Homeowners insurance, also known as home insurance, is a form of 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 will 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 carry 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 against 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

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

We can help you with a jewelry insurance policy that 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 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 elsewhere.

What does homeowners insurance not cover?

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

• Earthquakes
• Flooding due to natural rising water
• Maintenance issues such as termites and insect damage, rodents, mold, and general wear and tear
• Nuclear hazard

If you live in an area that is high-risk for 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.