Homeowners Insurance

See how affordable your homeowners insurance can be.

Homeowners insurance, also known as home insurance, is a property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and certain other assets within your home. Home insurance may also offer liability coverage against certain types of accidents that occur within your home or on your property. Most mortgage lenders require a homeowners insurance policy.

The GEICO Insurance Agency could 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 have homeowners insurance with another company, you could save more by getting a home insurance quote and switching to GEICO. Start a homeowners quote today.

Why do I need homeowners insurance?

  • Home insurance protects one of your most important investments
  • A homeowners insurance policy offers protection for you from accidents in your home or on your property
  • Most mortgage lenders require homeowners insurance

Who should carry homeowners insurance?

  • First-time home buyers
  • Current homeowners

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

Our Personal Property Insurance calculator can help you decide how much coverage fits your situation.


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

We can help you with a jewelry insurance policy to cover your valuable collection.

What other risks may be covered by home insurance policy?

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 lawsuit.

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 somewhere else.

What isn’t covered by a typical homeowners insurance policy?

Here are some examples of things most standard home insurance policies may not cover:

  • Earthquakes
  • Flooding from naturally rising water
  • Maintenance issues like termites and insect damage, rodents, mold, or general wear and tear
  • Nuclear hazard

If you live in an area that is high-risk for any of these types of loss, you may be able to customize your policy to get the coverage you need.

Homeowners insurance discounts could save you even more.

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.

Buying, setting up, and servicing your homeowners policy is easy.

Get a Quote

We can help you tailor a policy to fit your needs and budget. Check out the below for more information, then get your quick and easy home insurance quote online today!

Policy Service and Claims

After your policy is started, you can work with the GEICO Insurance Agency partner for help with:

  • Bill payments
  • Policy updates
  • Reporting claims, and more

Find insurance coverage for other types of property.

Renters Insurance

If you rent an apartment, condo, house, etc., you need renters insurance. Get a renters insurance quote today and we’ll show you how easy and affordable it is to protect what you care about.

Condo Insurance

Your condo or co-op association’s master policy covers the exterior structure, but not what’s inside your unit. A condo insurance policy helps with an extra layer of protection. Get started with a quote today!

Mobile Home Insurance

mobile or manufactured home policy provides coverage for your home, personal belongings, and structures on the land you own. Start your mobile or manufactured home insurance quote today!


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.

Flood Insurance

Flood insurance is a separate policy with additional protection to a homeowners policy, protecting you from more severe types of water damage like heavy rain, melting snow, or severe coastal storms.

If you live in an area at high risk for floods, flood insurance may be required by your lender. Get additional information on flood insurance here.


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Homeowners Insurance