Hippo Home Insurance Review

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More coverage for computers and home office equipment
Coverage only in 37 states
Quotes in 60 seconds or less

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Reviews Report

  • Reviews.com scored Hippo home insurance company a 4.3 out of 5, based on coverage, customer experience, and financial stability. 
  • Hippo home insurance offers four times more coverage on standard endorsements, including home office, electronics, and smart appliances.
  • Some homeowners are eligible for a free smart home monitoring kit plus homeowners insurance discount for installation and monitoring.

Founded in 2015, fintech startup Hippo started selling home insurance policies in 2017. Hippo Insurance Services offers homeowners, condo owners, and landlords insurance products designed to prevent losses and awards customers for doing so with discounts and free smart home monitoring systems.

Hippo home insurance includes many coverages and options that other companies don’t offer. Modern homeowners insurance coverage from Hippo includes home office equipment, equipment breakdown, and water backup come standard, replacing older standard coverages like furs and inherited china sets. Hippo Home Care is a free service for customers to speak with experts about maintenance and repairs. The company focuses on helping contemporary homeowners — who may be reliant on smart home technology or work from a home office — find coverage that fits their needs.

Hippo Home Insurance Overview

Reviews.com Score
A.M. Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
State Served

During the 2019 California wildfires, Hippo co-founder and CEO Assaf Wand gave out his personal phone number and email address to customers, offering a personal touch rare in the insurance industry. Furthermore, prior to major weather events, Hippo contacts customers to help them protect their homes and belongings from losses. In 2018, Hippo created the Amazon Alexa skill “away mode” for users to deter burglaries when they aren’t home. Additionally, Hippo offers free Home Care Experts for customers to get help with maintenance and repair. 

Partnered with Kangaroo, Notion, and SimpliSafe, Hippo offers eligible homeowners free smart home monitoring systems to use, which can mean up to 13% savings on their home insurance, depending on the type of system a homeowner has.


  • Quote in 60 seconds A Hippo home insurance quote takes about 60 seconds or less to obtain and uses artificial intelligence to help gather information about your home.
  • Modernized home insurance coverages are available Choose from three tiers of coverage with incentives and discounts for smart home features.
  • Many coverage enhancements come standard Hippo offers coverage for equipment breakdown, computers, service lines, and more in its basic home policy.
  • Free smart home monitoring kit A free smart home monitoring kit is available to eligible customers and can lead to a discount.


  • No online claims process is available Claims are filed by phone or by sending an email.
  • Fewer discounts The company offers fewer discounts than some competitors
  • No in-person agents All business is conducted online or by phone.

Hippo Home Insurance Highlights

Customer Experience
Claims Process

Hippo offers home insurance for condo owners, homeowners, landlords, and homes under construction. Basic coverages for home insurance are:

  • Dwelling
  • Belongings (personal property)
  • Liability
  • Loss of use
  • Medical payments to others

To customize your Hippo homeowners insurance, you may be able to add optional coverages, including:

  • Additional structures
  • Earthquake coverage
  • Equipment breakdown
  • Home-based business
  • Increased limits for high-value items
  • Mortgage payment protection
  • Ordinance or law
  • Service line protection
  • Sewer backup
  • Watercraft endorsement
  • Household workers
  • Smart home upgrades
  • Computer coverage

Hippo offers several discount options that could help homeowners to lower their home insurance premiums. Certain home improvements, like replacing an existing roof with hail resistant materials, might also save on Hippo home insurance premiums. Discounts include:

  • Affinity discount
  • Claim-free discount
  • Companion policy discount
  • Hail resistant roof discount
  • HOA discount
  • Home buyer discount
  • Smart home discount
  • Theft protection devices discount

In the last three years, Hippo has had 19 complaints filed with the Better Business Bureau (BBB) and closed 15 in the last year, with an overall 3.65 out of 5 stars. Consumers Advocate scores Hippo 4.8 out of 5 stars with 53 customer reviews for its home insurance products. Most reviews are positive about pricing and ease of contacting customer service, while others complain about high renewal rates and lack of response.

Hippo’s claims process is relatively simple, and will typically follow a fairly standard procedure:

  1. File the claim over the phone or by email
  2. Get an adjuster assigned
  3. Schedule an inspection
  4. Follow up from Hippo if more documentation is required
  5. Hippo reviews the file
  6. Hippo approves or denies the claim
  7. Hippo pays approved claims

Hippo offers an Insurance Claims Pledge for a smooth and fast claims process and fair treatment of claimants. Hippo also provides a dedicated claims concierge to walk you through the process.

Hippo Home Insurance vs. The Competition 

ProviderReviews.com ScoreJ.D. Power Customer Satisfaction*AM BestAvailable Discounts
Hippo4.3N/AA-Companion policy discount
Hail resistant roof discount
Home buyer discount
Smart home discount
Theft protection devices discount
Lemonade2.25N/AN/AMulti-policy discount
Protective devices
Pay in full
Mercury Insurance2.75N/AAGated community
New home
Fire-resistant construction
Protective devices
Chubb3.5778A++Burglar/fire alarm
Renovated home
Residential sprinkler system
Suburban rating
Masonry construction

Information accurate as of July 2021

*J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

Hippo vs. Lemonade

Both homeowners insurers review applications using AI technology, offering fast quotes and policy processing. Claims cannot be filed online with Hippo, but Lemonade offers a fully online buying, servicing, and claims processes. Lemonade has a reputation for paying claims exceptionally fast, whereas Hippo could take up to 15 days or longer to pay. Hippo offers more discounts than Lemonade on its home insurance policies. However, Hippo home insurance reviews are generally more positive than Lemonade’s reviews.

Hippo vs. Mercury Insurance

On top of offering the standard home insurance coverages, Mercury also has optional coverages for home appliances, service line protection, identity theft, and cyber protection. While Hippo offers optional earthquake coverage, Mercury does not. Mercury has dedicated agents but with Hippo, business is conducted online or by phone. Compared to Hippo, Mercury offers fewer discounts on its home insurance policies.

Hippo vs. Chubb

Insuring your home with Chubb provides free access to identity management services, property management for second homes, and risk assessment services to detect problems and minimize losses. Chubb guarantees first claims contact within 24 hours of filing and payments 48 hours after settlement. Hippo home insurance claims may take longer to settle. With Chubb, you can’t get quotes online — you have to speak to an agent for homeowners insurance. Chubb also offers more discounts than Hippo for homeowners insurance.

Hippo Home Insurance FAQ


We evaluated Hippo home insurance based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

  • Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
  • Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
  • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
  • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
  • Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

About the Authors

Cate Deventer

Cate Deventer Insurance Editor

Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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