Hippo Home Insurance Review

Modern home insurance with smart home monitoring and proactive home protection included. Independent Hippo Home Insurance review: 4.6/5 for home insurance.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Hippo builds smart home monitoring into every policy and covers home office equipment by default, all aimed at heading off claims. Premiums run higher than bare-bones policies, it's sold in 38 states, and it requires an eligible home type. Its AM Best financial strength rating comes through partners, so ask which one writes your policy.

Skip it if you just want the cheapest bare-bones policy, or your state or home type isn't eligible.

About Hippo Home Insurance

Modern home insurance with smart home monitoring and proactive home protection included. Hippo Home Insurance is offered by Hippo Insurance. Our editorial rating is 4.6 out of 5.

Best for: Homeowners who want proactive protection and smart home tech.

Editorial grade: B+ (composite score 82/100).

Highlights

Smart home monitoring integration with every policy
Proactive monitoring to prevent claims
Coverage for home office equipment included

What we like

Smart home integration helps prevent damage
Modern coverage includes home office by default
Easy online experience with proactive alerts

Where it falls short

Limited availability in some states
Higher premiums than bare-bones policies

Fees, minimums, and rates

Monthly fee: Varies by property. Minimum to open: N/A. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Hippo Insurance. It is built from Hippo Insurance's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.