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When looking for auto insurance you might come across companies that seem to offer coverage but you come to find out they don’t. Hippo is often one of those companies. While you might be looking for affordable auto insurance, they only offer insurance to property owners so you’ll have to look elsewhere. But if you’re a current Hippo customer looking for auto insurance or considering Hippo for homeowner’s insurance and another company to cover your vehicle, we have you covered.
Read our Hippo insurance guide to learn more about what they offer and how you can still meet your auto insurance needs.
What is Hippo Insurance?
Hippo Insurance offers insurance to property owners. The company strives to save homeowners time and money with its streamlined offerings. With its modern approach, Hippo is able to deliver these promises to its customers.
Does Hippo Have Auto Insurance?
The company could be the right fit for you if you’re a homeowner or renter. However, if you’re looking for auto insurance, you’ll have to continue your search elsewhere because they don’t offer auto insurance.
While they don’t offer their own auto insurance coverage, they do have a partnership with Metromile in which you can score a 15% discount on your policy. Keep in mind that Metromile is a pay-per-mile auto insurance company that might not be the best fit for you. Also, a 15% discount is great, but it’s no guarantee you’re getting the best rate if you select this company.
What if You’re a Current Hippo Insurance Customer and Need Auto Insurance?
Just because Hippo doesn’t offer auto insurance, it doesn’t mean you’re stuck. There are many auto insurance companies on the market, so don’t just go with their partner for the discount. Instead, it’s time to do your research.
When looking for an auto insurance company you want to consider 2 things – the type of coverage you need and your budget. Finding the right company that provides you with the right amount of coverage and doesn’t break the bank might sound challenging, but it’s actually easier than you might think.
If you’re on the hunt for auto insurance we recommend you compare auto insurance rates of several companies on the market. Instead of looking at each company separately, which can take hours, our auto insurance comparison tool makes this process quick and easy.
Just enter your zip code below, answer a few simple questions and within 5 minutes or so, you’ll have real quotes from some of the top insurance companies around.
Then, once you narrow down a couple of options that fit your budget and coverage needs, you can do a deeper dive to determine which one to move forward with.
How Does Hippo Insurance Work?
Getting Hippo Insurance starts with securing a quote, which you can get in around 60 seconds.
If you run into questions about your homeowner’s insurance policy options, you can work with a Hippo Home Pro to find the best policy solution.
Making Insurance Payments
When you have an insurance policy through Hippo, there are a few ways to pay your premium. You can make payments through a bank transfer, using your credit/debit card or an escrow account.
Depending on your budgeting needs, you can pay for the policy all at once or set up a monthly, quarterly or twice annually payment plan.
Managing Rate Increases
Hippo offers relatively affordable rates. But it’s still possible to see rising costs, as with all insurance companies.
When working with Hippo, you can expect to pay 9% to 20% more in premiums each time you file a claim. Although not every claim will cause the same rate increase, it’s important to keep this unintended consequence of filing a claim in mind.
Filing Insurance Claims
If you work with Hippo, you can file a home insurance claim via email or make a phone call to the support team. Once you provide the initial information, Hippo will assign you a Claims Concierge advocate. This single point of contact will work with you to resolve the claim as quickly as possible.
Hippo Insurance Coverage Options
Every homeowner has slightly different insurance needs. Here are the types of coverage available through Hippo:
- Dwelling insurance. Dwelling insurance covers damage to your home’s structure. This can include homeowners insurance or condo insurance.
- Personal property insurance. This type of insurance covers your personal items in case of theft or damage.
- Extended replacement cost. If a covered event destroys your home, this optional coverage would increase your coverage up to 50% beyond your policy’s dwelling limit.
- Home office and computer coverage. If you have high-end home office equipment for your business or personal use, this unique option covers up to $10,000 per computer.
- Equipment breakdown coverage. If your appliances break due to electrical or mechanical failure, this add-on coverage provides up to $100,000 for repair or replacement costs.
- Service line coverage. If the connection line from your property to the street is damaged, having this extra endorsement provides financial coverage.
- Water backup coverage. If water from drains or sewers backs up into your home, this add-on option will provide coverage for the water damage.
The right insurance for you will vary based on your unique situation. But with the home insurance policies that go beyond the industry’s standard coverage, you should be able to avoid many of the typical homeowner headaches if you need to file a claim.
Where is Hippo Insurance Available?
Hippo homeowners insurance is available in 37 U.S. states, including Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, and West Virginia.
Hippo Insurance Customer Reviews
Hippo has earned 2.9 out of 5 stars from Trustpilot reviewers. But based on the 2,000+ reviews posted to the Hippo website, it has earned 4.9 out of 5 stars.
When you see mixed reviews like this, it’s important to do your own research into the reviews to determine what common problems are and whether you can handle the potential disadvantages of working with Hippo.
Pros and Cons of Hippo Insurance
Every insurance company has advantages and disadvantages. Here are some to consider with Hippo:
Let’s start with the pros:
- Affordable coverage. Hippo offers a good price on policies for homeowners who want to protect their most important asset.
- Streamlined website experience. Quick quotes and fast coverage are available.
- Appliance protection options. You can add on appliance coverage.
- Home office protection. If you have expensive office equipment, this is a big win.
- Free smart home devices. Hippo offers a free device to their policyholders.
Now for the cons:
- Phone call required for claim. The claims process cannot be completed entirely online.
- No in-person options. You’ll have to work with the company exclusively online and over the phone.
- No auto insurance. Although you can work with one of their partners, you can’t buy auto insurance directly through Hippo.
As you explore your home insurance needs, you’ll likely need auto insurance too. Before you commit to any particular company, make sure to compare quotes to find the cheapest options for your budget. With our auto insurance comparison tool we make the process easy. So what are you waiting for? See how much you can save today.