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GEICO Homeowners Insurance Reviews
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Geico is the fourth largest insurer of auto insurance policies in the country. The company is a wholly owned subsidiary of Berkshire Hathaway, Inc., headed by Warren buffet. In business since 1936, the company boasts more than 20,000 employees and over 21 billion in issued policies.
Financial Ratings
| A.M. Best: | A++ |
| S&P Rating: | AA+ |
| Moody's Rating: | Aa3 |
| Fitch Rating: | AA- |
Company Information
5260 Western AvenueChevy Chase, MD 20815
(800) 841-3000
(301) 986-2237 (Fax)
http://geico.com
Last Updated: 2019-02-20
Company Reviews (141)
2 of 2 people found the following review helpful.
Disgusted, June, 2016
After being lied to by a representative who told me I needed both condo and landlord insurance, it took me several hours on the phone to get the condo insurance cancelled. Then, after finally cancelling my unneeded condo insurance I was lied to about, they did not refund me for the insurance I never needed. Horrible business practice, already have convinced a friend to drop GEICO and I will be leaving ASAP.
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2 of 2 people found the following review helpful.
February, 2016
Never made a claim but cost keeps increasing
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2 of 2 people found the following review helpful.
Homsite, October, 2014
Homesite was the insurance co. GEICO assigned me.They are a good co. but if you live in ok. they charge 2% of your total coverage for a deductible on wind and hail.Forgot to tell me that until Ihad a claim.No it wasn't on my policy, had 500 dollar. A supplement I never received.
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2 of 2 people found the following review helpful.
Incentives to rate, April, 2013
Geico has kept their word with me, they said they will lower my bill, they said we will stick with you, they said if you are not sure of what you want done, call us and we will help, so far they have kept their word.
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38 of 40 people found the following review helpful.
GEICO was treacherous to me, May, 2015
I once was approached by a local insurance broker who enticed me to transfer to GEICO by quoting me a better rate for my home insurance. Out of good faith to a well known company that I was doing business for the first time, I spent all the time to do the paper work for the transfer. A few weeks later, I got a notice from GEICO saying that they re-appraised the house and had to charge more for the same coverage because they found some yard or garage square footage number was different from their initial appraisal when they quote me the rate. ARE YOU KIDDING ME??!! Wasn't the initial quote made by GEICO? Once I paid the bill according to the quote, were we not then in a contract: meaning GEICO has to honor the policy and if sth happens GEICO has to swallow the consequence and cover the damage?? Even if there is a mistake in the initial appraisal, the appraisal was done by GEICO and GEICO has to honor it and bear the consequences, including a cheaper rate!! How could I the customer know that there was mistake in the initial appraisal? I have to waste double the time: first to switch to GEICO and then to switch back to original insurer. I complained to a representative of GEICO about this but there was no follow-up. Apparently such treacherous behavior was tolerated if not condoned at GEICO. At this point, GEICO shows itself as a crook and fraud and I would, for the sake of common good, caution anyone who considers switching to GEICO: using GEICO is not for me in my life time.
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11 of 12 people found the following review helpful.
BUYER BEWARE of Geico/Travelers, February, 2015
October 2014 we switched our car and homeowners ins. to Geico. We insured 4 cars and 2 homes (primary home and a second home...a small cabin in the woods). We felt they were insuring the cabin to high but it didn't seem unreasonable so we paid, in full, both homeowners premiums. Geico's homeowners ins. is underwritten by Travelers ins. so the policy was written by Geico but it was a Travelers agent that inspected the cabin property. In December we received a letter from Geico stating that they were upping our cabin coverage 35000 dollars and our premium $125. The inspector had included upgrades that we don't have (he was not inside the cabin because it was already closed for the winter). He said we have ceramic tile, hardwood floors and drywall. We actual have wall to wall carpeting, vinyl flooring, old paneled walls and a drop ceiling. He listed a shed which is really a 3x3 wooden box that is only big enough to store a few gas cans. He listed 1 full bath but it actually has 1 1/2 baths. The Geico agent made the corrections and our coverage was now upgraded another 7000 dollars with an additional $157. January we received our bill. It was set up for monthly installments which has a $5 a month service charge. I called Geico to pay in full (why would I want to pay monthly now when I paid in full originally...duh!!!). After I made the payment she told me that the cabin was never listed as a second home and the premium would be another $60 but I just received a bill for $84. ENOUGH IS ENOUGH. I am switching from Geico/Travelers ASAP. Reason why...I have NO confidence that we have adequate/actual coverage at all. They have NO idea what they're doing. 1 star is to good of a rating.
