Homeowners Insurance

Homeowners Insurance

Switch and you could save on homeowners insurance. Get a free home insurance quote today to protect your investment.

Get a quick homeowners insurance quote

Already have a quote? Continue with a previous quote

Continue Previous Quote

What is homeowners insurance?

Homeowners insurance is a type of property insurance that provides financial protection to homeowners in the event of damage or loss to their private residence and its contents. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. If you own your home, having reliable homeowners insurance is important to safeguard against unexpected accidents or events that could lead to significant financial losses. Enjoy peace of mind by getting a homeowners insurance quote online today, and then customize your coverage with innovative discounts, support from a local insurance agent, and more.

Personalized Home Insurance Coverages

Customize your homeowners insurance with the coverages you need.

Why do you need homeowners insurance? Home insurance protects one of your most important investments and offers protection for you from accidents in your home or on your property.

Property Damage

property damage

Personal Property

personal property

Personal Liability

personal liability

Medical Bills

medical bills

Living Expenses

living expenses

Homeowners Insurance is Easy and Convenient when you get help with GEICO!

Buying, setting up, and servicing your homeowners policy is easy.

Get a Quote

We can help you tailor a policy to fit your needs and budget. Check out the links below for more information, then get your quick and easy home insurance quote online today!

Policy Service and Claims

After your policy is started, you can work with the GEICO Insurance Agency partner for help with:

Homeowners Insurance Discounts and Savings

Save even more on a home insurance policy!

See how affordable a homeowners insurance quote can be through the GEICO Insurance Agency. Check out the discount options available to save even more on a home insurance policy.

Bundle and Save

Get your car insurance and your homeowners insurance policy together from GEICO and you could receive a reduced rate on your vehicle insurance.

Start Saving

Home Security Systems

Alarm systems and cameras help protect your home and your wallet by giving you peace of mind and another discount opportunity.

Smoke Detectors and Fire Extinguishers

Smoke detectors and fire extinguishers save lives and could save you money on your homeowners insurance.

Other Types of Property Insurance

Find insurance coverage for other types of property.

Mobile Home Insurance

A mobile or manufactured home policy provides coverage for your home, personal belongings, and structures on the land you own. Start your mobile or manufactured home insurance quote today!

Flood Insurance

Flood insurance is a separate policy with additional protection to a homeowners policy, protecting you from more severe types of water damage like heavy rain, melting snow, or severe coastal storms.

Landlord Insurance

Whether you own multiple rental properties or need to sublet your home for a year while you travel for business, we can help with Landlord Insurance.

Renters Insurance

If you rent an apartment, condo, house, etc., you need renters insurance. Get a renters insurance quote today and we'll show you how easy and affordable it is to protect what you care about.

Condo Insurance

Your condo or co-op association's master policy covers the exterior structure, but not what's inside your unit. A condo insurance policy helps with an extra layer of protection. Get started with a quote today!

Home insurance resources

We're here to help

Speak with a GEICO agent about homeowners insurance.

You can reach a homeowners insurance sales agent at (800) 841-3005. Our GEICO agents are uniquely prepared to explain your coverage options, assist in finding you the best deals, and help get protection for your family. If you have any questions about homeowners insurance quotes or how to get insurance for home furnishings, contact us today.

  • Mon – Fri
    7:00 AM – 11:00 PM (ET)
  • Sat – Sun
    8:00 AM – 10:30 PM (ET)
  • Mon – Fri
    8:00 AM – 4:30 PM (HST)

Homeowners Insurance FAQ

  • Are there ways I can help protect my home?
    Preventive maintenance can save you a lot of time and money over the life of your home. This interactive guide can help you identify potential problems before they arise.
  • How much homeowners insurance coverage do I need?
    First, start by knowing what is commonly included in a homeowners policy, then identify your wants and needs to ensure you are getting the coverage you desire. While certain coverages may not be able to be changed to ensure your home is properly protected, understating what is included and knowing what protections you want will help you make the right selections when purchasing a policy.
  • What does homeowners insurance cover?
    You might need more homeowners insurance coverage and not even realize it. Here are some commonly overlooked areas that could be putting you and your family at more financial risk than necessary.
  • What risks does a homeowners insurance policy cover?
    Homeowners insurance policy coverages change based on your location, but they typically cover risks, such as:
    • Theft
    • Fire and smoke damage
    • Windstorm or hail damage
    • Falling objects
    • Frozen plumbing
    • Water damage caused by plumbing, water heaters, appliances, and heating or cooling systems
  • What determines the cost of our homeowners insurance?
    1. Replacement cost
      If your home is destroyed in a fire, how much would it cost to rebuild it? The actual cost is the replacement value. This amount includes materials, labor, inflation, and availability of building materials. Estimated replacement cost is the difference from the current tax assessment or market value of your home. This cost accounts for the actual cost to rebuild your home.
    2. Location, location, location
      Risks like extreme weather, distance to a fire hydrant, and crime rate all can impact your premium. For example, you might pay more for waterfront property or if you're located in an area prone to flooding. The cost of construction varies by region, which is another factor that determines the cost of your homeowners policy.
    3. Age and condition of specific things like the age of the roof, building materials and renovation of home systems.
    4. Your deductible amount. The higher your deductible you select, the lower your premium
    5. Home safety devices like smoke detectors, burglar alarms and dead bolt locks can help you stay safe and lower the costs
  • How can I prevent claims at my home?
    Clutter can take many shapes. Homeowners should be aware of potential risks, liabilities, and hazards before they occur. This will help to avoid future accidents.
  • What should I know about a property inspection?
    A home inspection is a routine part of the insurance process to confirm the condition of the home, location and to determine replacement cost.
    Here's what you should expect in the process
    • The inspection will be performed by a representative of your insurance company.
    • You don't have to be present for the inspection.
    • If an interior review is needed, the inspection company will schedule an appointment.
    • The inspector will look at the exterior of your home to include your yard and roof.
    • If the inspector needs to verify features impacting replacement cost, they may request to see the interior of your home.
    • Once the inspection is complete the information will be reviewed to determine if it is necessary to make any changes to your policy to ensure that your home is adequately protected.
    • If hazards are found in the inspection, the next steps will vary and may include requiring repairs or cancelling the policy.
    • To learn more 5 Questions To Ask Your Home Inspector.
  • Should I get an umbrella insurance policy too?
    Umbrella insurance gives you extra protection from accidents and lawsuits. If you injure someone or damage their property, you might not have enough coverage. An umbrella policy could save you from paying out of your own pocket.
  • Do I need flood insurance for my home?
    Do you think living far from the coast means your home is safe from flooding? The truth is floods can occur anywhere.
    Floods can occur outside of high-risk flood zones. Something else to consider, most homeowners insurance policies don't cover flood damage. You may want to consider flood insurance.

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, exclusions or any other provision 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.

Homeowners coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
The information you provide will be shared with our business partners so that they can return a quote.