Geico Mobile Home Insurance Review 2020

Mobile home located in a trailer park. iStock

Geico mobile home insurance is available in 47 states. Read this guide to learn about what it covers and determine if it’s right for you.

Just as you can protect a traditional home with a home insurance policy, coverage is available to safeguard your mobile home from unexpected expenses from disasters or injuries to guests. Without a mobile home insurance policy, you could have to pay for repairs, rebuilds, and any medical and legal expenses out of pocket.

Selecting the best mobile home insurance company for you involves researching coverage, costs, availability, and more. The This Old House Reviews team has helped streamline the process by creating this in-depth Geico mobile home insurance review.

To get quotes from providers in your area, call 855-948-5219 or enter your zip code in the tool below:

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Geico Mobile Home Insurance Cost?
  • Discounts
  • Reviews of Geico Insurance
  • Geico vs The Competition
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information

Our Take

Geico mobile home insurance fits the industry standard, offering dwelling coverage, personal property coverage, and personal liability coverage. The home insurance policies are underwritten by Assurant, Inc., meaning that Assurant accepts the liability and guarantees the payment for covered loss or damage, but Geico backs the guarantee with its financial strength.

Like most home insurance companies, Geico does not offer protection for your mobile home while it is being moved. Unfortunately, Geico mobile home insurance is not available in Arkansas, Tennessee, or Texas.

Pros & Cons

Compare advantages and disadvantages of Geico mobile home insurance.


Geico offers three main categories of coverage for mobile home insurance. The policies protect homeowners’ mobile homes and adjacent structures from the following perils:

  • Fire
  • Lightning
  • Hail
  • Windstorm
  • Falling objects
  • Explosion
  • Visitor injuries
  • Vandalism

The policy will not offer coverage for your mobile home while it is being moved.

Here are the three types of coverage that Geico offers for mobile home insurance:


Geico mobile home insurance is available in 47 states, all except Texas, Tennessee, and Arkansas.

How Much Does Geico Mobile Home Insurance Cost?

In general, mobile homes cost more to insure than traditional homes. Unfortunately, mobile homes are at a greater risk of vandalism, theft, and wind damage, which raises the costs to insure them.


Geico offers a variety of discounts to help reduce the cost of your home insurance coverage.

Property Discounts

  • Home security or protective devices
  • Fire extinguisher
  • Smoke detectors

Policy Discounts

  • Multi-policy
  • Military
  • Good Student

Reviews of Geico Mobile Home Insurance

Geico is not accredited by the Better Business Bureau (BBB), but the company holds an A+ rating from the organization. Overall, customers rate Geico 1 out of 5 stars on its profile. In addition to mobile home insurance, Geico also sells home insurance plans and offers auto coverage. Here’s what some customers had to say about their experience with Geico.

Kenneth A. said, via BBB:

“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”

Steven said, via BBB:

“After eight years of insuring my car, Geico decided I was a risk with no claims from me and a perfect driving record. There were three claims in three years, all resolved by the other parties, none my fault. So they concluded I was a risk and warranted a 65% increase in premium. Does this make sense? They take your money and throw you out when they feel like it.”

Geico vs The Competition

See how Geico stacks up to its top competitors on key metrics.

Our Conclusion

Geico offers all of the basic coverage for mobile home insurance, along with a handful of both property and policy discounts. Like most insurance companies’ mobile home insurance policies, the coverage does not extend to mobile homes while they are being moved. Geico mobile home insurance is available in most states but does not cover mobile homes in Arkansas, Tennessee, or Texas.

When considering mobile home insurance, we recommend getting quotes from multiple companies that offer coverage in your area. For free quotes, call 855-948-5219 or input your zip code in the tool below:

Company Information

  • Company name: Geico
  • Company type: Public
  • CEO: Todd Combs
  • Year founded: 1936
  • Headquarters: 5620 Western Ave, Chevy Chase, MD 20815
  • State availability: 47
  • BBB rating: A+

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Does Geico offer mobile home insurance?

Yes, Geico offers coverage for dwelling and adjacent structures, personal property, and personal liability.

Is homeowners insurance more expensive for mobile homes?

Yes, in general home insurance policies for mobile homes cost more because of the higher risk for theft and vandalism, along with their reduced capacity for withstanding events like fires and floods.

Does mobile home insurance include adjacent structures?

Yes, a Geico mobile home policy includes coverage for adjacent, detached structures like garages or sheds.

Can you bundle a Geico mobile home insurance policy?

Yes, Geico offers multi-policy discounts when you bundle coverage.

To share feedback or ask a question about this article, send a note to our Reviews team at

Leave a Comment

Your email address will not be published. Required fields are marked *