Hippo Home Insurance

Hippo Home Insurance Review

Hippo Home Insurance is an insurance carrier based in Mountain View, CA. The company was founded in 2015 and offers home insurance in 15 states in the USA.

Hippo Home Insurance FAQ

What is the financial strength rating of Hippo Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Hippo Home Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.

What types of coverage does Hippo Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Hippo Home Insurance offers the following types of home insurance coverage:

Dwelling Coverage:

Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Renters Liability Coverage:

If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

Hippo Home Insurance customers can also add the following riders or endorsements to their home insurance policies:

Equipment Breakdown Protection:

This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

Personal Injury Liability Coverage:

This protects you against bodily injury and property damage for which you or the residents of your home are responsible.

Sewage and Drain Backup Coverage:

This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Hippo Home Insurance home insurance policy?

When you ask for a quote with Hippo Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

• Home Buyer
• Home Security or Protective Devices
• Home Monitoring System

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Hippo Home Insurance.

What additional benefits does Hippo Home Insurance offer?

Hippo Home Insurance offers the following benefits to its customers:

24/7 Phone Availability:

Customer service is staffed around the clock.