Hippo Home Insurance Review

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More coverage for computers and home office equipment
Coverage only in 30 states
Quotes in 60 seconds or less

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Reviews Report

  • Reviews.com score 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.

Modern 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.

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.


  • Quote in 60 seconds Hippo offers online home insurance quotes in 60 seconds or less using artificial intelligence.
  • Modernized home insurance policies Choose from three tiers of coverage with incentives and discounts for smart home features.
  • 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 Eligible homeowners get a free smart home monitoring kit plus discounts on Hippo home insurance.


  • No online claims process To file a claim with Hippo, customers must call a representative.
  • Lack of industry presence Hippo has been offering home insurance since 2017 and has yet to build an industry reputation.
  • Few discounts Hippo only offers seven discounts on its home insurance policies.
  • No in-person agents To purchase home insurance or make changes, it must be done online or over the 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 home insurance, Hippo also offers several options for add-on coverages:

  • 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

Hippo offers several discount options for homeowners to lower their home insurance premiums. Certain home improvements, like replacing an existing roof with hail resistant materials, can 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 15 complaints filed with the Better Business Bureau (BBB) and closed 13 in the last year, with an overall 3.81 out of 5 stars. Consumers Advocate scores Hippo 4.8 out of 5 stars with 52 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 simple:

  1. File the claim over the phone.
  2. Get an adjuster assigned.
  3. Inspection is scheduled.
  4. Follow up from Hippo if more documentation is required.
  5. Hippo reviews the file.
  6. Claim is approved or denied.
  7. Claim is paid if approved.

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/AAMulti-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 May 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. Though Hippo uses a digital approach, claims cannot be filed online but Lemonade offers a fully online buying, servicing, and claims process. Lemonade has a reputation for paying claims exceptionally fast, whereas Hippo takes up to 15 days or longer to pay. While Hippo offers seven discounts, Lemonade only offers three.

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, only independent agencies offering Hippo to customers get agency support. Compared to Hippo, Mercury home insurance offers five discounts whereas Hippo offers seven on their homeowners policies.

Hippo vs. Chubb

Insuring your home with Chubb insurance 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, but Hippo’s window is longer at 15 days each. With Chubb, you can’t get quotes online, you have to speak to an agent for homeowners insurance. Chubb offers 14 discount options but Hippo only offers seven.

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

Mandy Sleight is an insurance writer for Reviews.com. Over the last three years, she has covered insurance providers, coverage, costs of insurance, and more at MoneyGeek, Bankrate, and The Simple Dollar.

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