If you purchase home insurance through Geico Insurance Agency, regardless of which company writes your policy, you will get standard home insurance coverage such as:
- Personal property
- Medical payments
- Additional living expenses
Related: What does home insurance cover?
Home coverage pays to repair or replace your home if it is damaged or destroyed by a problem listed in your policy, such as a fire or tornado. It also provides coverage for structures attached to your home, such as a garage, deck, or porch.
Your insurance agent can help you provide an estimate of rebuilding costs.
Coverage of other structures
This coverage covers damage to structures on your property that are not attached to your home, such as a fence or shed.
Personal Property Coverage
Personal property coverage pays to repair or replace personal effects, such as furniture and clothing, that have been stolen or damaged by a problem listed on your policy.
Certain categories of items, such as jewelry, furs, and cash, will have a limit on how much your insurance company will pay to replace them if stolen. For example, your policy may limit the theft of jewelry and watches to $1,500. If you want more coverage, you can “program” valuables.
Liability insurance pays for injuries and property damage you accidentally cause to others. It also pays for your legal defense if you are sued after an accident.
For example, if a guest falls down your stairs or your dog bites someone, liability insurance can pay for their medical care and your legal costs in a lawsuit.
When deciding how much liability insurance you need, consider how much you could lose in the event of a lawsuit.
Coverage of additional living expenses
Coverage for additional living expenses kicks in if your home is temporarily uninhabitable due to a problem covered by your policy.
You are covered for costs beyond what you normally spend, such as additional expenses for hotel rooms, restaurant meals, laundry service and pet boarding.