Hippo Insurance: Affordable Coverage For Your Home

Hippo is a modern insurance company designed to protect the homes and belongings of the modern consumer. Individuals who work from home or are tech-savvy may find that Hippo can provide the coverage they need.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • Hippo provides insurance in 37 states currently
  • Hippo offers a free smart home kit to qualifying homeowners
  • Hippo offers a home and car insurance bundle with Metromile

Artificial intelligence isn’t a concept locked in the pages of a science fiction novel anymore. With Hippo Insurance, you’ll have artificial intelligence working on your side to modernize the protection of your home or condo. This fresh and innovative company hasn’t been in the business long, but it is already providing home insurance to homeowners in over half of the United States.

Hippo also offers modern coverage options that aim to protect all the hi-tech appliances that modern consumers rely on a daily basis to do their jobs or simply have fun.

Keep reading to learn more about this inventive company’s coverage options, who owns Hippo insurance, and discover if your home could be better protected by Hippo’s services.

Hippo Insurance is certainly exciting, but don’t forget to request at least five quotes from other companies to find the best policy for you. You can enter your ZIP code to start comparing free quotes and get your home protected.

Is Hippo insurance a good company?

Hippo Insurance was founded in 2015 by Assaf Wand and Eyal Navon. Based in California, Hippo is now a publicly-traded company. While the 2021 Hippo Insurance SPAC merger caused a bit of a kerfuffle — the company lost $192 million in funding — it has been going strong ever since. In fact, the companies that underwrite Hippo all have an A- rating from A.M. Best. These three companies are:

  • Canopius U.S. Insurance
  • Spinnaker Insurance Company
  • Topa Insurance Company

Hippo is a company that aims to provide homeowners with the tools they need to quickly get quotes and file claims. To accomplish this, the company employs a mix of machine learning, data, and artificial intelligence. These tools allow the company to provide quotes in under a minute. If you’re someone who is always traveling at warp speed, this company may be a good fit for you.

Of course, you can always make use of free resources like Hippo Insurance reviews to verify if Hippo is the insurance company you’re looking for.

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What type of coverage does Hippo offer?

When shopping for home insurance, you won’t have to worry about limited coverage options if you decide to work with Hippo. With Hippo, there are plenty of coverage options to choose from, and this company understands the modern consumer market. Hippo recognizes just how large a role technology plays in a person’s everyday life and offers increased limits on electronics and appliances, so you can go about your day stress-free.

In fact, Hippo boasts that it provides over three times the amount of coverage its competitors offer for home office equipment and electronics. If you work from home, that could be very appealing to you, but always remember to compare quotes from multiple companies before purchasing a policy, so you can be sure that you are getting the best amount of coverage at the best rate possible.

Hippo hasn’t forgotten that the core purpose of home insurance is to protect your house, so it does offer the coverages that you would expect like dwelling, personal property, liability coverage, and additional living expenses, but if you would like to customize your policy with Hippo, you could also purchase:

  • Computer and home office coverage
  • Water backup coverage
  • Appliances and electronics coverage
  • Enhanced building cost
  • Personal property replacement cost
  • Jewelry and valuables
  • Service line coverage
  • Hippo Home Care

Hippo does business in multiple states across the country, and because of that, your coverage options may change depending upon where you live. It is also important to note that if you live in Alaska, Hawaii, Idaho, Iowa, Louisiana, Massachusetts, Montana, New York, North Dakota, North Carolina, Oklahoma, South Dakota, Wyoming, or Washington, D.C., you will not be able to purchase a policy from Hippo.

Where you call home may also influence your rates with Hippo.

How much does Hippo Insurance cost?

On average, a policy with Hippo costs about $214 a month, but every applicant must provide data in order to receive a unique rate. When you fill out a quote online, you must be ready to share your full name, your address, your contact information, your age, and details about your home’s construction and the items within it.

With this information, Hippo could determine how much it would cost to rebuild your home and how much of a risk you would pose to the company. If you have a question about your rate and want to speak to a Hippo Insurance representative.

Unlike companies like State Farm or Allstate, Hippo insurance offices aren’t located on every other corner. The company does offer a 24-hour customer service line, so you can always talk to someone over the phone and use your Hippo insurance login to pull up your policy documents so you can review your policy with them.

Does Hippo offer home insurance discounts?

Homeowners who are trying to save money on their insurance will be pleased to learn that Hippo offers quite a few discounts. You may be able to qualify for an early signing discount, an HOA discount, a new home discount, and a no mortgage discount.

Hippo has even partnered with the telecommunications company Xfinity to provide homeowners with a smart home discount. You could shave up to 25% off your rate if you have Xfinity cable TV, internet, and phone services in your home. On top of that, if your home qualifies, you may even be able to receive a free smart home kit from Hippo.

The saving opportunities don’t end there. While Hippo doesn’t offer a car insurance policy, it has partnered with Metromile. That means if you own a car insurance policy through Metromile and purchase home insurance through Hippo, you may be able to save 15% on both of your policies.

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How can homeowners file claims with Hippo?

Filing a claim with Hippo can be done in two ways. You can either call Hippo’s all-hours service line or email the claims department. Once you’ve done so, a representative from the company will be assigned to your claim and will serve as your point of contact. You will be able to reach out to this individual if you have any questions or concerns as your claim process moves along.

Are Hippo Insurance quotes available online?

Compare your insurance rates using Hippo’s free and easy online comparison tool to get the best deal. Hippo offers insurance for cars, homes, buildings, businesses, travel and medical aid, and more.

What You Need to Know About Hippo Insurance

Hippo is a modern insurance company designed for a modern consumer base. Individuals who love tech, have a smart home, or work from home may be a great fit for a Hippo home insurance policy. With Hippo, you can get the coverage you need for your home office, computers, or modern devices. Hippo’s strategy of partnering with other companies like Metromile could potentially save you quite a bit of money too.

Hippo is only available in 37 states currently, but if you live outside this company’s service, you can always shop online to find great insurance companies near you.

After reading this detailed review, you should feel confident to begin your insurance shopping experience. Enter your ZIP code to get free quotes delivered to you today.

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Frequently Asked Questions (FAQ)

Can I get discounts for smart home devices?

Most major insurance companies offer discounts if your home is equipped with smart home devices like a security or sprinkler system, as this mitigates risk not only for you, but for the insurance companies as well.

Can I get hurricane wind damage coverage with Hippo?

Hippo offers a separate windstorm deductible for homeowners who live in states where hurricanes are common. You can expect this deductible to run at 1-5% of your insured property value.

Can I buy earthquake and flood coverage from Hippo?

Hippo policies don’t come with coverage for earthquakes or floods; however, if you live in an area where these natural disasters are prone to occur, you can reach out to an independent agent who can find you policies that can get you the coverage you need to protect your home.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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