{"id":353043,"date":"2025-11-07T18:32:43","date_gmt":"2025-11-07T23:32:43","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=353043"},"modified":"2025-11-07T18:32:43","modified_gmt":"2025-11-07T23:32:43","slug":"hippo-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/hippo-review\/","title":{"rendered":"Hippo Home Insurance Review"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Reviews.com scored Hippo home insurance company a 4.3 out of 5 based on our rubric (coverage, customer experience, and financial stability).<\/li><li>Hippo policies are commonly underwritten by Spinnaker Insurance Company and Hippo Property &amp; Casualty Insurance Company, each carrying an A- (Excellent) Financial Strength Rating from <a href=\"https:\/\/www.ambest.com\/ratings\">AM Best<\/a> (verify the current rating and action date before purchase).<\/li><li>Hippo emphasizes prevention-first homeowners insurance, including smart-home device offers and discounts through its <a href=\"https:\/\/www.hippo.com\/hippo-smart\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Hippo Smart<\/a> program, aligning with 2025 industry trends toward IoT-enabled, proactive risk mitigation (<a href=\"https:\/\/www2.deloitte.com\">Deloitte Insights<\/a>).<\/li><\/ul>\n\n\n\n<p>Founded in 2015, fintech startup Hippo started selling <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/buyers-guide\/\">home insurance policies<\/a> in 2017. Hippo Insurance Services distributes homeowners, condo, and landlord policies through rated underwriting partners (frequently Spinnaker Insurance Company and, in some states, Hippo Property &amp; Casualty Insurance Company). Availability varies by state and underwriting carrier; confirm eligibility on Hippo\u2019s <a href=\"https:\/\/www.hippo.com\/licenses\">Licenses &amp; Disclosures<\/a> page. Hippo\u2019s model is digital-first\u2014fast online quotes, digital claims intake, and prevention tools highlighted on its <a href=\"https:\/\/www.hippo.com\/homeowners-insurance\">homeowners insurance<\/a> page.<\/p>\n\n\n\n<p>Hippo\u2019s homeowners package prioritizes modern risks and proactive protection. Standard and optional endorsements may include home office equipment, equipment breakdown, water backup, and service line coverage, with smart-home monitoring and maintenance support designed to reduce loss frequency. Hippo Home Care connects customers with experts for maintenance and repair guidance. This prevention-forward approach reflects 2025 industry shifts: carriers are subsidizing water leak\/freeze sensors and other IoT devices to curb non-weather water losses\u2014one of the costliest, persistent perils in homeowners insurance (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Risk Solutions Home Trends Report<\/a>; <a href=\"https:\/\/www2.deloitte.com\">Deloitte<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Hippo Home Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_609c121cf5278\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Hippo Home Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4.3<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                A.M. Best\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A- (Spinnaker; Hippo P&amp;C)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Not ranked (latest study)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                State Served\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Varies by state<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>During recent wildfire and severe-weather seasons, Hippo has emphasized pre-event outreach and mitigation guidance for policyholders, aiming to reduce losses and accelerate recovery. The company\u2019s engagement approach\u2014proactive alerts, digital FNOL, and repair coordination\u2014aligns with broader market trends toward prevention, managed repair networks, and faster claims experiences (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">J.D. Power 2025 U.S. Property Claims Satisfaction Study<\/a>; <a href=\"https:\/\/www2.deloitte.com\">Deloitte claims transformation<\/a>). Earlier, Hippo drew attention for direct CEO outreach during California wildfires, including sharing a <a href=\"https:\/\/fortune.com\/2019\/09\/13\/hippo-insurance-ceo-phone-number\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">personal phone number<\/a> with customers, and for building the \u201caway mode\u201d Alexa skill to deter burglaries (<a href=\"https:\/\/www.usatoday.com\/story\/tech\/talkingtech\/2018\/08\/03\/new-alexa-skill-could-scare-off-potential-burglars\/899544002\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">USA Today<\/a>). Customers can also access <a href=\"https:\/\/www.hippohomecare.