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20 of 22 people found the following review helpful.
Cost Comparison, October, 2013
Satisfied with Geico however substantial price increases each year with no claims
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9 of 11 people found the following review helpful.
Shopping for Insurance, March, 2014
Compsny kept going up on my costs even though I've had zero claims.
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4 of 5 people found the following review helpful.
Geico, January, 2013
Good ins but getting expensive
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7 of 9 people found the following review helpful.
October, 2014
i have my vehicle insurance with them they reasonably priced you can pay monthly and you can do auto bill paper less billing over all its great they also handle claims fast the day of accident they were looking at the vehicle ordered parts next day they were working on it the third day they were finishing it up had it back by 5 great job geico
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7 of 9 people found the following review helpful.
Rising Costs of Insurance, March, 2014
Geico has been good for us, but we've made no claims, and yet, our cost goes up each year.
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3 of 4 people found the following review helpful.
May, 2013
Third year with no claims & had a $700 increase in premiums
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4 of 6 people found the following review helpful.
Affordable & Great Customer Service, August, 2013
We were referred to Geico by our family. We were previously insured w/ Met Life through my company w/ automated pmts out of my paycheck. My company discontinued this service & it drove my ins rates higher, reason why we switched to Geico. We are checking current ins rates to see if we can lower our pmts again. Our daughter is driving on a permit & will get her license next month- trying to offset extra cost of insurance. Overall happy w/ Geico though.
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4 of 6 people found the following review helpful.
Great customer service, July, 2013
Friendly and helpful staff who appreciate my loyalty to their company for many years.
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2 of 3 people found the following review helpful.
SATISFACTION, October, 2014
As an active duty Air Force Sergeant, GEICO offered the flexibility and service needed for a military man constantly moving
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6 of 10 people found the following review helpful.
Geico for 40 years, May, 2014
I've been a policyholder with Geico Insurance Company for 40 years - homeowners, auto, umbrella coverages. Excellent customer service, good price, great web site.
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4 of 7 people found the following review helpful.
My Reason For choosing Geico, June, 2013
While I was in the military, we had a few differwnt Ins co. but when we moved we had to requalify with them. Finally went to Geico for the prices,which were lower, and for the convenience of not having to requalify every time we got stationed at another base. Just let them know the type of house we were in and it was done. So convenience, price, and good costumer service are the reason for choosing Geico.
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1 of 3 people found the following review helpful.
February, 2013
We have insurance with Assurant through Geico and the contract has run out. We have no alternative but to find another homeowner's insurance company. Geico has serviced us for over 10 years and we are very satisfied with exception of this incident.
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1 of 1 people found the following review helpful.
Buyer Beware - Read every word in the contract, April, 2017
We had car insurance with Geico and we added homeowners insurance. Pretty easy process over the phone. However, the sales person failed or neglected to tell us that certain limitations in coverage would apply because of the age of our home. When attempting to file a claim for storm damages to our roof, we were told that we'd have to pay $2100 in addition to our deductible costs because our home policy included a roof depreciation clause in the contract. When I stated that the depreciation clause was not disclosed during my conversation with the agent, I was told that I should have read the 56 page contract. Apparently, Geico applies a default coverage stipulation to homes 16 years and older, called ACV. In short - the homeowner has to cover the costs of depreciated value for the roof, along with the deductible. In my case, I'm paying nearly 50% of the cost to replace my roof. I see in the numerous poor reviews of Geico, that many people agree, Geico has some shady business practices. In my opinion, you'd be wise to look elsewhere for your insurance needs.
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1 of 1 people found the following review helpful.
DO NOT GO WITH GEICO HOME INSURANCE!, June, 2016
GEICO HOME INSURANCE WILL MAKE YOU GET REPAIRS ON UNESSARY ITEMS. LIKE A WHOLE NEW ROOF, THEY TOLD ME MY ROOF WAS BAD. NO SHINGLES GONE, NO LEAKS, INSPECTED BY ROOFER, GOOD! GEICO TOLD ME IN ORDER TO KEEP POLICY I NEED TO REPLACE ENTIRE ROOF. COST WILL BE AROUND 4000+
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1 of 2 people found the following review helpful.
