Best Homeowners Insurance Companies According to Their Specializations

A well-known and well-established brand, GEICO offers a range of homeowners, condo, mobile homes, and flood insurance coverages. However, it might come as a surprise for many to learn that it technically doesn’t offer its own home insurance. Instead, it partners with third-party insurers and acts more like a broker to provide their homeowners policies to its clients. The customers will not know which homeowners policy they are getting till they actually get the quotes. This can make for a very confusing customer experience.        

The company offers discounts for various home security systems, smoke detector alarms, and bundling your auto and homeowners insurance.   

GEICO’s standard home insurance covers your dwelling/ structure, personal belongings, personal liability, loss of use, cyber liability, water damage, and damage done by pets. However, it doesn’t cover damage from high winds, floods, or earthquakes. 

One of the perks of choosing GEICO as your carrier is that if you already have car insurance from the company, purchasing a homeowners policy may qualify you for a discount on your auto insurance.  

It should also be noted that the company doesn’t let you choose the insurer that you’ll be watched with. And once purchased, toy may need to work directly with the third party to file a claim and manage your policy.   

You can use the website or the mobile app to get a quote from the company’s affiliates. The platform offers a list of contact information for the companies within its homeowners insurance network.