Homeowners Insurance

Homeowners insurance you can depend on.

Rest easy knowing you have the protection you need at a price you can afford.

Already got a quote? Start here.

Did you know? You can save by bundling homeowners + auto!

Get an affordable homeowners insurance quote online.

Home sweet home, it's where your heart is-and is one of your most important assets. The GEICO Insurance Agency can 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 elsewhere, you may gain even more savings by switching. Get a homeowners insurance quote.

Why do I need homeowners insurance?

  • Protects one of your most important investments
  • 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

Let us help you with a jewelry insurance policy that sufficiently 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 law suit.

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.

Save even more with discounts for homeowners insurance.

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.

Need to speak with us?

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