Hippo Insurance
📍 Available in: US
★★★★★ 4.6 / 5.0
Hippo approaches home protection from a preventive standpoint. Every standard policy includes a complimentary smart home monitoring kit (water leak sensors, smoke monitors, motion detectors) that alerts your phone to pipe leaks before they cause $20,000 in water damage. Hippo also includes 4x more electronics coverage by default.
Key Facts at a Glance
| Cost / Fee Structure | From $90/mo ($1,080/yr avg) |
| Coverage / Loan Limit | Dwelling: $100K - $2M |
| Deductible | $1,000 - $5,000 |
| Credit / Eligibility | Fair to Good |
| Terms Available | Annual Policies |
Pros & Cons
✓ Pros
- ✓Smart home leak sensors proactively prevent major water damage claims
- ✓High standard limits for computers, TVs, and home office work equipment
- ✓Water backup included in standard baseline policies
- ✓Virtual handyman advice through Hippo Home Care
✕ Cons
- ✕Does not offer standalone auto insurance for bundling
- ✕Post-claim premium increases can be steeper than mutual carriers
Key Features
Free Smart Home IoT Sensor Kit4x More Standard Electronics CoverageWater Backup & Drain Overflow IncludedHome Office Equipment ProtectionHippo Home Care Virtual Maintenance Support