About Co-op Insurance

man sitting in living room watching tvIt's what's on the inside that counts. Co-op insurance can help protect the things in your unit that are a big part of what make it home sweet home. With proper coverage, you can have peace of mind.

At GEICO we're committed to helping you get the best coverage possible for your home, whether it's a cooperative (co-op), a single family house, or a townhouse. You can learn about co-op insurance below, then get a free co-op insurance rate quote to see how we can help you get the protection you need for both your pad and your possessions.

Why do I need co-op insurance?

You're an owner in a co-op and the corporation or association has insurance. Good to go, end of story, time to go see what's on TV—right?

Unfortunately, probably not. Your cooperative apartment corporation insurance covers the co-op building, commonly owned property, and liability insurance for the cooperative apartment corporation. But their insurance may not cover:

  • Losses to your unit as a result of a burglary
  • Smoke damage that ruins the walls in your kitchen
  • An injury sustained by someone who trips over an object in your living room

Those are just a few of the reasons why you should have co-op insurance designed specifically for co-op owners.

What does a co-op insurance policy cover?

In most instances the cooperative's coverage takes care of the exterior structure and common areas like hallways, meaning that you are responsible for your interior walls and possibly for fixtures (think sinks, counters, lights, etc.), as well as your personal property and liability exposures.

This is where your personal co-op insurance policy comes into play—bet you didn't see that one coming! Co-op policies help you protect your belongings and the inside of your unit. You'll also have liability protection for bodily injury or property damage to others.

Best of all, it's easy to get a quote for a cooperative insurance policy that will provide these coverages. Not sure how much all your possessions are worth? You can use our handy personal property calculator to estimate the value of the contents of your co-op.


The GEICO Insurance Agency will help you obtain a great rate for a co-op insurance policy. You'll also have access to our highly-trained service agents who can help with any questions or changes you might have, whether they're general or specific to co-op 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.

Co-op coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.