Homeowners Insurance

Get a home insurance policy to protect your investment.

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With just a few clicks you can look up the GEICO Insurance Agency partner your home insurance policy is with to find policy service options and contact information.

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What is homeowners insurance?

Homeowners insurance, also known as home insurance, is a form of property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and certain other assets within your home. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. Most mortgage lenders will require a homeowners insurance policy.

The GEICO Insurance Agency could help you get the affordable home insurance coverage you need. Combining your home and auto insurance policies could save you time and money. If you currently carry homeowners insurance with another company, you could save more by getting a home insurance quote and switching to GEICO. Start a homeowners quote today.

Why do I need homeowners insurance?

  • Home insurance protects one of your most important investments
  • A homeowners insurance policy offers protection against accidents in your home or on your property
  • Most mortgage lenders require homeowners insurance

Who should carry homeowners insurance?

  • First-time home buyers
  • Current homeowners

Looking for help with renters, condo, mobile home, landlord, or flood coverage? Let GEICO help you with an insurance policy that meets your needs.

What does a homeowners insurance policy cover?

Your policy is the best place to review your coverages, but a few common items covered by homeowners insurance are:

Property Damage

Most policies cover damage to your house and any permanent structures on your property for:

  • Fire
  • Wind
  • Hail
  • Water damage (unless excluded by your policy)

Personal Property

Protects belongings that were damaged or stolen such as:

  • Furniture
  • Appliances
  • Clothing
  • Dishes (in some cases)

Our Personal Property Insurance calculator helps with deciding how much coverage fits your situation.

Jewelry

Limited coverage for jewelry stolen from your home, (usually $500 - $2,000). You may need special coverage for things in your collection like:

  • Engagement rings
  • Wedding bands
  • Diamond bracelets

We can help you with a jewelry insurance policy that covers your valuable collection.

What else may be covered by homeowners insurance?

Personal Liability

Could help with medical expenses or property damage to others caused by you or members of your household, including pets. Personal liability could also help with legal expenses in the case of a lawsuit.

Examples: A visitor trips on loose carpet in your home and gets injured; or your child accidentally throws a ball through a neighbor's window and breaks an expensive vase.

Medical Bills

Covers medical payments for minor injuries to people who don't live with you but get hurt on your property.

Example: A visitor slips down your steps on a rainy day and gets injured.

Additional Expenses

Coverage for extra costs you might have to pay when experiencing a covered loss.

Example: A fire makes your home uninhabitable and you need to temporarily live elsewhere.

What does homeowners insurance not cover?

Here are some coverage examples most standard home insurance policies may not cover:

  • Earthquakes
  • Flooding due to natural rising water
  • Maintenance issues such as termites and insect damage, rodents, mold, and general wear and tear
  • Nuclear hazard

If you live in an area that is high-risk for these types of loss, you may be able to customize your policy to get the coverage you need.

Homeowners insurance discounts could save you even more.

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.

Multi-Policy Discount

Insuring your car with us and having a homeowners insurance policy through the GEICO Insurance Agency means you could get a discount on your car insurance.

Home Security Systems

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

Smoke Detector Alarms or Fire Extinguishers

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

Setting up and servicing your homeowners policy is easy.

Policy Service and Claims

Click here to locate the GEICO Insurance Agency partner handling your policy for help with:

  • Paying your bill
  • Updating your policy
  • Claim reporting, and more

Landlord Coverage

If you own a home and rent it out, you need a specific type of homeowners insurance, called "dwelling fire" or landlord insurance. Contact a licensed agent to get a quote for this kind of policy.

Speak with a GEICO agent about homeowners insurance.

You can reach a homeowners insurance sales agent at (800) 841-2964.

  • Florida
  • Mon – Fri
    8:00 AM – 9:00 PM (ET)
  • Hawaii
  • Mon – Fri
    7:30 AM – 5:00 PM (HST)
  • All Other States
  • Mon – Fri
    7:00 AM – 1:00 AM (ET)
  • Sat – Sun
    8:00 AM – 10:30 PM (ET)

Homeowners Insurance: Get the answers you're looking for.

  • 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 coverage do I need?

    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 is dwelling insurance?

    Dwelling coverage is an important part of your homeowners or condo insurance policy. It helps you protect your residence structure and certain items attached to it. You may need to buy additional insurance to cover a fence, a detached garage, or other structure on your property.
  • Should I get an umbrella 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 too?

    Think because you don't live near the coast that 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.
  • Is there a GEICO Local Agent near me?

    We have many GEICO Local Agents across the country ready to help you with your insurance needs. Find a local agent near you.

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.

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.