Good, December, 2015
Trying to find cheaper policy.
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1 of 1 people found the following review helpful.
Home Owners Policy, April, 2014
I am seeking other quotes because GEICO insurance agent quoted me a premium so high that I would not consider using them for my next home owners policy although I used them for my primary home, my vehicles and several rental properties.
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1 of 1 people found the following review helpful.
Coverage , August, 2013
coverage not great when needed
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1 of 2 people found the following review helpful.
renewal, April, 2013
They decided not to renew us because said we were a hurricane issue.
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1 of 1 people found the following review helpful.
AMRICAN SECURITY, March, 2013
MY AUTO INSURANCE SAID I WOULD SAVE BY INSURING MY HOME WITH ASI. bUT PREMIUMS HAVE INCREASED ALTHOUGH I HAD ZERO CLAIMS
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1 of 1 people found the following review helpful.
February, 2013
they are not covering homes in fl.
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1 of 1 people found the following review helpful.
geico rating, July, 2012
geico is a great company. The cost just keeps going up and up and Im trying to save.
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0 of 3 people found the following review helpful.
New Home, March, 2015
We are closing on a new home and have had geico home insurance. We would like to get the best price & coverage and compare rates to our geico home insurance quote.
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0 of 2 people found the following review helpful.
insurance, July, 2013
good survey. although very lengthy and would prefer, in the future shorter ones. Geico has been a good insurance company,
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0 of 2 people found the following review helpful.
buying home, April, 2013
we are buying a home and need a ins qoute for our closeing and we are looking for the best rates
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0 of 2 people found the following review helpful.
home owner insurance , April, 2013
iam doing renewal home owner insurance to see who will the cheapest and what are my opition compared to cost of what i have now
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0 of 0 people found the following review helpful.
great customer service, but not lower rate, December, 2016
Geico prices are usually low for car insurance, but not for home insurance. I'm looking for a lower rate.
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0 of 0 people found the following review helpful.
No follow up, November, 2016
Didn't follow up for renewal
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0 of 0 people found the following review helpful.
July, 2015
seeking options to reduce insurance cost
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0 of 0 people found the following review helpful.
July, 2015
Their prices were great
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0 of 0 people found the following review helpful.
Looking for other insurance comp. better quotes, January, 2014
I am not dis satisfied with my present comp. i just feel i need to get other quotes maybe it's time to change
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0 of 0 people found the following review helpful.
Easy to work with!!, November, 2013
I always have a good experience when I call customer service.
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0 of 0 people found the following review helpful.
October, 2013
The customer service is outstanding.
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0 of 0 people found the following review helpful.
Review, July, 2013
Excellent Service, Reliable and trustworthy. Searched for best rates.
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0 of 0 people found the following review helpful.
geico, July, 2013
verry good place cheap works with you. no hassel. friendly employees,great prices. easy to contact, and easy to pay
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0 of 0 people found the following review helpful.
satisfied, May, 2013
I have not filed a claim with Geico so I don't know how well they handle their business.
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0 of 0 people found the following review helpful.
Company went out of business, April, 2013
My regular insurance company went out of business that were a part of GEICO. Looking for a new company
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0 of 0 people found the following review helpful.
Good company, April, 2013
Planning to maintain insurance with this company
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0 of 0 people found the following review helpful.
reason for choosing company, February, 2013
chose this company because i had auto insurance with them
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0 of 0 people found the following review helpful.
GEICO Service, February, 2013
Excellent service and very professional, never had issue with car or home owners
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0 of 0 people found the following review helpful.
General, January, 2013
Had auto fire they handled it asto be expected and no complaints good communication through out claim. I would reccomend to friends
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0 of 0 people found the following review helpful.
franks, September, 2012
the company went up on the price after I received the policy
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0 of 0 people found the following review helpful.
Under Insured with GEICO, September, 2012
I had no problem with GEICO other than the fact that the company would never allow me to cover the house at a high enough value. I was always under insured.
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