Founded in 2015, Hippo hit the ground running to modernize the way consumers shop for and purchase homeowners insurance. Like Lemonade, Hippo forgoes the traditional use of insurance agents and agencies in favor of a sleek and seamless online experience. Unlike Lemonade, Hippo has not yet transitioned to an online claims process, requiring policyholders to call to file insurance claims.
Hippo has some robust coverage options — even with a base policy — with more modern perks, in the form of additional coverage for home electronics and extended replacement cost coverage included with every policy. Hippo home coverage is currently available in Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah and Wisconsin. Policies are underwritten by insurance partners Topa and Spinnaker.
Continue reading to explore coverage options and discounts in our Hippo homeowners insurance review.