We currently have Geico for car insurance only. We’ll probably drop them when we replace our roof and consolidate insurances to add a teenage driver and umbrella insurance.

When we first bout a house 15 years ago we got home insurance through a Geico affiliate and honestly it was the worst experience. In retrospect they likely didn’t want to cover us, as they quoted double a reasonable cost, but we didn’t know any better - being new homeowners. Then they requested we do a bunch of odd things to the house - clean some bricks on the house, and trim trees “away from the house”. Note that we’re in the midatlantic, so there’s no risk of wildfire.

We took before and after pictures of the house and hired a licensed arborist to clear 10 feet above the roof. But by then, I had shopped around with better companies. They gave me a final notice of cancellation because I didn’t know how to submit the pictures, but it coincided with the start of the new insurance anyway. So we said goodbye and never looked back.

I don’t know why Berkshire isn’t stronger in home insurance. I have a feeling they either see risks that other companies ignore, or are themselves ignorant of the differences in geographic locations.