About Homeowners Insurance

Insuring with GEICO means more than just first class auto service. We can help you protect your home and personal property, too. You can learn more about homeowners insurance below, then get a free rate quote today.

Who needs homeowners insurance?

  • Whether it's a quiet little hideaway in the country or a rowhouse in the heart of a bustling city, protecting such a large financial investment should always be near the top of the list when it comes to a homeowner's insurance concerns.
  • Anytime you buy a new home or renovate your existing property you'll want to shop for homeowners insurance.
  • Homes come in all shapes and sizes and they're all worth protecting. That's why coverage is available for a wide range of properties, from your cozy starter home to the estate you've worked a lifetime to build. With GEICO it's easy to get a quote online or over the phone (1-800-841-3005) to help secure your peace of mind.

What does homeowners insurance cover?

Homeowners policies are designed to provide financial protection in the event of damage to your home, such as fire or water damage. These coverages are usually a homeowner's main concern, but most policies don't stop there. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment. In addition you will be protected from liability as a result of homeownership, such as a visitor who slips on your icy steps and breaks an arm.

The standard homeowners policy covers the following:

  • The physical structure of your home, permanent structures on your property, and your personal property.
  • Personal liability exposures that arise from being a homeowner.
  • Additional costs that you may incur as a result of a covered loss, such as a fire in your home that makes it uninhabitable.

The home insurance policy that you purchase determines which perils you are insured against. Most homeowners policies are written under the HO-3 contract form. Form numbers are standardized, so if you purchase HO-3 insurance, you'll get the same coverage regardless of your insurance provider. The HO-3 contract form provides coverage for the following:

  • Broad coverage for your dwelling. Damage to your dwelling from most causes is covered unless it is specifically excluded.
  • Damage to your personal property for "named perils" only. Your personal property is covered only against the perils specified in the contract.
  • Limited coverage for jewelry that is stolen. Coverage is usually $500 to $2,000, depending on your state of residence. Most policies don't cover jewelry that is lost.

Endorsements Provide Additional Coverage

A homeowner's first insurance concerns are usually coverage for the structure of the home and liability. But did you know that many valuable additional coverages may be purchased through endorsements to your policy? For example, if you'd like increased protection for valuable items or want to protect yourself from identity theft, endorsements may provide the coverage you need.

Additional protection for valuables

You can increase your limits for items such as jewelry, furs, firearms, gold or silverware. For example, if you were seeking additional protection for your jewelry, you may purchase endorsements that provide:

  • Additional coverage for your jewelry beyond the amount covered in a standard policy.
  • An increase in the perils insured against, for example, a misplaced piece of jewelry, or a stone that falls out of a setting.
  • No deductible before losses for jewelry are covered.

Identity fraud protection

You may purchase identity fraud protection in the event that your personal information is stolen and misused. The identity fraud endorsement will provide you with:

  • Access to a consumer fraud specialist who can help you set up credit reporting and monitoring.
  • Up to $25,000 towards lost wages, attorneys' fees, and other costs incurred while clearing your name.
  • Coverage for just $25 a year with no deductible.

You may add other coverages to your homeowners policy to reflect your specific needs.

Managing your policy

Please call us at 1-800-841-3005 to discuss your coverages, pay your bill, or make other changes. You can also access some services online.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Contact Us

By phone
Find a phone number

By mail
Find a GEICO address

Learn More

Get a homeowners insurance quote

Insurance Terms