GEICO Homeowners Insurance

GEICO homeowners insurance offers an affordable alternative to the higher-priced insurance companies in the market. Best known for its inexpensive auto insurance policies, GEICO also provides a comprehensive range of homeowners insurance options along with some of the best customer service in the industry. GEICO offers its customers an array of discounts for home safety features including alarm systems, smoke detectors, sprinkler systems and deadbolts and specialty locks; this allows homeowners to save even more on their home insurance through GEICO.

Standard GEICO homeowners insurance policies cover a wide range of events that could cause damage or destruction to your home and its contents; these catastrophic events include fire, theft, storm and wind damage, hail, and lightning. Floods and earthquakes are usually not covered under a standard policy, but special coverage can often be obtained at an additional cost for these potential hazards. Liability insurance is also included for accidents that occur on your property; this can shield your home from loss due to lien or litigation and protect you against expensive medical fees. The contents of your home are also covered by GEICO homeowners insurance; depending on the policy you choose, either the fair market value or the replacement cost of the lost items will be covered. Replacement coverage is more expensive, but offers significantly better coverage in the event of a catastrophic loss. Most policies also offer reimbursement coverage for living expenses while your home is being repaired or rebuilt after sustaining damage due to a covered event.

Most standard GEICO homeowners insurance plans cover up to $2,000 for stolen jewelry; for customers who need additional contents insurance or who wish to insure valuable items at a higher rate of coverage, GEICO offers endorsements to the standard policy. These endorsements cover diverse items like fine art, gold and platinum, guns, silverware, and other items of value; depending on the coverage chosen, there may be no deductible for losses insured by endorsement. GEICO offers a full range of insurance for homeowners at a reasonable cost, allowing its customers to enjoy the peace of mind of knowing their largest investment is fully protected and secure from financial loss.

Last Modified: 05 December 2009