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Care Experts<\/a> for maintenance questions.<\/p>\n\n\n\n<p>Partnered with device providers, Hippo offers eligible homeowners <a href=\"https:\/\/www.hippo.com\/hippo-smart\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">free smart home monitoring systems<\/a> in some states, with potential premium credits for verified installation\/monitoring. Prevention-first adoption is growing across home insurance as carriers target water leaks, freeze, and electrical hazards with sensors and monitoring; programs are increasingly moving from optional discounts to eligibility- and verification-based incentives (<a href=\"https:\/\/www2.deloitte.com\">Deloitte 2025 outlook<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Home Trends<\/a>). Privacy and device security standards are also evolving via the <a href=\"https:\/\/www.fcc.gov\">U.S. Cyber Trust Mark<\/a> and new state consumer privacy laws tracked by <a href=\"https:\/\/iapp.org\/resources\/article\/us-state-privacy-legislation-tracker\/\">IAPP<\/a>.<\/p>\n\n\n\n<section id=\"block_609c1289f527e\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Quote in 60 seconds<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">A Hippo <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\">home insurance quote<\/a> takes about a minute online; Hippo leverages property data and automation to prefill details and speed up pricing and eligibility.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Modernized home insurance coverages are available<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Standard and optional protections emphasize today\u2019s risks (e.g., home office equipment, equipment breakdown, water backup, service lines) with prevention support via <a href=\"https:\/\/www.hippo.com\/homeowners-insurance\">Hippo homeowners<\/a> resources.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Proactive smart-home focus<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Eligible customers may receive devices and credits through <a href=\"https:\/\/www.hippo.com\/hippo-smart\">Hippo Smart<\/a>; prevention-first programs align with 2025 IoT and loss-avoidance trends (see <a href=\"https:\/\/risk.lexisnexis.com\/insights-resources\/research\/insurance\/home-trends-report\">LexisNexis Home Trends<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Digital claims and service<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Hippo supports digital first notice of loss and status updates, with concierge guidance and managed repair partners where available (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">J.D. Power claims study<\/a> for what drives faster satisfaction industrywide).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not ranked by J.D. Power (latest study)<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Hippo does not appear in the most recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>; use NAIC complaint indices, BBB, and Trustpilot for current satisfaction indicators.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Discounts vary by state and underwriter<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Eligibility and amounts differ by location and carrier filings; confirm applicable savings at quote (see <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/hippo\/\">Policygenius<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/hippo-home-insurance-review\/\">Forbes Advisor<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No in-person agents<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Service is digital-first or by phone; those preferring local agents may prefer agent-centric carriers (e.g., Mercury, Chubb).