GEICO homeowners insurance is sold in all 50 states plus the District of Columbia. The company was founded in 1936 with the idea that by narrowing the customer base, GEICO would be able to better target their risk. The company chose government employees (hence the name Government Employees Insurance CO.) Today, though, the company sells to everyone and not just government employees.
GEICO homeowners insurance is owned by Berkshire Hathaway, Warren Buffet's company. It is still known for keeping overhead low. Today, the company offers homeowners insurance through Insurance Counselors Inc.
The company has always been at the forefront at selling direct to customers rather than relying on brokers. Today, they have strong television and internet presences. Many of the TV ads feature a Grecko.
A.M. Best rates their financial strength as A++ (or superior).
Most of GEICO's insurance policies offer protection against fire, water, building collapse, roof impact (such as from falling trees) and the theft of household electronics. But, the policies do not include flood insurance or coverage for stolen jewelry beyond $2,000.
An unusually high percentage of their customers are happy with Geico homeowners insurance with 62 percent giving a satisfied rating or better.
GEICO will let you supplement your policy by buying extra protection for valuables. You can also add identity theft coverage, which will protect you from the financial impact of someone breaking into your house, stealing your credit cards and using them.
The company's policies are not all-risks coverage. They only protect against perils named in the contract. So if your contract doesn't name "earthquakes" or "hurricanes" as perils, you won't be insured against earthquake or hurricane damage.
The company offers customer service through online and 800 number contacts.