How GEICO Homeowners Insurance Works.
Unlike some insurers, GEICO partners with third-party companies to offer homeowners insurance. This means coverage specifics can vary, but most policies follow standard protections for water, fire, and mold when tied to a covered loss.
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While GEICO is best known for auto coverage, the company also provides homeowners insurance through partner insurers. If you live in Los Angeles, a GEICO homeowners policy may help cover water, fire, and mold damage depending on the provider underwriting your policy.
At Onsite Pro Restoration, we work with GEICO customers to understand policy details, file claims, and ensure your home is restored quickly.
Does GEICO Cover Water Damage?
Most GEICO homeowners policies cover sudden, accidental water damage such as:
Burst or broken pipes
Appliance or HVAC leaks
Roof leaks from storms
Not covered: flooding, gradual leaks, or neglect.
Tip: Consider separate flood insurance if your Los Angeles home is in a high-risk area.
Fire and Smoke Damage Coverage with GEICO
GEICO homeowners insurance generally covers:
Fire and smoke cleanup
Structural fire damage repairs
Wildfire damage (depending on provider)
Exclusions: intentional damage, unreported hazards.
Tip: Keep receipts for temporary living expenses — many policies cover hotels or rentals after fire damage.
Mold Coverage in GEICO Homeowners Policies
Mold is often covered only when it results from a covered water loss. Typical coverage includes:
Mold inspection and testing
Professional remediation services
Preventive steps after cleanup
Exclusions: mold from humidity, poor ventilation, or long-term leaks.
Yes, if the damage is sudden and accidental.
Yes, most partner policies include wildfire protection.
Only if mold resulted from a covered water loss.
Onsite Pro Restoration Works with GEICO Customers
Our licensed team works with GEICO’s partner insurers to make sure your damage is properly documented and your claim is processed smoothly.
Call 818-336-1800 today for help with your GEICO homeowners insurance claim in Los Angeles.