Owning a condo comes with its perks. You have a place to call your own, and you don’t have to worry about maintenance issues. But when it comes to any surprise damage to your condo, you can’t rely solely on your condominium association to protect you.

That’s where having high-quality condo insurance comes in. With protection from theft, vandalism, lightning, and more, you can minimize or eliminate any legal or financial risk. The This Old House Reviews Team has created an in-depth Geico condo insurance review to help you determine if it’s your best fit.



Our Take on Geico Condo Insurance

Geico offers solid condo insurance, covering your dwelling, personal liability, and even personal property, which some of its competitors do not. Several endorsements are available, ranging from additional coverage for jewelry to earthquake coverage. Geico also offers a range of discounts for condo insurance policies.

On Geico’s Better Business Bureau profile, common complaints cite increased premiums. Some reviews note poor customer service, while others recommend Geico for its professionalism.



Pros and Cons of Condo Insurance by Geico

Compare the advantages and disadvantages of Geico condo insurance.

Pros Available nationwide High quality customer service Multiple discount options
Cons Doesn’t underwrite own condo policies



How Much Does Geico Condo Insurance Cost?

The exact cost of Geico condo insurance depends on a variety of factors, including your property value, where you live, and more. States like Florida are especially expensive to insure due to the likelihood of hurricanes. In general, condo insurance is more expensive than renters insurance but cheaper than purchasing quality homeowners insurance.


Geico offers a variety of condo insurance discounts.

Multi-policyDiscount for bundling your condo insurance policy with another Geico insurance policy
Safety featuresDiscount for having fire alarms, burglar alarms, sprinkler systems, and more
Claim-freeDiscount for going for a stipulated period of time without filing a claim




Geico offers industry-standard condo insurance coverage, along with multiple endorsements so that customers can customize their protection to fit their individual needs.

In general, condo associations’ master insurance policies cover the exterior of the condo and common areas, though the exact coverage depends on the charter and state.

Individual condo unit owners need to take out their own policies to protect the interior of their dwelling, including the walls and cabinets, their personal property, and any liability from accidents that could harm others while inside their condo.

Geico protects condos against the following perils:

  • Fire
  • Lightning
  • Windstorm
  • Smoke
  • Vandalism
  • Malicious mischief
  • Theft
  • Accidental discharge of water
Coverage TypeDescription
DwellingCovers the cost of repairs to the interior of the dwelling, including cabinets and walls
Personal propertyCovers the cost of repairs and replacement of personal property, including furniture, appliances, and clothes, in the event of a covered loss
Loss of use/additional living expensesCovers the costs associated with temporarily living outside your home due to damage or destruction, including meals and accommodations
Personal liabilityCovers the legal and medical expenses associated with a guest being injured in an accident on your property

Geico offers some add-ons to its condo insurance policies.

Coverage TypeDescription
Jewelry and valuablesIncreases coverage for valuable items like jewelry, computers, and musical instruments
FloodCovers repairs or replacements caused by floods
EarthquakeCovers repairs or replacements caused by earthquakes



Reviews of Geico Condo Insurance

Geico is not accredited by the Better Business Bureau, but the company holds an A+ rating from the organization*.

Customers rate Geico just over one star on its profile. Here’s what some people had to say about their experiences with Geico:

Mark C. said:

“I’ve used Geico for the last seven years and they have done a great job for me. No issues with claims. No reactive rate hikes after claims. Great communication. I’d recommend this company.”

Anthony T. said:

“I had nothing but bad customer services from Geico, especially illegally raising rates without contacting me when I renewed my auto insurance. I called to complain about recent changes and for them to give me an explanation. What the rep told me it was due to too many claims for medical and too many accidents filed for claims. WOW really ** excuses people like myself and others with excellent driving records shouldn’t be paying more auto insurance… They won’t care about your concerns.”

*BBB information accurate as of September 30, 2022



Our Conclusion

Geico is a great option for condo insurance, offering industry-standard coverage in addition to several endorsements that allow condo owners to customize their protection nationwide. Multiple discounts can help lower the overall cost.

The only potential downside we’ve found is that Geico does not underwrite its own condo insurance policies.

To ensure you find the right provider for you and your home, we recommend getting quotes from multiple companies that serve your area. You can do so by calling 855-948-5219 or inputting your zip code in the free quote tool below:

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.



Company Information

  • Company name: Geico
  • Company type: Public
  • CEO: Todd Combs
  • Year founded: 1936
  • Headquarters: 5620 Western Ave, Chevy Chase, MD 20815
  • State availability: 50
  • BBB rating: A+



Frequently Asked Questions About Condo Insurance



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.

Read our complete Home Insurance Rating Methodology

Ratings listed in this article are accurate as of April 2023.

A.M. Best Disclaimer