Smart-home-focused digital carrier with proactive monitoring + maintenance.
Get started at Hippo → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Smart-home owners who want carrier-integrated water/smoke/security monitoring + reduced premium.
Hippo Home Insurance — Smart-home-focused digital carrier with proactive monitoring + maintenance. Best for: Smart-home owners who want carrier-integrated water/smoke/security monitoring + reduced premium.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Hippo holds an A+ (Superior) financial-strength rating from AM Best — as listed in the carrier metrics. A+ is the second-highest AM Best rating tier, one notch below A++ (also Superior). This places Hippo above many regional carriers and on par with several major national carriers for financial-strength purposes. Verify the current rating at ambest.com before purchasing a policy.
Hippo offers a premium reduction for homeowners with installed smart-home monitoring devices — specifically water leak detectors, smoke/CO sensors, and security systems — as listed in the carrier data. The rationale: monitoring devices reduce claim frequency and severity. The discount amount and qualifying device list vary by state and policy; verify current discount details when obtaining a quote at hippo.com.
Standard homeowners policies typically default personal property coverage to 25–30% of the dwelling limit. Hippo's base coverage starts personal property at 50%+ of the dwelling value — a higher default coverage cap. For homeowners with significant electronics, furniture, or contents, this higher default reduces the risk of underinsurance on a standard policy. Verify actual coverage limits and sub-limits (electronics, jewelry, art) in any specific quote, since endorsements may apply.
Hippo is available in most US states but not all — as noted in the eligibility data. Availability and pricing vary by state. The most direct way to check your state is to start a quote at hippo.com, which will confirm availability immediately. ClearValue Lending earns a referral fee if you purchase through our link — see the affiliation disclosure at the top of this page.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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