GEICO Car Insurance

Geico offers a variety of car insurance coverage options, so you can customize your own policy to suit your needs. 

Coverages that come standard on a Geico policy include:

• Bodily injury liability
• Medical payments or personal injury protection (PIP)
• Uninsured Motorist
• Collision
• Comprehensive
• Property damage liability

Optional car insurance coverages include:

• Emergency roadside service: Covers jump starts, flat tires, towing (not accident related), and lockout services (up to $100).
• Rental reimbursement: Covers rental car costs while your car is being repaired by a covered claim. Coverage limits begin at $25 per day/$750 per claim. 
• Mechanical breakdown insurance: Covers repairs to all mechanical parts for new or leased cars that are less than 15 months old and with less than 15,000 miles.

Geico offers a variety of motorcycle insurance coverages that can protect most types of bikes including sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and some custom bikes.

Geico offers the following standard and optional insurance coverages for motorcycles:

• Accessories: Only available when you have collision and comprehensive coverage; protects motorcycle accessories such as saddlebags, backrests, seats, chrome pieces and CB radios.
• Bodily injury liability
• Collision
• Comprehensive
• Medical payments or Personal Injury Protection (PIP)
• Property damage liability
• Uninsured/underinsured motorist

Geico offers a variety of ATV insurance coverages to protect you and your four wheeler when you go off road. They offer standard coverages that include:

• Collision
• Comprehensive
• Property damage liability
• Bodily injury liability
• Medical payments 
• Uninsured/Underinsured motorists

Geico does not insure three, six or eight wheelers or ATVs/UTVs with less than 150 cc's.

Geico offers a variety of insurance coverages for your Type A motorhomes, Type B motorhomes like van campers, and Type C motorhomes such as mini motor homes. 

These three types of RV’s include: conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, folding camper trailers and truck campers, as well as sport utility recreational vehicles.

Your Geico coverage will apply no matter how often you drive, tow, or live in your RV. 

Geico offers the following motorized RV and towable RV insurance coverages:

• Total Loss Replacement: Pays to replace your RV if it’s totaled within the four model years. Older RV models will be settled with cash value at the time of the incident. 
• Replacement Cost Personal Effects: Automatically included with comprehensive and collision coverage. Covers up to $5,000 to replace personal items damaged in a covered loss. 
• Vacation Liability: Covers up to $10,000 of bodily injury and property damage on your vacation site. Must have collision and comprehensive coverage. 
• Emergency Expense Coverage: Pays up to $1,000 for hotel stays and transportation after a covered loss. 
• Special Windshield Deductible: Pays for windshield repair and covers $50 for windshield replacement. 
• Recreational Vehicle Medical Payments: Pays for medical bills caused by an RV accident, regardless of fault. 

Geico provides insurance coverage for your boat and other power watercrafts through its Marine Insurance Company. 

Geico offers coverage for multiple boat styles including bow rider, center consoles, cuddy cabin, walk around, ski boats, pontoon, jet boats, personal watercraft like jet skis, Wave Runners, Sea Doo, sail boats, bass boats, and other fishing boats. 

Geico offers standard boat insurance coverage, including:

• Personal liability
• Boat damage
• Motor damage
• Trailer damage
• Medical and physical damage perils
• Boat towing service: Covers 24/7 dispatch for unlimited on the water towing within a 25 mile radius of an approved tower. 

Geico has partnered with Assurant and American Modern Insurance Group® to offer its customers classic car insurance coverage. 

To qualify for classic car insurance through Geico and its partner, your car must:

• Be a 1979 model year or older
• Used only for exhibition or occasional pleasure cruising
• Stored in a fully enclosed, locked structure, like a garage

Classic car insurance through Geico comes with low deductibles and an agreed upon value without a vehicle appraisal. 

Geico is one of the few car insurance companies to offer additional coverage for rideshare drivers who work for services like Uber and Lyft. 

Your personal auto insurance coverage may be denied when you drive for hire, but with Geico’s hybrid policy you’ll be covered for personal use, ridesharing, and other on-demand services. This specific policy will provide coverage when the rideshare app is off, when it is on with no passengers in the vehicle, and when it is on with passengers in the vehicle. 

You’ll enjoy all the same coverages as your personal policy, but with higher limits to protect your passengers:

• Liability
• Property damage
• Bodily injury
• Collision
• Comprehensive
• Medical payments, or Personal Injury Protection (PIP)
• Uninsured Motorist 
• Emergency road service
• Rental reimbursement 

Geico offers a variety of home insurance coverages to suit your unique needs. Choose between standard and optional coverages to customize protection for you and your property. 

Geico offers coverages such as:

• Personal liability
• Medical payments
• Personal property
• Optional flood
• Optional earthquake

Geico offers renters insurance through trusted partners, so you can protect your personal belongings and appliances that aren’t covered under your landlord’s insurance. 

Renters insurance will cover what’s inside your unit from “named perils,” or damages exclusively written into your policy. Named perils include fire, smoke, theft, vandalism, water damage, windstorm, etc. 

