What's Covered by My Geico Policy?

GEICO offers numerous beneficial insurance policies, including auto, homeowners, and business owner's coverages. You can check out the standard coverages of each policy. While the company takes care of most expenses, you may also add more options for additional protection. Contact customer service if you have any queries or require more information.

GEICO is among the largest insurance providers in the United States of America. The company is almost a household name, thanks to its affordable coverage options. The A++ ratings for financial strength give adequate assurance for policyholders.

You can invest in its various policies, including vehicle, property, and business insurance. Another advantage is the company's robust online services and mobile applications. Customers can easily manage their policies with these digital tools.

There are numerous GEICO insurance policy coverage options. The following breakdown makes it easy to understand what your policy covers:

Auto Coverage

The insurance giant offers the following coverage for its auto insurance policy:

Liability Coverage

This coverage includes bodily injury liability. GEICO pays the damage costs if the other person involved in the accident you cause suffers a bodily injury. Liability coverage also extends to property damage that results from your accident.

Medical Coverage

The insurance company takes care of the medical expenses that arise after your car accident through the medical payments coverage. You can also receive personal injury protection coverage. It pays not only for your medical treatment but also your lost wages and other related expenses.

Uninsured Motorist Coverages

GEICO's uninsured motorist coverage compensates you if an uninsured driver causes any property damage or injuries. You can receive enough protection even if the other at-fault driver has an insufficient policy to pay your claim.

Vehicle Coverages

The collision coverage handles the costs of damages your car suffers during a collision. Additionally, comprehensive coverage provides compensation if your car damages because of vandalism, theft, fire, or flood.

Additional Auto Coverage

You can add the following insurance coverage options for enhanced protection:

  • Mechanical breakdown coverage
  • Rental reimbursement
  • Emergency road service

You can reach out to customer service to know the details of your coverage options.

Homeowners Coverage

A standard GEICO policy coverage for homeowners includes:

Property Damage

The insurance policy covers any damages to your home or permanent structures within your property caused by fire, hail, wind, and water damage.

Personal Property

Your homeowner's coverage protects your belongings such as furniture, clothing, appliances, and dishes that suffer damages. The coverage also applies if any of your belongings are stolen.

Jewelry

You receive limited coverage for jewelry in case of theft. However, you may require special coverage for engagement rings, diamond bracelets, and wedding bands. You can contact customer service to find out which jewelry your policy covers.

Additional Homeowners Coverage

You can also add the following insurance coverage options to your policy:

  • Medical bills
  • Personal liability
  • Additional expenses

Business Owners Coverage

GEICO's business owner's coverage combines liability and property insurance into a single policy. Many medium and small businesses such as retail shops and restaurants find it beneficial. The policy includes the following:

Property Damage or Bodily Damage Liability

The insurance company pays for any injuries or damages to your clients or their property.

Defense Costs for Liability

The policy offers protection against any liability losses such as slander and libel.

Property

The coverage extends to your business equipment and furniture, including computers, desks, and chairs.

For more information on each coverage option, you can reach out to the company. A live representative is available 24/7.

Why Did GetHuman Write "What's Covered by My Geico Policy?"?

After thousands of GEICO customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together What's Covered by My Geico Policy? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting GEICO if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for GEICO Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like GEICO in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What's Covered by My Geico Policy? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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