A few years ago my wife changed insurance companies from Allstate to the gecko which is backed by travelers insurance I had a claim this year a foundation had Frozen and cracked under my garage and was causing structural issues the floor had Frozen and heaved up and I went to turn it in on the insurance and found out that travelers and Geico doesn't cover any damage caused by ice water sinkholes moving ground or anything like that I asked him what they did cover and they seem to avoid anything that could possibly happen they cover fire and that's about it I would not recommend their insurance to anybody because when you need them the most they are definitely not there if I could give them zero Stars I would User's recommendation: Be very careful buying Geico homeowners insurance they don't cover anything and they will weasel out of paying for any damages.