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Hippo Home Insurance Highlights\"><\/span>\n    \n\n                \n<section id=\"block_609c131df5288\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Hippo Home Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Discounts <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims Process <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Hippo offers home insurance for condo owners, homeowners, landlords, and homes under construction. Core homeowners protections include:<\/p>\n<ul>\n<li>Dwelling<\/li>\n<li>Belongings (personal property)<\/li>\n<li>Liability<\/li>\n<li>Loss of use<\/li>\n<li>Medical payments to others<\/li>\n<\/ul>\n<p>To tailor coverage, optional endorsements may be available depending on your state and underwriting carrier (confirm on your quote and declarations page):<\/p>\n<ul>\n<li>Additional structures<\/li>\n<li>Earthquake coverage (state dependent)<\/li>\n<li>Equipment breakdown<\/li>\n<li>Home-based business<\/li>\n<li>Increased limits for high-value items<\/li>\n<li>Mortgage payment protection<\/li>\n<li>Ordinance or law<\/li>\n<li>Service line protection<\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">Sewer backup<\/a><\/li>\n<li>Watercraft endorsement<\/li>\n<li>Household workers<\/li>\n<li>Smart home upgrades (and device-verification credits via <a href=\"https:\/\/www.hippo.com\/hippo-smart\">Hippo Smart<\/a>)<\/li>\n<li>Computer coverage<\/li>\n<\/ul>\n<p>Coverage options and limits vary by state and underwriting company; see <a href=\"https:\/\/www.hippo.com\/homeowners-insurance\">Hippo homeowners insurance<\/a> and your policy disclosures for specifics.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Hippo advertises several ways to save, though eligibility and amounts differ by state and underwriting carrier. Commonly available discounts noted by independent reviewers include:<\/p>\n<ul>\n<li>Smart home (connected devices) discount<\/li>\n<li>Protective device &amp; security system discounts (e.g., monitored burglar\/fire alarms, water shutoff)<\/li>\n<li>Claim-free (loss-free) discount<\/li>\n<li>Advance quote\/early shopper discount<\/li>\n<li>New home\/recent purchase or updated systems\/roof discounts<\/li>\n<li>HOA or gated community discount<\/li>\n<li>Pay-in-full and, in some states, paperless\/autopay savings<\/li>\n<li>Companion\/multi-policy savings may be available with select partners<\/li>\n<\/ul>\n<p>Verify state-specific availability on your quote. Sources: <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/hippo-home-insurance-review\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.hippo.com\">Hippo Help Center<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Hippo is not included in the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>. To gauge current sentiment, use regulator and public review sources:<\/p>\n<p>&#8211; NAIC complaint index: For Hippo\u2019s primary underwriter, see Spinnaker Insurance Company\u2019s homeowners complaint index on NAIC\u2019s CIS (<a href=\"https:\/\/eapps.naic.org\">Spinnaker profile<\/a>). An index of 1.00 represents the industry average; values above\/below indicate more\/fewer complaints than expected for size (<a href=\"https:\/\/content.naic.org\">NAIC methodology<\/a>).<br \/>\n&#8211; BBB: Check Hippo Insurance Services\u2019 current BBB rating, customer reviews, and complaints closed over 12\/36 months (<a href=\"https:\/\/www.bbb.org\">BBB profile<\/a>).<br \/>\n&#8211; Trustpilot: See recent consumer reviews and the current star rating (<a href=\"https:\/\/www.trustpilot.com\/review\/hippo.com\">Trustpilot<\/a>).<\/p>\n<p>Figures on these pages update frequently; note your access date when comparing.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims Process\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Hippo supports digital first notice of loss (FNOL) via web\/app, phone support, and concierge guidance. While Hippo does not publish an average days-to-settlement metric, the process typically follows:<\/p>\n<ol>\n<li>Report the claim online via your account or by phone (digital FNOL preferred)<\/li>\n<li>Assignment of an adjuster and initial triage<\/li>\n<li>Inspection (virtual or in-person) and documentation upload<\/li>\n<li>Status updates and next steps via digital messaging\/calls<\/li>\n<li>Coverage review and estimate<\/li>\n<li>Approval\/payment or request for additional info<\/li>\n<li>Repair coordination through managed vendors where available<\/li>\n<\/ol>\n<p>Industry research shows faster property-claim experiences correlate with proactive communication, digital updates, and managed repair (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">J.D. Power 2025 Property Claims Study<\/a>; <a href=\"https:\/\/www2.deloitte.com\">Deloitte claims insights<\/a>).