Geico Flood Insurance Review

#1 in Flood Insurance

Geico is one of the largest insurance providers today and was originally started in 1936 as the Employee Insurance Company for the Government and Military personnel. Included in its line-up of insurance programs is flood insurance which offers coverage for personal injury, structure and property damage during floods.

 

Company Profile

BBB Ratings

A+

States Served

50

Age of Company

70

AM Best Ratings

A++

 

Structures Covered

Geico flood insurance is available for condominiums, townhouses, offices and apartments. Coverage and specific policy limits may differ with each structure.

 

Condo

Yes

Townhouses

Yes

Offices

Yes

Apartments

Yes

 

Plan Details

Geico does not disclose the minimum and maximum coverage for its flood insurance plans. Coverageand premiums depends on individual client needs and budget. There is 30-day waiting time from the date of purchased before the policy goes into effect.

Policy Effectivity

30 days

Annual Plan

Yes

Minimum Coverage

Not Stated

Maximum Coverage

Not Stated

Sample Policy

None

Privacy  Policy

Yes

 

Coverage and Protection

Geico flood insurance covers property damage for residential and commercial properties. Coverage includes personal injury, cars, appliances, floor coverings, electrical and plumbing system, personal belongings and debris removal.

Personal Injury

Yes

Cars

Yes

Appliance

Yes

Furniture

Yes

Electrical and Plumbing System

Yes

Personal Belongings

Yes

Floor Coverings

Yes

Debris Removal

Yes

Currency and Valuable Papers

No

Non-flammable insulation

Yes

Commercial

Yes

Residential

Yes

 

Coverage Limitation Areas

There are limits for areas located in low elevated floors. Areas not covered are basements, crawl spaces, walk-out basements, and other enclosed areas.

Basement

Yes

Crawl Space

Yes

Walk-out Basement

Yes

Enclosed Areas

Yes

 

Help, Support and Usability

Geico gives policyholders easy access to information and online support services like coverage calculator, online quotation, online claims, 24-hour telephone claim as well as telephone support, and FAQs. However, live chat is not currently available.

Coverage Calculator

Yes

Online Quotes

Yes

Online Claims

Yes

Telephone Support

Yes

Email

Yes

Live Chat

No

FAQs

Yes

 

Flood Insurance at Geico

Geico has been rated A++ by A.M Best Ratings and A+ by the BBB which is a testament to the company’s solid financial ratings and customer service. Its flood insurance plans provide excellent coverage for property damage and personal injury. The company also gives customers easy access to its customer support services. Geico is an all-around performer giving clients solid flood insurance coverage at very competitive prices. 

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