Hippo Insurance Review
- With 1.0/5 stars in 2026, Hippo is a poor insurance company.
- Read Hippo reviews, complaints and prices before you buy.
Hippo insurance: Ratings and reviews
Founded in 2015, Hippo's philosophy on home insurance is to be proactive through smart home technology and regular maintenance while offering plenty of coverage options to protect one of your biggest investments. While they do not offer other common insurance products (like auto coverage) they put all their dedication and effort into homeowners insurance. The company works with outside insurance partners to offer higher-than-usual limits for things like home office equipment, computers and electronics, and service line connections to your home. If you're looking for a one-stop-shop to bundle various policy types, Hippo likely won't meet your needs, but if a modern approach to home insurance is your only focus then it may be worth getting a quote.
Fast online quotes
Offers smart home technology systems
Higher home coverage limits
Does not offer other insurance products
Not available in all states
Is Hippo a good insurance company?
The majority of The Zebra's review incorporates how well Hippo scores in terms of customer service. In order to determine that we looked at the following third-party ratings.Â
Trustpilot: 3.2/5
- Hippo earned a rating of 3.2/5 from Trustpilot's users[1]
Better Business Bureau: 2.66/5
Financial Strength: A-
- Although Hippo does not have its own independent score, its reinsurers and insurance partners were given an A- rating by A.M. Best, indicating a strong financial ability to pay out claims[3]
Complaint Index (NAIC): Not rated
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which home insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Hippo for it to be included.
How much does Hippo insurance cost?
As Hippo is a relatively new insurance company, pricing data is not widely available, which is a key component of our review process. Although Hippo's average figures aren't readily available, you can begin to gauge where your home might fall (cheaper vs. more expensive) based on commonly analyzed factors.
You can also learn more about how homeowners insurance rates are calculated and see current average prices here. Typically, the factors that will go into determining homeowners insurance rates are:
- Location (ZIP code)
- The home's age
- The home's condition
- Age of the roof
- Cost to rebuild
- Your deductible amount
- Previous homeowners' claims
- Credit score (in some locations)
- Additional risk factors (such as certain animals or a pool)
Rates will vary from person to person and place to place, but Hippo makes it easy to get a personalized quote for you to compare with those of other cheap home insurance companies.Â
Discounts offered
Auto insurance discounts are dependent on certain qualifications and availability, so it's important to ask the company for specific details to be sure you are eligible. Below are some of the ways Hippo offers savings.
- Smart home discount - By taking advantage of the smart home sensors that Hippo offers, you can potentially save between 10% with a home monitoring system or 13% with a professional monitoring system
- Loss-free discount -Â Customers are eligible if they haven't had a claim in 3 or 5 years, depending on the experience period
- Affinity discounts - If you purchase a policy through certain groups, like colleges, employers, or clubs, you may be eligible for a discount
- Hail-resistant roof discount - Added savings if you have impact-resistant shingles that qualify (check with Hippo for qualification details)
View all of Hippo's discounts here.Â
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What types of coverage does Hippo offer?
Another key component of Hippo's review is the types of coverage options they offer, and because they are solely focused on homeowners insurance, this does bring their overall score down a bit compared to larger companies. Currently, Hippo offers homeowners, condo insurance, landlord policies, as well as new home (under construction) insurance. Some of the more unique coverages and features Hippo offers are:
- Smart home equipment
- Hippo Home Care
- Appliances
- Service lines
- Video alarm system
- Home office/computer equipment
Find more details about Hippo's coverage and endorsement options here.
Hippo insurance review: Summary
Hippo doesn't offer the number of options that most large insurers do, so if you're looking for a new home for multiple policy types, this may not be the best option. However, if you have unique needs for your home, prefer to keep certain insurance types separate, or are a fan of smart home technology then it might be a good match. Their overall rating score is low due to a lack of policy options, but their Better Business Bureau and Trustpilot ratings show that there is a slightly lower-than-average level of satisfaction from their customers and Hippo has well-established partners with strong financial standings.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Hippo insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.