GEICO, which start its corporate life as the Government Employees Insurance Company in 1936, today offers a wide range of consumer-oriented insurance products under a brand greatly strengthened by its famous “cavemen” and “gecko” commercials.
        GEICO insures residential homes through its homeowner’s policy and insures mobile homes through a mobile homeowner’s policy. Homes are insured at the H03 insurance level, which GEICO defines as “broad coverage for your dwelling.” Typically, this means protection against fire, water, building collapse, roof impact (such as from falling trees) and the theft of household electronics. It does not include flood insurance. It also does not include coverage for stolen jewelry beyond $2,000.
        GEICO allows you to supplement your homeowner’s policy by purchasing extra protection for valuables. You can also add identity theft coverage, which will protect you from, for example, the financial impact of someone breaking into your house, stealing your credit cards and using them.
        It is important to note that GEICO’s policy is not all-risks coverage. It only protects against perils named in the contract. Thus, if your contract doesn’t name “earthquake” as a peril, you won’t be insured against earthquake damage.