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See how affordable your homeowners insurance can be.
Homeowners insurance, also known as home insurance, is a 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 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 have 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 for you from 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
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:
What other risks may be covered by home insurance policy?
What isn't covered by a typical homeowners insurance policy?
Here are some examples of things most standard home insurance policies may not cover:
- Flooding from naturally rising water
- Maintenance issues like termites and insect damage, rodents, mold, or general wear and tear
- Nuclear hazard
If you live in an area that is high-risk for any of 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.
Buying, setting up, and servicing your homeowners policy is easy.
Find insurance coverage for other types of property.
Speak with a GEICO agent about homeowners insurance.
You can reach a homeowners insurance sales agent at (800) 841-2964.
Mon – Fri8:00 AM – 9:00 PM (ET)
Mon – Fri7:30 AM – 5:00 PM (HST)
All Other States
Mon – Fri7:00 AM – 1:00 AM (ET)
Sat – Sun8:00 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 homeowners insurance 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.
How can I prevent claims at my home?Clutter comes in many forms; vigilant homeowners should recognize potential hazards, liability and other risk before they happen to prevent future accidents.
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.
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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.