Hippo Homeowners Insurance Reviews
Our editorial standards
- Our editorial team reviews and fact-checks all content before it’s published.
- We rely on expert input and trusted sources to verify our articles.
- All articles published must meet our editorial standards and independence policy.
Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
+2 more
About Hippo Homeowners Insurance
Hippo first opened its doors in 2015 and began selling policies two years later. Although fairly new, it has expanded its homeowners insurance services across the nation. Currently, it serves 37 states in total and is continuing to grow. Its main product focuses on smart home technology that identifies problems before they can spiral into big claims. It also includes options for modern homeowners such as its increased coverage for home offices.
Visit www.hippo.com- 60-second online quotes
- Preventative tools to stop accidents
- 4X coverage for your home office
- Specialty discounts available
- Not available in all states
Our editor’s take
Hippo homeowners insurance is not a great match for everyone but the tech-focused homeowner may find it interesting enough to get a quote. If you’re seeking blanket coverage for all aspects of home ownership, you’ll have better luck with another insurer.
Hippo currently offers several home policies, including HO-3 (homeowners insurance), HO-6 (condo insurance) and DP-3 coverage (landlord insurance).
How does Hippo Homeowners Insurance work?
Hippo partners with third-party vendors to provide coverage outside of the normal confines of homeowners insurance. Its most popular extended coverage is for homeowners with a home office with expensive equipment like computers and monitors.
Hippo claims you can receive a quote online in 60 seconds. The final quote will take a bit longer since you have to answer questions about your policy and see what discounts you may be eligible for. Even then, Hippo claims it can secure your policy in less than four minutes.
How much does Hippo Homeowners Insurance cost?
For the most accurate quote from Hippo, you’ll need to get a quote directly from the company. However, factors that can affect your premium cost include:
- Your ZIP code
- Your risk of natural disasters
- Your dwelling type
- The age of your home
- Your credit history
- Your claims history
While the actual cost of insurance is not listed on the Hippo website, it does describe each of its discounts in depth. Discounts offered by Hippo include:
- Smart home discount: Starts after you activate the Smart Home device provided to you by Hippo.
- Loss-free discount: If you have no losses over the three or five-year loss experience period, you’re eligible.
- Home buyer discount: For the customers who bought a new policy for a home they purchased within the past year.
- Theft protection devices: Customers who have eligible alarm systems or property monitoring in their community.
- Affinity discount: For customers who purchase Hippo insurance through an eligible partner.
- Hail-resistant roof discount: If you have a qualifying hail-resistant roof.
- HOA discount: For customers living in a qualifying community.
- Companion policy discount: When you bundle your policy with another Hippo-Distributed auto policy.
What does Hippo Homeowners Insurance cover?
Hippo only provides homeowners insurance under its services; any outside companion policies go through its partner network. You can expect the basics as well as some additional options, including:
- HO-3 (homeowners insurance)
- HO-6 (condo insurance)
- DP-3 coverage (landlord insurance)
- Personal property
- Other structures
- Home office
- Rental properties
- Vacation homes
Hippo does not currently offer:
- Short-term rental insurance (Airbnb or Vrbo, for example.)
- Properties held in a trust
- Full coverage for storage facilities (10% limit)
- Heating spill
- Flood damage
- Earthquake damage
- Wind damage
Hippo Homeowners Insurance FAQ
How quickly does Hippo Homeowners Insurance pay claims?
The Hippo claims department operates 24/7 but the payment of the claim depends on the nature of the damage and timeline for inspection and processing.
Where is Hippo Homeowners Insurance available?
Hippo Homeowners Insurance is currently available in 37 states. It is not licensed to sell insurance in the following states:
- Hawaii
- Idaho
- Iowa
- Louisiana
- Montana
- North Dakota
- Oklahoma
- South Dakota
- Alaska
- Wyoming
Is Hippo Homeowners Insurance legit?
Yes, Hippo is licensed to sell insurance in 37 states and has an excellent rating from AM Best, a global credit agency.
Still have questions?
Hippo Homeowners Insurance Reviews
Filter by Rating
- (4)
Popular Mentions
Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
A link has directed you to this review. Its location on this page may change next time you visit.
Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
Reviewed Oct. 2, 2026
Horrible insurance company. Stay away. Cheap is not always best. Got a great home insurance quote, so decided to start with them by the end of October. Got my quote by mid-September. As soon as I submitted it, I was charged. It wasn't a problem if it would have shown in the payment history- but it did not. Tried to contact Hippo + but couldn't reach anyone; had to contact Hippo directly, and they couldn't reach them either. Finally, I was able to contact someone, I requested a full refund and cancelation, I received the refund but to my surprise, the policy was not canceled. A week after had to call again to notify them to cancel a second refund. Requested the cancelation and was given the runaround.
This company charged me immediately even though the policy was not going to be active until the end of October, the payment did not show in my payment history, was given the runaround, could not get ahold of anyone, finally was able to talk to someone and was required to sign a cancelation document to make it official. A policy that was not going to start until the end of October. Stay away, unless you are ok dealing with an unreachable company that constantly plays with your bank account.
Reviewed Sept. 3, 2026
Truly deceiving. It announced the communications as ''purchasing insurance with Hippo'', I did not purchase any ins from Hippo, I was referred ins with Hippo, unfortunately. Statements such as these are truly confusing. Truly did not realize it was a broker I was interacting with til much later
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed July 20, 2026
Very poor customer service. Did a CFP (California Fair Plan) policy with them and they cannot seem to find it now. Totally inept incompetent.
Reviewed Dec. 15, 2025
Very happy with Drew but not happy with the charges. I wasn't informed it would cost more than 5.00, but there was a 38.00 charge on my checking. Sucks big time. Because it is Christmas time and can't afford it.
Hippo Homeowners Insurance Company Information
- Company Name:
- Hippo Homeowners Insurance
- State/Province:
- CA
- Country:
- United States
- Website:
- www.hippo.com