<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition \" title=\"Hippo Home Insurance vs. The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Hippo Home Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Provider<\/td><td>Reviews.com Score<\/td><td>J.D. Power Customer Satisfaction*<\/td><td>AM Best<\/td><td>Available Discounts<\/td><\/tr><tr><td>Hippo<\/td><td>4.3<\/td><td>Not ranked (latest)<\/td><td>A- (Spinnaker\/Hippo P&amp;C)<\/td><td>Smart home devices<br>Protective devices\/security<br>Claim-free<br>Advance quote<br>New home\/updated systems\/roof<\/td><\/tr><tr><td>Lemonade<\/td><td>2.25<\/td><td>Not ranked (latest)<\/td><td>N\/A<\/td><td>Multi-policy discount<br>Protective devices<br>Pay in full<\/td><\/tr><tr><td>Mercury Insurance<\/td><td>2.75<\/td><td>Ranked (2024 study)<\/td><td>A<\/td><td>Gated community<br>New home<br>Fire-resistant construction<br>Protective devices<br>Multi-policy&nbsp;<\/td><\/tr><tr><td>Chubb<\/td><td>3.5<\/td><td>Ranked (2024 study)<\/td><td>A++<\/td><td>Burglar\/fire alarm<br>Renovated home<br>Residential sprinkler system<br>Suburban rating<br>Masonry construction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025; availability, discounts, and ratings may change. Verify J.D. Power inclusion in the latest study and confirm carrier financial strength at <a href=\"https:\/\/www.ambest.com\/ratings\">AM Best<\/a>.<\/em><\/p>\n\n\n\n<p><em>*See the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> for carriers included and methodology (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hippo vs. Lemonade<\/h3>\n\n\n\n<p>Both brands offer end-to-end digital experiences with fast quotes and streamlined servicing. Hippo leans into proactive risk mitigation with device offers and smart-home credits via <a href=\"https:\/\/www.hippo.com\/hippo-smart\">Hippo Smart<\/a>, while <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/lemonade-review\/\" class=\"achor-toggles\">Lemonade<\/a> emphasizes an all-in-one app experience and multi-product ecosystem. For claims, Hippo supports digital FNOL and concierge support; Lemonade highlights automation for simpler losses and has publicized instant-pay capabilities in investor materials (<a href=\"https:\/\/investor.lemonade.com\/\">Lemonade IR<\/a>). Neither Hippo nor Lemonade is currently ranked in J.D. Power\u2019s latest homeowners study; compare NAIC complaint indices for underwriting entities when assessing service quality.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hippo vs. Mercury Insurance<\/h3>\n\n\n\n<p>Mercury sells through agents and promotes a robust menu of homeowners discounts and bundling with Mercury auto (<a href=\"https:\/\/www.mercuryinsurance.com\">Mercury discounts<\/a>). Hippo is digital-first and prevention-centric, with smart-home device credits and maintenance support. J.D. Power includes Mercury in its homeowners rankings, whereas Hippo is not ranked; use NAIC complaint indices and BBB\/Trustpilot for additional context. Optional endorsements like service line and equipment breakdown may be available from either brand depending on state and eligibility\u2014confirm during quoting.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hippo vs. Chubb<\/h3>\n\n\n\n<p>Chubb focuses on high-value homes with broad \u201cMasterpiece\u201d coverage, risk consulting, and services such as Wildfire Defense Services in eligible areas (<a href=\"https:\/\/www.chubb.com\">Chubb Masterpiece<\/a>). Hippo emphasizes digital purchase, device-enabled prevention, and smart-home discounts for mainstream homeowners. Chubb appears in J.D. Power rankings and is known for high-touch service delivered through agents; Hippo delivers online servicing and proactive monitoring\u2014two different approaches to a quality experience in today\u2019s market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hippo Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_609c1740f528d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is Hippo home insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Hippo Insurance Services offers smart <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\"><span style=\"font-weight: 400;\">home insurance<\/span><\/a><span style=\"font-weight: 400;\"> delivered online with prevention-first features, device-enabled savings, and digital claims support. Policies are issued by licensed insurers (often Spinnaker Insurance Company or Hippo Property &amp; Casualty Insurance Company), with availability varying by state (see <\/span><a href=\"https:\/\/www.hippo.com\/licenses\"><span style=\"font-weight: 400;\">Hippo licenses<\/span><\/a><span style=\"font-weight: 400;\">). <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_609c1749f528e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the rating for Hippo home insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Hippo Insurance Services is an agency brand; financial strength applies to the underwriting insurers on your policy. As of the latest disclosures, Spinnaker Insurance Company and Hippo Property &amp; Casualty Insurance Company carry A- (Excellent) Financial Strength Ratings from <\/span><a href=\"https:\/\/www.ambest.com\/ratings\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">AM Best<\/span><\/a><span style=\"font-weight: 400;\">. Always verify the current rating, outlook, and action date on AM Best and your quote documents. Hippo\u2019s <\/span><a href=\"https:\/\/www.hippo.com\"><span style=\"font-weight: 400;\">SEC filings<\/span><\/a><span style=\"font-weight: 400;\"> also summarize insurer ratings as of the filing date. