Geico Home Insurance Review: Is It From Geico or Another Company?

While Geico advertises that it sells home insurance, the insurer doesn’t underwrite your policy. Geico partners with national and regional home insurance companies to offer coverage.

What company does Geico use for homeowners insurance? That depends on where you live and the types of home insurance you need. Popular partners include Travelers and American Family, but Geico home insurance reviews may actually refer to a number of different companies that vary based on regional availability.

We know that’s confusing, and we are going to clear it all up. Read on for Geico homeowners insurance reviews that cover how it works and which companies will handle your policy and claims.

Geico Home Insurance Company List

When you request Geico home insurance quotes, you’re getting policies from a list of Geico’s affiliated partners. So where does a Geico home insurance policy actually come from? Geico partners with some of the best homeowners insurance companies in the country to underwrite its policies.

If you’re an existing Geico customer, take a look at your home insurance policy. You will likely see the name “Geico General Insurance Agency” or something similar on the top or bottom of the page in large letters and a different company’s name in smaller font somewhere else. You may see the name of a familiar insurer:

• AIG
• American Family
• Chubb
• The Hartford
• Homesite
• Liberty Mutual
• Safeco
• Travelers

Geico’s website has a page with all of their affiliated and non-affiliated homeowners insurance partners should you need to pay a bill, make a change, file a claim, or gather some information. There are about 30 insurers on that list, so compare home insurance quotes from all of them before buying from Geico. Use our guide to learn how to switch homeowners insurance companies.

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Types of Geico Home Insurance Coverage

Geico homeowners policy options also include additional coverages like personal liability, medical expenses coverage, and additional living expenses coverage.

If you choose to get a homeowners policy from Geico, the following coverage options are available:

• Property damage coverage
• Personal property coverage
• Liability coverage
• Jewelry coverage

You will need to look at the language in your policy contract to know for sure what will be covered. For instance, depending on where you live, water damage from a flood may not be covered in your standard homeowners insurance policy — you may need a separate flood insurance policy.

Learn More: Is flood insurance mandatory?

How to Get Geico Home Insurance and Auto Bundles

Since you’re entitled to save money by bundling insurance policies, you might be wondering if Geico is one of the top car insurance companies that bundle renters and auto. The good news is that Geico home insurance bundle rates are cheaper than $100/mo.

The other kinds of coverage Geico offers to bundle include:

• Life insurance
• Motorcycle insurance
• Boat insurance
• Business owners policy
• Professional liability
• Umbrella insurance
• Pet insurance

You can also get valuable coverage through Geico’s jewelry insurance options, and it’s very popular for auto insurance.  For example, Geico still offers a bundling discount on car insurance, even though it’s written by another company, so be sure to find out what Geico auto insurance discounts are available.

Read More: Compare Allstate vs. Geico Car Insurance

Geico Home Insurance Claims Review

Since Geico doesn’t underwrite home insurance policies, note who your partnered provider is. Many of Geico’s partners score high in J.D. Power’s annual property claims satisfaction survey, including Chubb and The Hartford. AIG, another partner also remains in the top five home insurance companies for customer service.

Ease of Filing a Claim

The Geico insurance claims process offers convenience through various channels, including online submissions, phone assistance, and user-friendly mobile apps. Policyholders can choose the method that suits them best, ensuring a hassle-free experience when filing a claim.

Average Claim Processing Time

While specific processing times may vary depending on the nature of the claim, Geico is committed to efficient processing. On average, policyholders experience timely responses and quick resolutions, allowing them to restore their homes and lives promptly after an incident.

Customer Feedback on Claim Resolutions and Payouts

Geico has garnered positive feedback from customers regarding their claim resolutions and payouts. The company’s dedication to customer satisfaction is reflected in the promptness and fairness of their settlements. Policyholders appreciate the smooth claims process, which enhances their overall experience with Geico home insurance.

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Geico Home Insurance App Review

The Geico insurance mobile app is highly rated with customers, scoring 4.6/5 on the Google Play Store and 4.8/5 on the Apple App Store.

Mobile App Features and Functionality

Geico’s mobile app offers a range of features tailored to enhance the user experience. From policy management to claims tracking, the app provides a seamless interface for customers. Users can easily access policy documents, initiate claims, and receive real-time updates, making it a valuable tool for managing their home insurance needs on the go.

Online Account Management Capabilities

Geico’s online account management portal empowers policyholders with comprehensive tools to manage their insurance policies effectively. Through the secure online platform, customers can review policy details, update information, monitor claims progress, and make payments.

The intuitive interface ensures effortless navigation, allowing users to stay in control of their coverage.

Digital Tools and Resources

Geico offers a variety of digital tools and resources to educate and assist policyholders. These resources include informative articles, FAQs, and interactive guides available on their website.

Additionally, customers can access helpful resources through the mobile app, ensuring they are well informed about their coverage options, claims process, and other aspects of home insurance.

How to Read a Geico Home Insurance Review

If you’re looking for a Geico Home Insurance review, it’s going to be all over the place. One individual may have received their policy from AIG, while another got a policy from Travelers, even though both were sold by Geico.

Most Geico homeowners insurance reviews can touch on the customer service experience while shopping and applying for insurance only. For example, how each company handles claims could be completely night and day, and pricing could be great for certain people in specific states, but not so good for others.

That’s why it’s important to compare home insurance quotes from multiple companies to see if Geico and its partner companies can get you the best rates and coverage.

Read More:

• Green Tree Home Insurance Advantage Review
• Liberty Mutual Home Protector Plus Review
• Shelter Home Insurance Review

Geico Home Insurance Review: The Bottom Line

Geico offers home insurance coverage but sells policies through partnerships with local and national providers. While popular affiliates include American Family and The Hartford, who underwrites your Geico home insurance policy depends on where you live.

Even if it’s not Geico home insurance, the specific company the policy is with may provide excellent service (or even better service than what you would expect from Geico) at a decent price. However, Geico home insurance may not be worth it if you aren’t an existing customer with an auto policy.

If you don’t qualify for the Geico home insurance bundle discount, you will likely find cheaper rates from another company that actually underwrites its own policies. Start comparing rates now. Get free homeowners insurance quotes today from local companies with our comparison tool above.

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