Types of coverage
When apply for Geico home insurance, you should first learn about the types of coverage the company offers for your residential property. This is essential because from this the total price of the insurance will be defined, in addition to other very important technical issues, such as triggering the insurance, policy, and much more.
So, see in detail, below, each of the possibilities that you will have in this insurance that brings a very in-depth view of those needs that are very common in the world of residential protections. Surely, you know people who have already had problems that are covered by the items below – and you don’t want to go through similar situations.
➡️ Property damage coverage: this is one of the most basic coverages of any insurance. With this item in your contract, you will be covering damage to the house and permanent structures of the property. Here, you will be protected against damage caused by fire, smoke, strong winds, falling trees that hit the property, hailstorms and storms, as well as theft and burglary.
➡️ Personal property coverage: in this case, you will protect those belongings that were damaged or stolen, such as household appliances, electronics, furniture, clothing items, among others. To decide which is the ideal coverage, when apply for Geico home insurance, you can use a calculator to evaluate the best option considering the material value of the items in your home.
➡️ Liability coverage: with this coverage, you protect yourself and also ensure harmony with your neighbors. Want an example? If your child, pet, or some structure of your property causes damage to a neighbor’s house, you will have that loss covered as well. And this includes financial protection if you end up responding to a civil lawsuit filed by the neighborhood.
➡️ Medical bills: if someone visited your home and got hurt, this contract item allows you to cover that person’s health expenses. In liability coverage this is also possible, but the difference is that here you will cover people who do not live in your residence or nearby.
What are living expenses?
This item is another type of coverage that is important for you to consider including when apply for Geico home insurance. This is where you will have access to amounts that allow you to pay rent and other expenses when you need to leave your property until repairs are made. And in these times of extreme weather events, it is essential to think about this coverage.
Advice for you
When apply for Geico home insurance or any other home insurance (we always recommend that you compare options), it is important that you read carefully the items in the contract, types of coverage, and how the guarantees are triggered. At the times we need it most, it is necessary to have ease and peace of mind to use the insurance – even though no one ever wants to need it.
In addition, we recommend that you study the region where your home is located to understand the main risks: severe storms, property crime rates, floods, and other external factors we cannot control. This will help you make the right decision about which coverages to include in your insurance.
Geico offers some discounts for insurance, so it is always important to check what special conditions are valid at that time. By purchasing two types of insurance, for homes and cars, for example, you will have access to better prices. And you can also enjoy discounts when purchasing security items, such as cameras and alarm systems.
How to apply for Geico home insurance?
To apply for Geico home insurance, click the button below and start your online quote today. On the official website, to which you will be redirected, you will be able to ask other very common questions for those who are starting this journey of knowledge and protection. The most important thing is to ensure the safety of your property and your family!