Geico Condo Insurance Review (2020)
By: Date: November 17, 2020 Categories: Condo,Geico,Uncategorized

Owning a condo comes with its perks. You have a place to call your own, and you don’t have to worry about maintenance issues. But when it comes to any surprise damage to your condo, you can’t rely solely on your condominium association to protect you.

That’s where condo insurance comes in. With protection from theft, vandalism, lightning, and more, you can minimize or eliminate any legal or financial risk. The This Old House Reviews team has created an in-depth Geico condo insurance review to help you determine if it’s your best fit.

To get free quotes from providers in your area, call 855-948-5219 or enter your zip code in the tool below.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Geico Insurance Cost?
  • Discounts
  • Reviews of Geico Insurance
  • Our Score
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information
  • Our Methodology

Our Take

Geico offers solid condo insurance, covering your dwelling, personal liability, and even personal property, which some of its competitors do not. Several endorsements are available, ranging from additional coverage for jewelry to earthquake coverage. Geico also offers a range of discounts for condo insurance policies.

On Geico’s Better Business Bureau profile, common complaints cite increased premiums. Some reviews note poor customer service, while others recommend Geico for its professionalism.

Pros & Cons

Compare the advantages and disadvantages of Geico condo insurance.

Geico Condo Insurance Pros & Cons

Pros Cons
Pros Cons
Covers personal property in basic policy Doesn’t underwrite own condo policies
Multiple discount options
Available nationwide


Geico offers industry-standard condo insurance coverage, along with multiple endorsements so that customers can customize their protection to fit their individual needs.

In general, condo associations’ master insurance policies cover the exterior of the condo and common areas, though the exact coverage depends on the charter and state.

Individual condo unit owners need to take out their own policies to protect the interior of their dwelling, including the walls and cabinets, their personal property, and any liability from accidents that could harm others while inside their condo.

Geico protects condos against the following perils:

  • Fire
  • Lightning
  • Windstorm
  • Smoke
  • Vandalism
  • Malicious mischief
  • Theft
  • Accidental discharge of water

Geico Condo Insurance Coverage

Coverage Type Description
Coverage Type Description
Dwelling Covers the cost of repairs to the interior of the dwelling, including cabinets and walls
Personal property Covers the cost of repairs and replacement of personal property, including furniture, appliances, and clothes, in the event of a covered loss
Loss of use/additional living expenses Covers the costs associated with temporarily living outside your home due to damage or destruction, including meals and accommodations
Personal liability Covers the legal and medical expenses associated with a guest being injured in an accident on your property

Geico offers some add-ons to its condo insurance policies.

Geico Condo Insurance Add-ons

Coverage Type Description
Coverage Type Description
Jewelry and valuables Increases coverage for valuable items like jewelry, computers, and musical instruments
Flood Covers repairs or replacements caused by floods
Earthquake Covers repairs or replacements caused by earthquakes


Geico condo insurance is available in all 50 states.

How Much Does Geico Condo Insurance Cost?

The exact cost of Geico condo insurance depends on a variety of factors, including your property value, where you live, and more. States like Florida are especially expensive to insure due to the likelihood of hurricanes. In general, condo insurance is more expensive than renters insurance but cheaper than homeowners insurance.


Geico offers a variety of condo insurance discounts.

Geico Condo Insurance Discounts

Discount Description
Discount Description
Multi-policy Discount for bundling your condo insurance policy with another Geico insurance policy
Safety features Discount for having fire alarms, burglar alarms, sprinkler systems, and more
Claim-free Discount for going for a stipulated period of time without filing a claim

Reviews of Geico Insurance

Geico is not accredited by the Better Business Bureau, but the company holds an A+ rating from the organization. Customers rate Geico just over one star on its profile. Here’s what some people had to say about their experiences with Geico.

Mark C. said:

“I’ve used Geico for the last seven years and they have done a great job for me. No issues with claims. No reactive rate hikes after claims. Great communication. I’d recommend this company.”

Anthony T. said:

“I had nothing but bad customer services from Geico, especially illegally raising rates without contacting me when I renewed my auto insurance. I called to complain about recent changes and for them to give me an explanation. What the rep told me it was due to too many claims for medical and too many accidents filed for claims. WOW really ** excuses people like myself and others with excellent driving records shouldn’t be paying more auto insurance… They won’t care about your concerns.”

Our Conclusion

Geico is a great option for condo insurance, offering industry-standard coverage in addition to several endorsements that allow condo owners to customize their protection nationwide. Multiple discounts can help lower the overall cost. The only potential downside we’ve found is that Geico does not underwrite its own condo insurance policies.

To ensure you find the right provider for you and your home, we recommend getting quotes from multiple companies that serve your area. You can do so by calling 855-948-5219 or inputting your zip code in the free quote tool below:

Frequently Asked Questions

Does Geico do condo insurance?

Yes, Geico offers condo insurance policies that are underwritten by non-affiliated insurance companies.

What does Geico condo insurance cover?

Geico condo insurance covers damages to the interior of the unit, personal property, personal liability, and loss of use. Multiple add-ons are also available, including additional jewelry and valuable coverage, earthquake coverage, and flood coverage.

Can you get a quote for Geico condo insurance online?

Yes, there is an online quote calculator to help you assess the cost of your Geico condo insurance. You can also receive further help by calling customer service.

Company Information

  • Company name: Geico
  • Company type: Public
  • CEO: Todd Combs
  • Year founded: 1936
  • Headquarters: 5620 Western Ave, Chevy Chase, MD 20815
  • State availability: 50
  • BBB rating: A+

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at

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