All About Hippo Insurance

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Home sweet home (Photo: @maginnis via Twenty20)
Home insurance is one product you never want to use. But in the unfortunate event you need it, you’ll be glad you purchased an insurance policy with excellent coverage.
Hippo Insurance began selling insurance policies in 2017, but they’ve quickly become the talk of the town. Here’s what you need to know about Hippo (not the majestically plump water beasts, the insurance company) and where can you get coverage from them.

Top Features of Hippo Insurance

To set themselves apart in the industry, Hippo says they “offer modernized coverage for the way homes are used today.” The intention is to make buying home insurance easy and modern. Here are some of the top features for Hippo Insurance.

Quotes in a Minute or Less

Getting an estimate on home insurance used to require an intrusive questionnaire and a lot of time. But getting a quote from Hippo is as smooth as it gets: simply enter your home address. In a minute or less, you’ll know if Hippo provides coverage on your home and an accurate quote on what it costs. Then, to proceed with the coverage you’re quoted, it can take as little as five minutes and it’s possible to do it all online.

Discounts for Smart Homes

Because new technology can protect your home and valuables better, Hippo offers discounts to homeowners who use smart home tech to better secure their property. They also provide a complimentary smart home monitoring system to help you protect your home even better.

Enhanced Coverage for Appliances

Some of the most expensive items in a home aren’t covered under most common insurance policies: things like appliances, TVs, and furnaces, for example. Hippo offers enhanced coverage for repair or replacement of any electrically powered device or appliance to prevent unexpected costs from ruining your year.

Full Replacement Cost for Personal Property and Electronics

It’s common knowledge that electronics and personal effects depreciate quickly in today’s economy. While some insurers take depreciation into consideration when settling a claim on personal property and electronics, Hippo provides full replacement value for them.

What Types of Coverage Does Hippo Insurance Cover?

At the moment, Hippo is only in the business of home insurance. Backed by partners and reinsurers worth more than $200 billion, the newish insurance company focuses on providing exceptional home insurance for Americans.
For coverage requirements outside the norm, Hippo also partners with other insurance providers so you’re well covered. Partners include:
  • Earthquake coverage through Palomar.
  • Flood coverage through Neptune Flood and the National Flood Program.
  • Wind damage through Velocity for Texas residents.
If you purchase policies through partners, you can track them through your portfolio in your Hippo account center.

Where Is Hippo Insurance Currently Available?

In the few short years Hippo has been selling home insurance policies, they’ve expanded into most areas across the United States. Insurance is available in:
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
Additional states will be added soon as well.