How do customers rate Hippo Insurance?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Hippo Insurance Reviews: Compare Ratings, Coverage & Discounts in 2020

Hippo Insurance was established in 2015 by founders who wanted to create a modern and cheaper homeowners insurance powered by technology. Hippo’s insurance policies are underwritten by Spinnaker Insurance Company and Topa Insurance Company and reinsured by Munich Re. Hippo Insurance focuses on making the homeowners insurance process faster with automation, modern with technology and offerings and cheaper by saving you up to 25 percent on your insurance premium. Hippo advertises the ability to provide a quote in just 60 seconds on its website.

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Hippo Insurance discounts

Hippo includes certain discounts like its companion policy (having an active car insurance policy with another company) into the base price it offers for insurance. It has many ways for policyholders to save money on premiums with discounts such as:

  • Early Signing discount: Get a new insurance policy for your home or condo before your current policy expires and you can qualify for this Hippo discount of up to 10 percent
  • New Home Discount: Since new homes are less likely to have problems with things that typically wear away in older homes, you save money on insurance with this discount of up to 30 percent
  • Smart Home Discount: Having smart home devices in your home or condo will make you eligible for this discount between 5 and 15 percent. Smart home devices include smoke detectors, alarm systems and water leak detectors that are able to detect problems early on to help you avoid insurance claims
  • No-Claims Discount: Earn up to a 20 percent discount with Hippo Insurance if you go a certain number of years without filing a home or condo insurance claim
  • No-Mortgage Discount: This discount of up to 10 percent is available is you pay for your home upfront
  • Affinity Group Discount: Being part of a certain group can save you between 5 and 20 percent on your homeowners insurance
  • Homeowners Association (HOA) Discount: HOAs often have strict rules and a neighborhood watch that lead to your home being more protected and safer. You can earn a discount between 5 and 10 percent for being part of a homeowners association
  • Fire Extinguisher Discount: Save as much as five percent with Hippo by having a fire extinguisher in your home
  • Gated Community Discount: If your home or condo is in a gated community, you may qualify for a discount between 5 and 20 percent

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What coverages does Hippo Insurance offer?

More about Hippo

Although Hippo Insurance is a tech company, it relies on real humans (not robots) for claims and support via phone calls, chat, email, or tweets.

Hippo has added coverage for electronics you have in your home, including smart appliances. Additionally, Hippo has unique special coverage options, including water backflow and service lines.

Hippo utilizes smart home technology with a water leak sensor included with every policy. The sensor helps to detect problems when they start. Hippo is expanding on the technology it uses and will be introducing more soon.

Hippo has partnered with Xfinity to provide what it calls smart home insurance. You are eligible for certain discounts if you have any Xfinity services. Additionally, if you have certain home safety devices like Xfinity Home security, you can earn more discounts.

What states does Hippo Insurance do business in?

Hippo Insurance sells homeowners insurance in 32 states. See the state Hippo Insurance sells in below and click the link to see how Hippo Insurance compares to the other top companies in that state.

City sketch, Hippo Insurance banner

States Hippo Insurance ranks in top 10 for homeowners insurance