Geico
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
GEICO markets Home coverage through GEICO Insurance Agency rather than a single filed public appetite guide; homeowners coverage is placed with affiliated and non-affiliated carrier partners, so final underwriting appetite, forms, eligibility, and restrictions vary by partner and state. Publicly, GEICO positions standard owner-occupied single-family homes as the core fit for a standard homeowners policy. Condo/co-op risks require a different policy form, and homes rented to others are directed away from standard HO to dwelling fire or commercial property coverage. Standard exclusions and practical restrictions called out on GEICO’s home materials include no coverage for flood or earthquake without separate policies, no coverage for wear and tear, neglect, deferred maintenance, or intentional damage, and possible restrictions/exclusions for certain dog breeds or dogs with aggression history. GEICO also notes mold is typically not covered when caused by preventable maintenance issues, though resulting damage from a covered peril may be handled differently by policy. Geographic availability and features are state- and carrier-dependent; GEICO expressly notes discounts, coverages, payment plans, and features are not available in all states or situations. Submission/placement is consumer- and agency-portal driven rather than via a public broker appetite bulletin. For producer distribution, GEICO’s independent agent channel is currently described as invite-only/exploratory; only invited agency principals and producers from appointed agencies may apply. Appointment requirements listed by GEICO include personal and business NPN, agency management system sales information, E&O declarations page, W-9, and a roster of associates needing appointment. Operationally: target standard owner-occupied homes; redirect rental dwellings to landlord/dwelling fire; expect partner-specific underwriting on animals, maintenance condition, catastrophe-exposed risks, and state availability; and use separate flood/earthquake placements where needed. No public official GEICO page was found that provides a detailed class-by-class homeowners underwriting appetite, decline list, or broker submission checklist beyond these general eligibility and channel notes.