Insuring with GEICO means more than just first class auto service. We can help you protect your home and personal property, too. You can learn more about homeowners insurance below, then get a free rate quote today.
Homeowners policies are designed to protect owner-occupied properties such as single family homes and townhomes. GEICO can help you obtain coverage for your condo or co-op too, but these are not covered by a standard home insurance policy.
In most cases your mortgage holder will require you to have insurance. But whether it's a quiet little hideaway in the country or a rowhouse in the heart of a bustling city, protecting such a large financial investment should always be near the top of the list when it comes to a homeowner's insurance concerns, regardless of whether it's required or not.
If your property insurance is through another provider and you've bought a new home or renovated an existing property you should definitely consider shopping for new homeowners insurance as your previous policy may no longer provide the kind of coverage you need.
Homes come in all shapes and sizes and they're all worth protecting. That's why coverage is available for a wide range of properties, from your cozy starter home to the estate you've worked a lifetime to build. With GEICO it's easy to get a quote online or over the phone (1-800-841-3005) to help secure your peace of mind.
There are different kinds of home insurance available and they typically vary based on how many families will occupy the dwelling and whether or not the owner lives there. For example, if you own and live in a single family home, you will need a standard homeowner's policy. If you rent out a property but you live somewhere else you may need a dwelling fire policy or a commercial property policy depending on how many residents there are. If you rent out your property please call us at 1-800-841-3005 to speak to a trained agent.
Home insurance policies are designed to provide financial protection in the event of damage to your home, such as fire or water damage. These coverages are usually a homeowner's main concern, but most policies don't stop there. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment. In addition you can be protected from liability as a result of homeownership, such as a visitor who slips on your steps and breaks an arm.
The standard homeowners policy covers the following:
The home insurance policy that you purchase determines which perils you are insured against. Most homeowners policies are written under the HO-3 contract form. An HO-3 is a standard form throughout the industry, so you can use this to determine if you're getting equivalent coverage along with any differences in premium or level of service.
The HO-3 contract form provides coverage for the following:
A homeowner's first insurance concerns are usually coverage for the structure of the home and liability. But did you know that many valuable additional coverages may be purchased through endorsements to your policy? For example, if you'd like increased protection for valuable items or want to protect yourself from identity theft, endorsements may provide the coverage you need.
You can increase your limits for items such as jewelry, furs, firearms, gold or silverware. For example, if you were seeking additional protection for your jewelry, you may purchase endorsements that provide:
You may purchase identity fraud protection in the event that your personal information is stolen and misused. The identity fraud endorsement will provide you with:
You may add other coverages to your homeowners policy to reflect your specific needs.
GEICO's dedication to providing outstanding customer service extends to everyone we do business with, not just our auto customers. When we help you set up a homeowners insurance policy you'll be getting more than just a great rate, you'll be getting access to some of the most knowledgeable, professional, and courteous agents in the business! We'll be right here to help you set up a policy that's right for you and assist with any changes you might need to make down the line.
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 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.
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