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GEICO homeowners insurance is one of many products the online giant offers. But, unlike its auto insurance, it encourages customers to work with its call center agents to find the right fit and buy all necessary coverage. This GEICO homeowners insurance review will explore everything you need to know.
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Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Offers multi-policy discounts. AM Best Financial Strength RatingGEICO homeowners insurance is one of many products the online giant offers. But, unlike its auto insurance, it encourages customers to work with its call center agents to find the right fit, buy all necessary coverage, etc.
Although GEICO is typically known as an auto insurance provider, the company also sells several insurance products, including homeowners, renters, boat, and business insurance. In particular, this article looks at GEICO home insurance and its coverage, comparing it against some of its top competitors.
Before getting started, it's imperative to understand that GEICO does not function like other home insurance providers. Its policies are underwritten by non-affiliated partners, though you obtain quotes and purchase your policy through GEICO's platform.
We'll go into more detail about its business model and what it means for you below. Still, before signing up for a policy, you should research whether one of GEICO's policies is right for you.
Every home insurance works with other insurers to a certain degree. Just like many competitors, GEICO Homeowners Insurance insurers its interests. However, it's more open about its partnerships and roles. For example, companies like Lloyd's of London or Liberty Mutual underwrite GEICO home policies. However, these policies are still guaranteed by GEICO.
On the other hand, GEICO acts as more of a broker for specialty products like hurricane insurance. For example, it partners with providers like the Hawaiian Hurricane Group. Policyholders may manage policies through the GEICO customer portal or another vendor website, depending on the partnership.
Standard homeowners insurance policies will provide some combination of the following:
In addition to your base policy, you can add riders to extend your coverage. Despite its diverse partnerships, the riders available through GEICO are predictable. Common examples include:
The exact pricing for your policy will depend on many factors. Location, size of your home, and claims history are just a few of the things GEICO Homeowners Insurance and its partners consider. While most consumers agreed that GEICO offers lower-than-normal introductory pricing, many felt rates increased substantially once their policy was implemented.
Ana Franco Aguilera told TrustPilot: "Deceiving practices. They hook you with a low rate, then they call you days later asking for more information, increasing your initial premium from $1,700 to $3,500."
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Policyholders won't file a claim directly through the customer website. Instead, GEICO's partner (if any) will be listed on your policy documents, and you can contact the partner or GEICO's phone line for assistance.
In our highly tech-friendly world, GEICO is not one to be left behind. If you prefer to work online or through an app, you can set up logins once you know which company will service your policy on a day-to-day basis. This will help with both policy management and claims.