Hippo Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Hippo Insurance Score
2.75 Stars
We award Hippo Insurance an overall rating of 2.75 out of 5 stars. The insurance company is one of the younger carriers on the market today and is not rated by AM Best for financial strength. Though the carrier is accredited by the Better Business Bureau (BBB), its rating of "B-" is lower than many modern insurers'. Coverage is currently available in 37 states.
Founded in 2015, Hippo Insurance offers homeowners insurance, landlord insurance, wind insurance, condo insurance, earthquake insurance, and flood insurance. The insurance company's original mission was to provide homeowners with better insurance products than those that were previously available. The carrier is headquartered in Palo Alto, CA.
Most customer feedback about Hippo Insurance is positive. While some complaints have been filed against the carrier through the BBB, the vast majority of customers seem satisfied with their coverage and customer service experiences. The carrier offers 24/7 claims reporting and fast online quotes. Overall, we recommend you and your independent insurance agent survey some additional options for coverage along with Hippo Insurance.
Hippo Insurance Pros and Cons:
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Hippo Insurance Products by Type
Hippo offers a few types of coverage, most of which relate to the home. The carrier's insurance products include:
Home & Property Insurance:
- Flood insurance
- Wind damage insurance
- Landlord insurance
Hippo Insurance HO3 (Homeowners) Insurance
Hippo Insurance offers HO3 policies because they provide a broader spectrum of coverage for your home than other types of home insurance carriers do. The list of perils covered by HO3 policies far exceeds those of HO2s. Hippo's HO3 policies provide coverage for all aspects of the home.
Other coverage features and benefits:
Dwelling coverage
Hippo's HO3 dwelling coverage provides protection for your home's structure as well as additional/detached structures like sheds and garages against many perils like fire, vandalism, etc.
Contents/personal property coverage
Hippo's HO3 contents coverage provides protection for personal property like electronics, clothing, and more against perils like theft, fire, and more. You may need to purchase additional coverage for particularly valuable items like jewelry.
Liability coverage
Hippo's HO3 personal liability coverage covers medical expenses, lost wages, legal fees, and death benefits if an incident involving a third party on your property results in bodily injury or personal property damage.
Hippo Insurance Wind Insurance
Hippo Insurance offers wind insurance coverage for your home in several categories. This type of coverage is intended solely to provide reimbursement for wind damage. Policies are ideal for customers who have to purchase additional wind coverage for their homes if their property is older or considered higher risk.
Other coverage features and benefits:
Dwelling and other structures coverage
Hippo's dwelling and other structures wind coverage can reimburse for repairs to your home's structure as well as additional structures like sheds, fences, and garages if they get damaged by wind.
Personal property/contents coverage
Hippo's personal property wind coverage can reimburse for the repair or replacement of personal property like clothing, furniture, and technology if it gets damaged or destroyed by wind.
Additional living expenses coverage
Hippo's additional living expenses wind coverage can reimburse for extra costs if you must live somewhere else while your home is being repaired for wind damage. Coverage can pay for things like hotel visits, takeout meals, etc.
What Discounts Does Hippo Offer?
Hippo advertises the following discounts on its homeowners insurance policies.
- HOA discount: Offered to customers who are part of an HOA.
- Smart home discount: Offered to customers who have smart home devices installed in their properties.
- Loss-free discount: Offered to customers who have remained claims-free for at least three to five years, depending on the policy's terms.
- Affinity discount: Offered to customers who are affiliated with various businesses, colleges, clubs, etc.
- Hail-resistant roof discount: Offered to customers who have qualifying impact-resistant roofs.
- Home buyer discount: Offered to customers who have purchased their homes within the last 12 months.
- Bundling discount: Offered to customers who purchase more than one policy through Hippo.
An independent insurance agent can provide better discount information and premium quotes for coverage through Hippo Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Hippo Insurance Customer Service
Here's a breakdown of Hippo's customer service options and availability:
- Phone
- 24/7 claims reporting via phone
The customer service department has the following hours:
| Day | Hours (CST) | ||
| Monday-Friday | 7 a.m. - 8 p.m. | ||
| Saturday | 7 a.m. - 6 p.m. | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Hippo Insurance FAQs
Hippo states that most claims are responded to either the same day or the following day.
Hippo is available at extended hours by phone during the week and on Saturdays and also allows customers to contact them by email.
Hippo outlines its claims process as follows:
- Concierge assignment: Hippo assigns a claims concierge to assist you in filing your claim and gather further details about your loss.
- Official documentation: Hippo creates a "Fire Notice of Loss Acknowledgment" to officially report the start of your claims process.
- Adjuster assignment: Hippo's claims concierge assigns an adjuster to further assist you with your claim.
- Inspection scheduled: Hippo schedules an insurance adjuster visit to your home to review your loss and make an assessment.
- Follow-up: Hippo will follow up for any additional information needed.
- Review: Hippo reviews the adjuster's assessment and all other claim documents and advises the customer on the next steps.
- Approval or denial issued: Hippo notifies the customer of the official decision regarding whether their claim has been approved or denied.
- Payout issued: Hippo then awards a claims payout to the customer ASAP.
Hippo's website is easy to navigate, but not all pages are well-fleshed-out to provide all the coverage details customers may be searching for. The carrier has fewer contact options for customers than most modern insurers do.
Its social media presence extends across Facebook, LinkedIn, and X. A major perk is that the insurance company offers 24/7 claims reporting by phone. Overall, Hippo creates a fairly user-friendly experience.
Hippo is one of the younger carriers on the market today and is not rated by AM Best. The carrier's BBB rating of "B-" is relatively low. Most customer feedback seems to be positive, though, so it can be argued that Hippo Insurance is a good carrier.
Hippo's home insurance products are right for customers who want the assurance that their property will be covered against the most perils possible. The carrier's wind insurance is a great match for customers who require extra coverage due to owning an older home or one considered at high risk by their main home insurance carrier. Coverage is only available in select states.
Ask your independent insurance agent for specific quotes for homeowners insurance sold by Hippo Insurance. You can also use their convenient 60-second quote tool on the official website. Home insurance rates vary based on your location and other factors.
https://www.hippo.com/
https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/hippo-insurance-services-1216-901822/customer-reviews