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_609c174bf528f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Hippo home insurance work?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">You pay a premium to a rated insurer for coverage of your home, belongings, and liability; in return, the insurer shares in the financial risk of covered losses. Hippo\u2019s differentiator is prevention: eligible customers may receive smart-home sensors and engagement tools to help avoid or limit losses, with potential premium credits for verified installation (see <\/span><a href=\"https:\/\/www.hippo.com\/hippo-smart\"><span style=\"font-weight: 400;\">Hippo Smart<\/span><\/a><span style=\"font-weight: 400;\">). This shift toward prevention-first models is a 2025 industry trend (see <\/span><a href=\"https:\/\/www2.deloitte.com\"><span style=\"font-weight: 400;\">Deloitte\u2019s insurance outlook<\/span><\/a><span style=\"font-weight: 400;\">). <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Hippo home insurance based on availability, customer satisfaction indicators, financial stability, and coverage to determine the Reviews.com score and our evaluation. Because some digital-first brands (including Hippo) are not included in the latest J.D. Power homeowners rankings, we pair regulator data and public review sources with financial strength and coverage analysis.<\/p>\n\n\n\n<ul><li>Coverage: We reviewed core and optional endorsements (e.g., equipment breakdown, service line, water backup, smart-home integration) listed on <a href=\"https:\/\/www.hippo.com\/homeowners-insurance\">Hippo\u2019s homeowners page<\/a>.<\/li><li>Customer Experience: We reference the NAIC Consumer Complaint Index methodology (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>) and consult the NAIC CIS for Hippo\u2019s primary underwriter Spinnaker\u2019s homeowners complaint index (<a href=\"https:\/\/eapps.naic.org\">Spinnaker CIS<\/a>), plus current BBB (<a href=\"https:\/\/www.bbb.org\">Hippo BBB<\/a>) and <a href=\"https:\/\/www.trustpilot.com\/review\/hippo.com\">Trustpilot<\/a> ratings.<\/li><li>Customer Satisfaction: For carriers that are ranked, we use the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">latest J.D. Power U.S. Home Insurance Study<\/a> (1,000-point scale). For Hippo (not ranked), we emphasize NAIC\/BBB\/Trustpilot indicators.<\/li><li>Financial Stability: We cite current AM Best Financial Strength Ratings for the specific underwriting insurers (e.g., Spinnaker Insurance Company; Hippo Property &amp; Casualty Insurance Company) using <a href=\"https:\/\/www.ambest.com\/ratings\">AM Best\u2019s Ratings Center<\/a> and corroborate via <a href=\"https:\/\/www.hippo.com\">Hippo\u2019s SEC filings<\/a>.<\/li><li>Discounts: We validated discount categories against recent third-party reviews and Hippo materials (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/hippo-home-insurance-review\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.hippo.com\">Hippo Help Center<\/a>), noting state and underwriter variation.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Reviews.com scored Hippo home insurance company a 4.3 out of 5 based on our rubric (coverage, customer experience, and financial stability). Hippo policies are commonly underwritten by Spinnaker Insurance Company and Hippo Property &amp; Casualty Insurance Company, each carrying an A- (Excellent) Financial Strength Rating from AM Best (verify the current rating and [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361855,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[21174],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hippo Home Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our Hippo home insurance company review covers is available policies, claims process, discounts, and more, while comparing it to similar products.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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