easy and I had almost everything done online or through the GEICO app. Was easy to access and make choices. Price is not the best though.

1 year ago

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Frank Herbert Los Angeles, CA

I have had my home insured for 5 years with GEICO. I have bundled the policy with my car insurance and actually save a bit of money. They are easy to deal with and it is all done on-line.

1 year ago

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Daniel Fowler

GEICO is my current insurance company. I have been with them for many years. I switched because they were the best price, and the review were really good. However, in the last year, my rates have gone up almost 40%. No accidents, no tickets, nothing. I guess it's time to move on to another company.

1 year ago

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pablo j claudio

Dry good insurance products, courteous service and easy and friendly claims processing.

3 months ago

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Stephanie Faenza Tempe, AZ

I liked geico. Used them for home insurance for my condo. Coverage was good for the price. Would use again.

8 months ago Edited September 7, 2023

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Kimberly Marasco Ft. Pierce, FL

I love GEICO! My favorite insurance company as they offer many products and at affordable prices.

3 months ago

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Sonya Parker Mesa, AZ

Geico have excellent rates, excellent customer service, and offers a wide variety of products.

5 months ago

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Michelle Charles Fredericksburg, VA

Although all car insurance companies are a little expensive right now for me this one is by far the cheapest

7 months ago

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Rhonda stewart Queen Creek, AZ

Great customer service. Great value for the money. Had geico for years. Always handles my claim professionally and efficiently

5 years ago

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Lenora Shuman Orlando, FL

I have Geico for renters insurance (along with car). I’ve been a loyal customer for over 25 years. Even when I try to get quotes from other companies they can’t match the service and price I get from Geico.

1 year ago

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Andrea Wynne Shakespeare

Geico has ALWAYS had my back and doing business with the company has been easy. Their rates are excellent. In the last several months, Geico has transitioned to online automation and it's impossible to talk to a human! As a result, we recently got a motorcycle policy and went through State Farm because we couldnt figure out how to do our iwn policy online. Without changes, we will be transitioning to State Farm, after many years with Geico.

1 year ago

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Robert Rootes Bestselling Author Fredericksburg, VA

I had GEICO for almost 20 years before we purchased a house. They claimed to include their homeowner's insurance with their car insurance to make everything easier. It was FAR from easy after that. They use an outside source for homeowner insurance, NOT GEICO. The outside policy holder NEVER bothered to attach our escrow account to the insurance plan. So, every year we had to make phone calls to get the coverage. Worst of all, when we called GEICO the customer service people said oh we don't handle homeowner insurance you have to call the other company. Even though, for home insurance the phone # was the same for both policies. It was all day affair dealing with policy issues. The insurance even sent a notice to cancel the homeowner's insurance because it wasn't paid on time, even though it was an automatic deduction from the escrow account. Nope, it was a mistake to add our home owner's insurance to GEICO and dealing with dead ends and robots on the phone, we dropped both policies with GEICO. Be warned. Never again.

1 year ago

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Amanda Milwaukee, WI

As a first time homebuyer, it was a smooth process. Received a lot of education on the different types of coverage and add-ons. Would highly recommend!

1 year ago

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Aujana Denver, CO

The agent we spoke to. Took the time to make sure we understand what we were signing up for. Also kept in contact with us to make sure we are happy with our service.

1 year ago