Need feedback quickly please. Bump.

I remember considering GEICO for auto insurance but it ended up being one of the most expensive options. Never looked into them for homeowners.

We had GEICO auto insurance for years. I never even knew they offered a bundle with homeowners. Maybe it depends on what state you are in?

That fact that you didn't know this, tells you something about the company. Sorry but I have had only bad experiences with GEICO. Years ago, called for auto quote. EXTREMELY high. More recently tried again. 3 different reps, rude and ignorant on the phone when I said I needed to talk to my husband 1st. Tried to give me a lower price by dropping our coverage down to the bare minimum, etc. I then was forced by unemployment to sit through a group interview with them. The stuff the manager told us that the reps are trained to say to people on the phone was unbelievable. Not actual lying, just disrespectful, etc.

I would get as many quotes as you can from as many reputable companies as possible.

Thanks Debra, maddilee and Melle! In terms of the coverage and premium, I'm getting the best quotes from GEICO. We have three cars, our current house, a rental house and the previous house on the market. Allstate and State Farm are the other two I'm comparing GEICO to. State Farm is our current insurer and I'm fed up with them after three separate bad experiences. We had GEICO for our cars for nearly 10 years and had no problem. We had Allstate for homeowners during that time. No problem there either. Then I consolidated all our home owners and auto policies with State Farm. Big mistake. Anyway, in terms of amounts of coverage and premiums, among the quotes I'm getting, GEICO's is the best. But I have no experience with their homeowners.

Have never heard of this. Do you know what company Geico uses for Homeowners? Does that other company handle the homeowners claims?Have you looked on the website of your state Insurance Department? They may have some information online. If not, call them up and ask them how many complaints they have had.

In Maryland, Geico uses Liberty mutual for home owners. I have Geico for car insurance and Liberty mutual for home insurance. I did not purchase the homeowners insurance through Geico. 10yrs ago when I was looking, Geico did not have homeowners. The combined price is not much cheaper so I never looked at consolidation. Never had an issue with Geico.

good luck!

Lucy, good idea to call the state insurance dept. The general counsel there is a good friend of mine. Don't know why I didn't think about that. Thanks!

Homepro, liberty mutual is a known entity. Geico sent three different quotes for three different companies' policies -- Arrowhead, Occidental and UPC. Have heard of the first two (don't know much about them) and never heard of the third. Reading up right now on all of them. Thank you!

http://www.bulmanlaw.com/wp-content/uploads/2013/03/TenWorstInsuranceCompanies.pdf

Thank you mdln! I was having trouble logging into our online consumer reports subscription account. You must have heard me pulling my hair!

I have never had geiko. I just want to relay briefly the experience I had recently where a geiko customer (auto) rammed into me as I was completely stopped at a red light. Totally at fault right?

Well, I got their geiko info and called in the claim. Long story short....months later, and after many a stressful phone call between geiko, my own ins, adjuster, the normal run around "trained response" they give you to get out of paying, escalating to flat out lies, the supervisor, and then me actually threatening (very calmly, at all times remaining extremely calm amazingly!) to report them to the attorney general. Finally, I got them to pay! Victory!!!

Point....that was all for a $3,000 car dent. To deal with a whole house? Nightmare!

We have Farmer's bump ba bump bump bump. Two cars and home owners. We had a flood and they treated us wonderfully and generously. The claim was for $20,000 and our rates didn't go up. No auto claims yet.

rebunky, your experience with GEICO is almost identical to mine with State Farm earlier this month. Another State Farm customer ran a red light and hit us pretty hard, air bags deployed, car was badly damaged, and fortunately, neither one of us sustained any serious injuries. A police report finding the other driver in violation, a witness account, and our own statement wasn't enough for them. State Farm with a straight face said "A police report is just that, a police report. It doesn't determine liability." I am a lawyer myself (though I don't do this type of law) and had to report them to the AG's office before they agreed to assess 100% liability on the other driver. I have never sued anyone in my life (in my personal capacity) and not about to start that, but I'm done with State Farm. They also raised the hurricane deductible from 2% to 5% a short time after we went with them.

may-flowers, glad to know about Farmers.

I thought that if both parties to an accident had the same insurance company, the insurance company just paid up regardless of fault.

graywings, we had auto insurance with GEICO for over 10 years and our experience was positive, but I guess any insurance company could handle some customers badly. As for State Farm paying regardless of who was at fault because it insured both drivers, they were willing to pay us, but would not assign liability to the other driver though she was at fault. We didn't think the claim should be paid from our policy (which could affect rates or coverage later) because there was no dispute as to who was at fault in the police report and the witness statement. The other driver wouldn't admit fault until a few weeks after the police report came out and she didn't have any other justification or proof.

If they write in your state, I'd look into Farmers. We were with them for over 20 years and our rep and the service from the company was excellent - we actually felt protected and that they had our backs with a few unusual (to me) claims. They pulled out of NC shortly before we moved and don't write here anymore - a huge disappointment to us.

Unfortunately dlm, farmers pulled out of our state a couple of years ago. Huge losses from hurricane claims.

thanks everyone for your input. Finally went with Allstate, though GEICO's quote was far better in terms coverage and cost. Didn't know enough about the third party insurers whose policies GEICO was selling.

@nutsaboutplants, I hope you never have a claim with them - like I have. Did you look at the CR ratings and "Ten Worst Insurance Companies" report by the American Association for Justice/Assoc of Trial Lawyers?

Safeco is the lowest I could find. For low mileage customers like us, they offer a very, very low rate. No other company came within 50% of Safeco.

Mdln, yes I did see that! Awful. Had to make a quick decision. Brushworks, I will look into safeco. Thank you both!

We had GEICO homeowner's insurance on our new house because we'd had their auto insurance for over 15 years and we were very happy with it even though it was a little pricey. Turns out that they sold our home owner's policy to UPC. They are the worst homeowner's insurance company. Just look at BBB complaints. They are unprofessional and apparently dishonest. I'm very disappointed that GEICO would screw their own loyal customers like this.

I ihave dealt with GEICO for many years and I save money by bundling auto, homeowners, and umbrella liability policies. GEICO reps are invariably efficient, courteous, and helpful. For homeowners policies, they act as agents and shop around for the best policies and rates and only deal with highly rated companies (Best). I have just gone through a harrowing experience with a homeowners insurance company and GEICO saved me from a really bad deal and found me a fine insurance company. I do recommend GEICO!