A Geico renters policy includes coverages for:

• Personal property
• Liability
• Medical payments

Additional renters coverages include:

• Replacement Cost: Covers the current market value of the item you lost, regardless of depreciation.
• Scheduled Personal Property: Covers valuable items like jewelry, antiques, furs, etc. 
• Business Merchandise: Covers products you may store in your home. For example, merchandise you sell on e-Bay. 
• Incidental Business Liability: Protects you against liability claims related to a business you run out of your home, like dog or baby sitting. 
• Flood
• Earthquake 

Geico offers condominium/co-op insurance to protect your personal belongings and the interior walls of your unit. Your condo association’s master policy will not cover your personal losses, so it’s important to protect yourself against damages, such as fire, smoke, lightning, theft, vandalism, water damage, and liability. 

A Geico condo policy includes coverages for:

• Personal liability
• Medical payments
• Personal property

Geico offers insurance policies for your mobile or manufactured home that are as custom built as your living space. 

A Geico mobile home insurance policy includes coverages such as:

• Personal liability
• Personal property
• Dwelling structure 
• Detached structure 
• Flood 

Geico offers landlord insurance coverage, also known as dwelling fire insurance, for a variety of homes including single families, condos, and townhouses. 

Whether you own and rent out multiple properties or you are renting your home out while you travel for an extended period of time, Geico has you covered. 

Geico’s landlord coverage includes:

• Personal liability
• Property damage to the structure and detached structures, like a garage. 
• Loss of rent
• Umbrella
• Flood 

Geico offers flood insurance policies through the National Flood Insurance Program (NFIP), so you know your coverage is backed by the Federal government. 

A flood insurance policy through Geico and the NFIP includes coverage for:

• Personal property
• Building property 
• Electrical and plumbing systems
• Air conditioning, furnaces, and water heaters
• Built-in kitchen appliances like stoves and dishwashers
• Permanently installed carpeting over an unfinished floor
• Permanently installed paneling and cabinets
• Window blinds
• Debris removal 

Geico offers a comprehensive Business Owner’s Policy (BOP) to protect your business from a variety of liability and property damages. 

Standard coverage options for business owners include:

• Bodily injury
• Property damage 
• Liability, including defense costs for things like libel and slander. 
• Personal property protection for things like furniture, equipment, etc. 

Additional business insurance coverages offered include:

• General liability insurance (CGL): Covers your business in the event of physical injury, property damage, or personal and advertising injury to a third party. This can be a stand alone policy or included in your BOP.
• Professional liability insurance: Also known as Errors and Omissions Insurance (E&O). Covers professional services or advice you give to clients such as IT consulting, accountants, and architects.
• Workers’ compensation insurance: Provides financial protection for work related injuries and illnesses. 
• Commercial auto: Covers business-use vehicles like cars, box trucks, service utility trucks, food trucks, etc.
• Ridesharing insurance: Covers you completely when you drive for hire for a service like Uber or Lyft. 

Geico offers $1 million of umbrella coverage in addition to your auto and home insurance policy limits. This additional coverage will cover costs for serious, at-fault  injuries or damages, and will kick in when bills or lawsuits go beyond your initial liability coverage. 

With an umbrella policy from Geico, you can provide protection for:

• You and your spouse
• A relative or dependent living with you 
• A friend or relative who borrows your car 
• Libel and slander lawsuits, which may not be covered under your home insurance
• Legal defense in the case of a liability lawsuit 

Geico has partnered with Life Quotes Inc. to provide term life insurance protection for you and your family. 

Term life insurance provides death benefit protection for 10, 15, 25, or 30-year policy terms without any investment add-ons. 

Geico guarantees your premium rates will never increase during a policy term. 

Geico has partnered with Berkshire Hathaway Travel Protection (BHTP) to provide travel insurance to its customers. The ExactCare® and AirCare® product lines offer coverage for illness, injury, lost luggage or passport, jury duty, etc. 

ExactCare coverages include:

• Last-minute cancellation 
• Worldwide travel assistance
• Emergency medical and dental 
• 24/7/365 worldwide emergency travel assistance

AirCare® Flight Insurance offers coverage for:

• Lost or delayed luggage
• Canceled flights, or extended delays at the airport/tarmac
• Missed connection compensation
• 24/7/365 worldwide emergency travel assistance

Geico has partnered with Jewelers Mutual Insurance Group to offer you comprehensive jewelry coverage for your engagement rings, watches, earrings, loose stones, etc. 

Jewelry insurance protects your fine jewelry from loss, theft, damage, and disappearance at a higher limit than your home or renters insurance.

Geico jewelry insurance also includes coverage for preventative repairs such as:

• Prong retipping
• Repair of broken, worn or bent prongs
• Clasp replacement
• Restringing of broken or stretched pearl strands
• Stone tightening
• Repair of broken earring post

Coverage benefits include:

• Worldwide coverage
• Your choice of jeweler
• Fewer mandatory appraisals 

Geico has partnered with Embrace Pet Insurance to offer you coverage that will manage health care costs for your dogs and cats. 

This comprehensive pet insurance will reimburse up to 90% of your veterinary bills concerning most illnesses and accidents (excluding pre-existing conditions). 

Geico has partnered with Generali Global Assistance, Inc. to provide identity theft protection. This service provides unlimited online access to your TransUnion credit report and score. 

It will also send you and your spouse three-credit bureau potential threat alerts.