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Geico Mobile Home Insurance Review (2022)

Geico mobile home insurance is available in 47 states. Read this guide to learn about what it covers and determine if it’s right for you.

Mobile home located in a trailer park. iStock

Just as you can protect a traditional home with a home insurance policy, coverage is available to safeguard your mobile home from unexpected expenses from disasters or injuries to guests. Without a mobile home insurance policy, you could have to pay for repairs, rebuilds, and any medical and legal expenses out of pocket.

Selecting the best mobile home insurance company for you involves researching coverage, costs, availability, and more. The This Old House Reviews Team has helped streamline the process by creating this in-depth Geico mobile home insurance review.

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

Table of Contents

Our Take on Geico Mobile Home Insurance

Geico mobile home insurance offers dwelling coverage, personal property coverage, and personal liability coverage. The policies are underwritten by Geico’s insurance agency partner, Assurant, Inc. This means that Assurant accepts the liability and guarantees the payment for covered loss or damage, but Geico backs the guarantee with its financial strength.

Like most homeowners insurance companies, Geico does not offer protection for your mobile home while it is being moved. Unfortunately, Geico mobile home insurance is not available in Arkansas, Tennessee, or Texas.

Compare advantages and disadvantages of Geico mobile home insurance below.

Geico Mobile Home Insurance Pros & Cons

Pros & Cons

Pros Cons
Pros Cons
Comprehensive coverage Not available nationwide
Available in 47 states Doesn’t protect home while it is being moved
Multiple discount options

Geico Mobile Home Insurance Coverage

Geico offers three main categories of coverage for mobile home insurance. The policies protect homeowners’ mobile homes and adjacent structures from the following perils:

  • Fire
  • Lightning
  • Hail
  • Windstorm
  • Falling objects
  • Explosion
  • Visitor injuries
  • Vandalism

The policy will not offer coverage for your mobile home while it is being moved.

Here are the three types of coverage that Geico offers for mobile home insurance:

What’s Covered with Geico Mobile Home Insurance


Type Description
Type Description
Dwelling and adjacent structures Covers the repair or rebuild of the mobile home and adjacent structures (i.e. detached garage; shed) from all forms of covered losses
Personal property Covers personal property like furniture, clothes, appliances, and electronics that are damaged or destroyed due to a covered loss, whether on your property or away from your home (coverage is less comprehensive for items not located in your home)
Personal liability Covers unintentional bodily injury or property damage to guests on your property, including legal fees and medical expenses

Geico Mobile Home Insurance State Availability

Geico mobile home insurance is more widely available than many of its competitors, with availability in 47 states, all except Texas, Tennessee, and Arkansas.

Because of its nationwide availability, Geico Mobile Home Insurance makes it easy to stay with the company if you move. It also makes it easy to transition to a homeowners, renters, or condo insurance plan.

How Much Does Geico Mobile Home Insurance Cost?

In general, mobile homes cost more to insure than traditional homes. Unfortunately, mobile homes are at a greater risk of vandalism, theft, and wind damage, which raises the costs to insure them.

The location of your home can also affect the overall cost of a mobile home insurance plan. This is mainly due to weather conditions and climate of each state. For example, Florida and Louisiana are two of the most expensive states for mobile home insurance due to their extreme weather conditions. Vermont and Utah, which are more temperate states, are two of the cheapest.

Geico Mobile Home Insurance Discounts

Geico offers a variety of discounts to help reduce the cost of your mobile home insurance coverage.

Property Discounts

  • Home security or protective devices: If you have an alarm system installed in your mobile home, you can possibly receive additional savings on your policy.
  • Fire extinguisher: Fire extinguishers not only help you fight fires, but they can also help you get a discount on your Geico mobile home insurance policy.
  • Smoke detectors: Similar to its fire extinguisher discount, the presence of smoke detectors in your mobile home qualifies you for a discount on your insurance policy.

Policy Discounts

  • Multi-policy: When you insure your car with Geico and have a mobile or manufactured home insurance policy with the company, you can possibly receive a discount on your car insurance.
  • Military: Military members and veterans can be eligible for discounts on their mobile home insurance with Geico.
  • Good Student: If you are a college student with a mobile home and you maintain a minimum 3.0 GPA, then you can possibly receive a discount on your policy.

Reviews of Geico Insurance

Geico is not accredited by the Better Business Bureau (BBB), but the company holds an A+ rating from the organization. Overall, customers rate Geico 1 out of 5 stars on its profile. In addition to mobile home insurance, Geico also sells home insurance plans and offers auto coverage. Here’s what some customers had to say about their experience with Geico.

Kenneth A. said, via BBB:

“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”

PF, via BBB:

“I think GEICO Insurance has pros and cons. Pros include really doing what they say they will do. They are timely in dealing with claims and process claims quickly. They help with roadside assisitance. It is easy to make online payments. The cons are that if you have one quick question, you have to wait on hold for over 1 hour and 10 minutes just to ask one quick thing (that’s the time right now...I am still on hold...super annoying hold music and voice). They need a real customer service department. The chat and online responses are vague at best. Sometimes you just need to speak to a person and it is almost impossible. How long am I going to be on hold? Who knows....apparently not GEICO, they said 50 minutes.

Geico vs The Competition

See how Geico stacks up to its top competitors on key metrics.


Provider State Farm Geico Allstate
Provider State Farm Geico Allstate
24/7 Customer Service
Online Quote X X X
Additional Living Expenses X X
State Availability 50 47 50
Multi-Policy Discount

Our Conclusion and Rating On Geico For Mobile Home Insurance

Geico offers all of the basic coverage for mobile home insurance, along with a handful of both property and policy discounts. Like most mobile home insurance policies, the coverage does not extend to mobile homes while they are being moved. Geico mobile home insurance is available in most states but does not cover mobile homes in Arkansas, Tennessee, or Texas.

When considering mobile home insurance, we recommend getting quotes from multiple companies that offer coverage in your area. For free quotes, call 855-948-5219 or input your zip code in the tool below:

Frequently Asked Questions

Does Geico offer mobile home insurance?

Yes, Geico offers coverage for dwelling and adjacent structures, personal property, and personal liability.

Is homeowners insurance more expensive for mobile homes?

Yes, in general home insurance policies for mobile homes cost more because of the higher risk for theft and vandalism, along with their reduced capacity for withstanding events like fires and floods.

Does mobile home insurance include adjacent structures?

Yes, a Geico mobile home policy includes coverage for adjacent, detached structures like garages or sheds.

Can you bundle a Geico mobile home insurance policy?

Yes, Geico offers multi-policy discounts when you bundle coverage.

Company Information

  • Company name: Geico
  • Company type: Public
  • CEO: Todd Combs
  • Year founded: 1936
  • Headquarters: 5620 Western Ave, Chevy Chase, MD 20815
  • State availability: 47
  • 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