Hippo Home Insurance Review

Rating: 9.6 / 10 (Excellent)
7 Customer Comments & Reviews - see all comments
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Hippo is a start-up insurance company that does business in California and Arizona. The company transacts all of its customer business online or over the phone, and is noted for its plain language policies. The firm is funded by various venture capital concerns and is reinsured by Swiss Re and TOPA.

How is Hippo rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 9.6 / 10 (Excellent)

Hippo is a new, fast-growing homeowners insurance company. Though the company itself is new, it is reinsured by large, financially-solid underwriters such as TOPA and Swiss Re. Hippo focuses on the customer experience and attempts to dispense with insurance jargon to make buying and understanding a homeowners insurance policy easier.

Financial Strength

Financial Strength - 10 / 10

Hippo itself is funded by a group of venture capital firms. Its insurance policies are backed by Swiss Re, the world's second largest reinsurer, as well as by TOPA, a California insurer which has been in business since 1981. From a consumer's point of view, putting money into a Hippo policy is a safe bet.
Swiss Re
*The above information reflects the financial strength of the underwriter of the Hippo home insurance policies: Swiss Re.

Customer Experience

Customer Experience - 9 / 10

Hippo is not listed with the BBB and has zero presence on TrustPilot. The company does not publish their phone number or address; the internet is the sole means of contacting the firm. Their website, however, enables prospective customers to obtain a quote by simply filling in the answers to a few plain-language questions.

Hippo Coverage

Coverage - 9.5 / 10

Structures, personal property, and liability are all covered by Hippo's homeowners policies. The company extends coverage to include the modern electronics now a permanent staple in many homes, as well as home offices and their equipment. Hippo also provides its customers with certain home safety equipment.
Basic Coverage Types
Dwelling Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Water Backup Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 10 / 10

Hippo claims that its policies are cheaper than comparable policies from other, larger insurance companies. It also suggests that by eliminating middleman agents, the company is able to charge less for its policies. Data to back up these claims, however, is hard to come by.

Household Discounts

  • Home Safety Features

Contact & Additional Information

Homepage URL
Company Phone
(800) 886-0318
Headquarters Address
191 Castro St, Mountain View, CA, 94041
Year Founded

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7 Customer Comments & Reviews

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Dallas, Texas
I thought this was going to be a good company to work with, their online quote system seemed cool. However, after I got my mortgage company the contact and quote information from Hippo, they decided to increase the price of the premium by almost $400 at the last minute, even though not only did I kept in touch over email, I also had a conversation with a representative that went over the coverage and price before. Good thing I had a few days to find another company to work with us. Good for the people that this workout for but from my end I definitely will NOT recommend them.

Yucca Valley, California
I got better coverage for a huge savings compared to my current policies.. over $400 savings for my house and rental condo. The quote was super quick and the rep I spoke with was incredible. Without my saying a word, even he talked about different Hippo is regarding customer service and it truly shows. I am very very happy.

Casey E
Houston, Texas
Wow, I was getting frustrated with all of the big name insurance companies and even a few of my local smaller companies. Every single company was either double the price or if they were able to come close to Hippo, their coverage amounts were not as much and had higher deductibles. I went ahead and signed up on the Hippo site and selected Escrow as my lender will be sending the funds. I am just crossing my fingers that this premium quote does not change for any reason like a bait and switch. We shall see. So far so good and thanks Hippo!

Tom S
Newport Beach, California
I have been insured with HIPPO since November. They cost about 1/3 of my old insurance but so far so good. I called left a message and was called back quickly. So far I am very happy especially with the rates...

Abbas T
San Clemente, California
The technology and ease of use is light years ahead of the competition. Truly admirable and give them an A+ for that. I just feel like they're very deceptive in communicating who your home is actually insured with. For most people homes are their most valuable assets and it's important to make sure it's insured with a company your at least familiar with. Hippo is the agent, broker, or sales person in this case. They don't pay or handle claims. What good will all the technology in the world do if your insured with a no name carrier with no claims support? You really have to dig dig dig dig to find out who the actual insurance company is and for that reason I give them a 1 star.... Read More

San Francisco, California
I've worked with Hippo Insurance. I am not a homeowner, but I would for sure want to become their customer when I become one. The team is dedicated and friendly and it's obvious that they truly care about giving their customers grade A service.

Erica B
Palo Alto, California
I just signed a new policy with them about two months ago as I just bought a new home. I have to say they were quite a bit cheaper than the bigger companies and I felt like the coverage was aimed more towards what I was looking to have covered. I have not made a claim on anything yet, but I did call to add more coverage and they were easy to get ahold of and had good customer service.

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!