Geico Homeowners Insurance

Geico Homeowners Insurance

Geico Homeowners Insurance is worth considering, particularly if you already have Geico auto insurance coverage.

Having Geico home insurance added to your current policy can get you an added discount.

Why do you need to know about Geico home insurance? Well, if you are a college graduate, just getting married, or anyone else thinking about moving, you might be looking for a new home. Hopefully, you are also thinking about homeowner’s insurance.

Geico Home insurance provides coverage for physical construction, personal property, and personal liability. As a Geico Homeowners Ins. customer, you can check their information about policy details, billing details, and pay your bills online.

Geico Homeowner’s Insurance covers both single family homes and town homes. It covers damage for named perils (to personal property) caused by fire or theft.

Geico home insurance also includes protection for the physical house, other permanent structures, personal property, liability expenses, and other costs due to a fire, that make it so that you are unable to live in your home.

Depending on which state you live in, you can also have between $500 to $2,000 worth of jewelry protected, also.

Almost all homeowner policies are done on an HO-3 form. This form helps you decide whether or not you are receiving equal protection and what differences there might be in either premiums or coverage options.

The HO-3 form will cover your basic dwelling (exceptions are stated on the form) and other personal property (also known as perils) that is damaged or stolen. You might need to add additional coverage, also known as endorsements or riders.

In addition, Geico Homeowners Insurance protects you from liability. This is important in incidences such as a visitor who slips on your steps and breaks an arm or someone falling off a bike in your driveway. This can be good to have in case someone tries to sue you.

Geico homeowners are entitled to Geico privileges. These privileges include savings at stores like, Blockbuster, Enterprise Rent-A-Car, Office Depot, Zales, and others.

Also, you will come across supportive articles and interactive tools, such as car-service reminders, advisors, calculators, checklists and other useful information. Just go to Geico’s Privileged Member page to find these available offers.

One thing you need to be concerned about if you have Geico Home insurance is Homeowner’s insurance fraud. Homeowner’s insurance fraud is illegal, and it causes everyone more difficulties by having to pay higher premiums, more costly repairs, etc. However, there are things you can do to identify and protect yourself and your neighbor from homeowner’s insurance fraud.

First, be aware of people deliberately causing property damage. Also, simply tell contractors, repairmen or others “no” if they suggest building in undue cost to "cover the deductible" or "create" the false impression of more damage than needed.

Look out for counterfeit losses. From fake break-ins to doubtful claims for treasures they never possessed, it is deemed insurance fraud if people exaggerate the quantity of a loss or allege a loss that never really occurred.

Finally, inform authorities of any insurance fraud. If you think insurance fraud is happening, report it by calling the National Insurance Crime Bureau at 1(800)-TEL-NICB (835-6422).

As you can see, Geico Homeowners Insurance has quite a bit to offer its customers. If you think you might be interested in getting a homeowner’s policy from Geico, contact them today.

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