Hippo Home Insurance FAQs

What does Hippo home insurance cover?

Hippo home insurance typically covers your home’s structure, other structures on your property (like garages or sheds), personal possessions inside your home, and liability for injuries that occur on your property. Hippo also includes enhanced protection for appliances, water backup, and service lines.

What types of policies does Hippo offer?

Hippo provides homeowners insurance (HO3), condo insurance, landlord insurance, and insurance for homes under construction. They also offer add-ons for flood, earthquake, and wind coverage through partners.

What makes Hippo different from other insurers?

Hippo stands out by including smart home sensors with every policy to help prevent damage and claims. They offer enhanced coverage for home office equipment, appliances, and service lines, and provide a fast, tech-driven online quoting and claims process.

How do I get a Hippo insurance quote?

Visit Hippo’s website or use an online comparison tool like the one from Blake Insurance Group. Enter your property address and answer a few questions to receive a personalized, no-obligation quote in minutes.

How does Hippo handle claims?

Hippo assigns a claims concierge to guide you through the process, from filing the claim to scheduling inspections and coordinating repairs. Most claims are responded to the same or next day, and payouts are issued as quickly as possible.

Can I switch to Hippo from another insurer?

Yes, you can switch at any time. Hippo can help you with the paperwork and may assist in securing a refund for the unused portion of your previous policy.

Does Hippo offer discounts?

Yes. Discounts are available for having smart home devices, being claims-free for several years, being part of an HOA or affinity group, installing a hail-resistant roof, buying a new home, and bundling policies.

Is Hippo available in my state?

Hippo operates in many states across the U.S., but availability varies. Check their website or contact an agent to confirm if they serve your area.

Does Hippo insure secondary or vacation homes?

Yes, Hippo offers coverage for secondary and vacation homes if you have a primary residence policy with them.

Does Hippo offer landlord insurance?

Yes, Hippo provides landlord insurance for up to ten investment properties in many states where they offer homeowners policies.

Does Hippo offer flood, earthquake, or wind coverage?

Yes, through partners like Neptune Flood, Palomar, and Velocity, Hippo offers separate policies for these risks, which can be added to your portfolio and managed through your account.

How are premiums calculated?

Premiums depend on factors such as the cost to rebuild your home, materials used, location, your claims history, home features, and available discounts.

How do smart home devices affect my policy?

Hippo provides smart home sensors to help you monitor risks and prevent claims. Keeping these devices activated can earn you a discount on your premium.

How do I file a claim with Hippo?

Call Hippo’s claims concierge line or file online. A dedicated advocate will help manage your claim, coordinate with adjusters, and assist with repairs and temporary housing if needed.

Is Hippo financially stable?

Hippo has an A- (Excellent) rating from AM Best, reflecting strong financial stability and claims-paying ability.