INSURANCE CARRIER

Hippo Insurance Review

Hippo takes a prevention-first approach to homeowners insurance. An honest look at their approach, ratings, and who benefits most from their model.

Free Coverage Review

RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A Exceptional

JD Power Personal

Newer digital-first carrier, not included in the 2025 primary customer satisfaction studies.

JD Power Commercial

NAIC Complaint Index

Tracks near the industry average.

Hippo is a technology-focused homeowners carrier backed by Munich Re and rated A Exceptional. They write homeowners, condo, and landlord coverage with an emphasis on newer homes and preventative risk management. Hippo offers free smart home monitoring sensors to policyholders and is available exclusively through independent agents in Georgia.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Free smart home monitoring devices included with policies, helping catch water leaks, fires, and break-ins before they become large claims.

Strength 2

Modern digital platform for policy management, claims filing, and communication.

Strength 3

Coverage is built for newer homes and includes items often excluded by traditional carriers, like home office equipment.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

NAIC complaint index is near the national average, which is higher than other carriers we work with.

Weakness 2

Primarily digital service model is not suited to clients who want a traditional phone and agent relationship.

Weakness 3

Best Fit For

Homeowners who want smart home technology integration, tech-forward clients who want digital-first claims and policy management experience.

Not A Good Fit For

Owners of homes built before 2000, properties with older roofs, or anyone with claims history. Hippo's technology-focused underwriting rewards modern, well-maintained properties and penalizes older ones.

APPETITE & COVERAGE

What They Write

Coverage Types

Homeowners, Home Warranty

Best Pricing For

Hippo prices well for newer construction built after 2000, updated systems, smart home technology, and clean claims history. Pricing advantage diminishes sharply on older homes or properties with aging roofs.

Industry Classes

Admitted Status

CLAIMS & PRICING

What to Expect

Claims Experience

Hippo's NAIC complaint index of 0.89 is near the national average. For a newer carrier with a digital-first model, this is an acceptable baseline. Their prevention-first approach means fewer claims in the first place for clients who engage with the smart home monitoring. When claims do occur, Hippo's digital claims process is fast and transparent for standard losses. Where they have less experience is on large structural losses and unusual claims, where their newer claims organization has less institutional knowledge than carriers with decades of complex claims history.

Pricing Context

Hippo prices competitively for newer homes, particularly those with smart home features already installed. The free device program lowers the effective cost for new policyholders. For older homes or those that do not qualify for smart home integration, Hippo pricing may not be competitive against established carriers. The digital-only service model also means no local agent, which some clients factor into their value assessment.

vs Competitors

Against Openly: both are newer, tech-forward homeowners carriers. Openly focuses on coverage breadth and works through independent agents. Hippo focuses on smart home prevention and sells more directly. Against Travelers for homeowners: Travelers has deeper claims experience and broader underwriting appetite. Against Nationwide: similar distinction. Hippo wins with clients who actively want the smart home monitoring value and are comfortable with a digital-first relationship. For clients who want traditional claims advocacy, established carriers are the stronger choice.

STATE AVAILABILITY

Where They Write

States Available

Available in select states including Georgia

Personal Lines States