GEICO Renters Insurance Review: Cost, Coverage, and More (2026)

Known for its approachable gecko, GEICO is the third-largest insurance company in the U.S. by market share. The company offers multiple types of insurance, including coverage for renters and their personal belongings.

On its website, the company says its renters insurance policies start at $12 per month. Based on Insurify data, a GEICO renters insurance policy costs an average of $27 per month for a policy with $30,000 in personal property coverage.

Here’s what you should know about GEICO renters insurance, so you can decide if it’s the right company for your needs.

Our take on GEICO renters insurance

What GEICO renters insurance covers

Beyond the standard coverages, GEICO offers add-on coverage options to better protect your belongings. Your landlord’s insurance policy covers the building itself, so your renters insurance policy won’t cover repairs to the building.

Here’s a look at what a GEICO renters insurance policy covers:

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  Personal property

  If someone steals your personal belongings, personal property coverage will help pay to replace your items.^[2]

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  Loss of use

  If you can no longer live in your rental due to a covered peril, like a fire, loss of use coverage pays for your extra living expenses. This might include hotel stays and meals out while your landlord handles the damage.

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  Personal liability

  If someone injures themselves in your apartment, you might be on the hook for the cost of their medical bills. Personal liability coverage helps you pay for legal fees and liability payments after an accident. If you want extra protection, you can purchase additional liability coverage.

Additional coverage to consider

When you have a renters policy in place, it’s a good idea to take an inventory of your stuff at least once per year. How much coverage you need varies based on the value of your items. If you own expensive items, like artwork or jewelry, you may need a separate policy to protect them. The good news is that GEICO offers jewelry insurance to simplify this process.

In addition, standard renters insurance policies don’t cover flood damage. If you’re concerned about the potential for flooding during a natural disaster, you may want to purchase a separate flood insurance policy from the National Flood Insurance Program or a private insurer.

Finally, renters insurance policies generally don’t cover business inventory and equipment. You may want to consider additional coverage to protect your business assets.

Cost of GEICO renters insurance

On its website, GEICO states that a renters insurance policy can cost as little as $12 per month. Insurify data shows that a GEICO renters policy with $30,000 in personal property coverage costs $27 per month, on average. This is slightly higher than the national average of $22 for the same coverage.

A GEICO renters policy with $15,000 in personal property coverage costs $22 per month, on average. But it may not be worth saving a few dollars each month for only half the amount of protection.

GEICO renters insurance discounts

The right discount can help you save big on your renters insurance costs. Below is a look at some of the discounts available to renters through GEICO.

• Bundling discount: When you purchase multiple types of insurance through GEICO, you might snag a discount. For example, you might bundle your renters coverage with other insurance products — like boat insurance, umbrella insurance, or car insurance — to score savings.

• Military discount: Military members can tap into lower insurance premiums through GEICO. Similarly, military members can save on auto policies through GEICO.

• Affiliation discount: Working for a particular employer or membership in a group could save you money through an affiliation discount. GEICO offers affiliation discounts to more than 800 groups.

GEICO reviews: What real customers are saying

GEICO policyholders generally have negative things to say about their experience. The company has 1.4 out of 5 stars on Trustpilot and 1.1 out of 5 stars on the Better Business Bureau (BBB) website, reflecting relatively low customer satisfaction.

The hundreds of bad reviews center on rising costs and poor customer service. But other customers enjoyed their experience with the company.

Below is a look at some recent positive and negative reviews by real people.

How to buy a GEICO renters insurance policy

Before you begin the insurance-purchasing process, determine what you’re looking for. For example, you may want to consider replacement cost coverage, which helps pay to replace your personal items instead of covering their current cash value. Or perhaps you want coverage for your jewelry or flood damage — each of which would require additional insurance coverage.

If you want to work with GEICO, here’s how to buy a renters insurance policy:

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  1. Start the process online

  You can start the process online by providing your ZIP code. In some cases, you’ll receive a renters insurance quote immediately after providing additional information about your rental situation in a few clicks. In other areas, online quotes might not be available.

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  2. Call an agent, if necessary

  If you can’t get an online quote, you can call 1 (800) 841-2964 to request a quote from an agent.

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  3. Review the quote

  With a quote in hand, you can review the policy details. Since GEICO works with third parties across the country to offer renters insurance, you’ll need to confirm you approve of the third party that intends to insure you.

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  4. Finalize your coverage

  If you’re comfortable with the details of your policy, you can finalize the coverage by paying for your policy. From there, you can use the company’s mobile app to manage your policy.

How to file a renters insurance claim with GEICO 

Hopefully you won’t need to use your renters insurance policy. But if a covered peril damages your belongings, you can file a claim for the damage.

With GEICO renters insurance, your policy service options vary based on the partner insurance company you work with. Follow the steps below to file a claim:

1. Find the appropriate claims company. Start by finding the contact information associated with your property insurance policy.^[3]

2. Contact the company online or over the phone. In most cases, you can submit a claim either online or over the phone.

3. Provide details. Prepare to provide relevant details, like the reason for your call, your policy number, and details about the incident. For example, you might provide pictures of water damage from a burst pipe.

GEICO renters insurance FAQs