Hippo Insurance Review 2026
Pros, Cons & Customer Experiences
Hippo Insurance: Pros and Cons
Pros
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Fast online quotes -
Higher coverage limits
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Offer smart home technology systems
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Offers various discounts
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24/7 claims reporting
Cons
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Doesn’t offer other insurance products -
Not available in all states
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Volume of complaints
| Dwelling coverage | Helps pay for repairs after you cover the deductible if your main house is damaged by a covered event. Hippo calculates this coverage based on how much it would cost to rebuild your home today. They also offer extended replacement cost coverage, which provides extra funds if repairs cost more than expected. Your roof will be covered either at replacement cost or actual cash value, depending on its age and condition. |
| Other structures | Covers attached/detached structures, like a shed or garage. |
| Personal property | Protects your personal property like clothing, appliances, etc. against fire, theft, and more. |
| Liability | Covers medical expenses, lost wages, legal fees, and death benefits if an event with a third-party result in injury, personal or property damage. |
| Additional living expenses | Also known as loss of use, it covers any extra expenses arising while displaced from the home. For example, food costs, hotels and storage. |
| Home office | Covers home office equipment, such as computers and printers, for up to $10,000. |
| Domestic workers | This workers’ compensation coverage protects you if a household worker, like a babysitter or gardener, is injured on your property. |
| Water backup | Covers damage caused by drain overflow, or when water backs up. |
| Electronics | Covers expensive electronics, such as laptops, TVs, up to $8,000 in optional coverage. |
| Miscellaneous | Enhances your personal property coverage by covering up to $5,000 for the theft of jewelry, watches or other precious and semi-precious stones. |
| Equipment breakdown | Hippo offers up to $100,00 to cover home equipment that you need to either repair or replace. It comes with a $500 deductible for appliances less than 15 years old and a $1,500 deductible for older products. |
| Water backup | Your standard water backup coverage can be doubled up to $20,000 with this rider. |
| Service line | While service line maintenance is taken care of, you are responsible for different expenses, like excavation, repair and more. This rider provides up to $10,000 to cover these costs. |
| Valuables | If you have a collection of valuables, Hippo provides up to $2,000 to protect items such as jewelry and watches from covered perils. You can also get a rider to enhance your jewelry and watches protection by an additional $5,000. |
| Mortgage payment protection | Hippo also has plans that include mortgage payment protection up to $1,500 per month to assist you with your mortgage while your home is uninhabitable. |
| State | Hippo Annual Premium | Average Annual Premium |
|---|---|---|
| California | $2,768 | $1,587 |
| Texas | $3,491 | $5,137 |
| South Carolina | $1,425 | $2,076 |
| Vermont | $1,260 | $1,298 |
| Existing smart-home devices | You can save more if you’ve installed professionally monitored fire or theft alarm systems, water sensors or valve closure devices. |
| Automatic sprinkler system | You can reduce your premiums by properly maintaining an automatic home sprinkler system. A full system can get you a bigger reduction. |
| Self-monitored smart home | Hippo has a partnership with Ring to offer a discount for smart home monitoring. Having a smart security system may help you qualify for this discount. |
| Loss-free discount | Offered to eligible customers who haven’t had a claim in 3 or 5 years, depending on the experience period. |
| Hail-resistant roof discount | Eligible consumers can save more for installing impact-resistant shingles |
Hippo's Sample Customer Reviews
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(4 Reviews)
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Reviews
Best insurance company I have worked with. Very responsive and extremely helpful. The best part, create a quote online in a few minutes without having to talk to an agent who won’t listen and stop talking. Keep it up!
I’ve been with Hippo for a long time now and to this point they’ve been exceptionally prompt to my needs. An excellent company to have insurance with..
hese people came through for me last minute during my home buying experience. I was having trouble finding someone to insure me because 1 had 3 loans against my home. Thank you, Hippo!
I had a bad experience with Hippo Insurance. They did not provide the necessary information to my other insurance company, which resulted in my policy getting cancelled. I also found their customer support to be unhelpful in resolving the issue.
Source: BBB,Trustpilot
| J.D. Power Rating | N/A |
| AM Best Rating | A- |
| Availability | 41 states (excluding Florida, Idaho, Iowa, Louisiana, Montana, North Dakota, Oklahoma, South Dakota and Wyoming) |
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