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Hippo Insurance is a relatively new insurance company that offers home insurance with a tech-first approach. The company provides a host of potential discounts and innovative coverage options. It is licensed as a property casualty insurance agency in all states in which products are offered. While Hippo Insurance is available in 39 or 40 states, it is unclear if it is available in Florida. Florida residents can visit the Hippo website to get an online quote in 60 seconds and check their eligibility.
| Characteristics | Values |
|---|---|
| Availability in Florida | Yes, Hippo offers landlord insurance for rental properties in Florida |
| Number of States Available In | 39 or 40 |
| Types of Insurance | Homeowners, condo, landlord, car |
| Discounts | No-claims, no-mortgage, affinity group, homeowners association, fire extinguisher, gated community, early signing, companion policy, Xfinity services, Xfinity home security, smart home |
| Smart Home Features | Water leak sensor, smart home monitoring, Xfinity smart home insurance |
| Customer Satisfaction | 1.0/5 stars in 2025 on The Zebra; 2.6/5 stars for 2024 on Bankrate |
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What You'll Learn
Hippo Insurance in Florida: What's on offer?
Hippo Insurance Services is a relatively new insurance company that offers homeowners insurance in 39 states. Florida is one of the states in which Hippo Insurance is licensed to operate, and it offers a range of insurance products to Florida residents.
Homeowners Insurance
Hippo offers homeowners insurance in Florida, which can protect your dwelling and personal belongings against loss from any number of eligible perils, including damage from hail, theft, or fire. Homeowners insurance policies typically cover the repair or replacement of your home and other eligible structures, such as a fence or garage, as well as the items inside your home, such as furniture, clothing, decor, and electronics. Hippo allows customers to build the exact coverage they need, with additional coverage options available.
Landlord Insurance
Hippo also offers landlord insurance in Florida, which can protect rental properties from tenant issues and property damage. This insurance can provide peace of mind and help secure your investment.
Discounts and Savings
Hippo offers a range of discounts and savings opportunities for Florida residents. These include a no-claims discount of up to 20% for going a certain number of years without filing a claim, a no-mortgage discount of up to 10% for paying for your home upfront, and an early signing discount of up to 10% for getting a new insurance policy before your current one expires. Other discounts are available for affinity groups, homeowners associations, fire extinguishers, and homes in gated communities.
Smart Home Technology
Hippo utilizes smart home technology and has partnered with Xfinity to provide smart home insurance. Florida residents with Xfinity Home security or other Xfinity services may be eligible for discounts. Each Hippo policy includes a water leak sensor to help detect problems early on.
Customer Satisfaction
While Hippo Insurance has received mixed reviews, with a rating of 2.6 out of 5 stars from Bankrate in 2024, it could be a good choice for tech-savvy consumers who value digital tools and smart home technology. Florida residents can get a personalized quote from Hippo in 60 seconds on its website to see if it is the right fit for their insurance needs.
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Hippo's Florida landlord insurance
Hippo Insurance Services is a relatively new company that offers landlord insurance in Florida. While landlord insurance is not legally required in Florida, it is highly recommended for anyone renting out a property. This is because landlord insurance offers specific protection that standard homeowners insurance does not, including coverage for tenant-related damages, liability claims, and lost rental income. For example, if a tenant gets injured on your property and you are found liable, landlord insurance can help pay for these problems.
Hippo Insurance provides landlord insurance for rental properties in Florida, which can protect property owners from risks that homeowners insurance cannot. These include tenant issues, property damage, liability issues, and loss of rental income. The cost of landlord insurance in Florida depends on various factors, including the property's location, size, and age. Coastal areas or regions prone to hurricanes often have higher premiums. The level of coverage, deductible amount, and additional coverage, such as flood insurance, also influence the price.
Hippo Insurance offers multiple discounts to help offset the higher cost of landlord insurance. These include the No-Claims Discount, where customers can earn up to a 20% discount if they go a certain number of years without filing a claim. There is also the No-Mortgage Discount, which offers up to a 10% discount if the customer pays for their home upfront. Additionally, being part of an affinity group or a homeowners association (HOA) can save customers between 5% and 20% on their policy.
Hippo Insurance also provides smart home technology with a water leak sensor included in every policy. This technology helps detect problems early on and can lead to potential discounts when certain smart home devices are activated. Overall, Hippo Insurance's landlord insurance in Florida offers tailored coverage and multiple discounts to protect rental property owners from financial strain due to unforeseen events.
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Discounts and deals
Hippo Insurance is a relatively new company that offers a range of discounts and deals to its customers. While it is not clear if Hippo Insurance is available in Florida, the company does offer landlord insurance for rental properties, which is relevant to Florida residents.
Hippo Insurance provides a variety of discounts to its customers, including:
- Early signing discount: Customers can get a discount of up to 10% if they purchase a new insurance policy for their home or condo before their current policy expires.
- No-claims discount: Customers can earn up to a 20% discount if they go a certain number of years without filing a home or condo insurance claim.
- No-mortgage discount: Hippo offers a discount of up to 10% for customers who pay for their homes upfront.
- Affinity group discount: Being part of certain groups can save customers between 5% and 20% on their homeowner's policy.
- Homeowners Association (HOA) discount: Customers who are part of a homeowners' association can receive a discount of between 5% and 10%.
- Fire extinguisher discount: Hippo offers a 5% discount for customers who have a fire extinguisher in their homes.
- Gated community discount: Customers living in a gated community may qualify for a discount of between 5% and 20%.
- Multi-policy discount: Customers who purchase more than one insurance policy from Hippo or its partners may be eligible for a bundle discount.
In addition to these discounts, Hippo also offers smart home technology with a water leak sensor included in every policy. This technology helps detect problems early on. Hippo has partnered with Xfinity to provide smart home insurance, and customers with Xfinity services or home security may be eligible for additional discounts.
Hippo Insurance also offers a range of coverage options, including repair or replacement of eligible structures, coverage for personal belongings, personal liability protection, and temporary lodging expenses if a home becomes uninhabitable due to a covered loss. The company provides landlord insurance for rental properties, which is relevant for Florida residents.
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Tech-savvy tools
Hippo Insurance is a tech company that offers a tech-first approach to home insurance. The company provides comprehensive digital tools and smart home technology to its customers. For instance, Hippo offers a smart home kit to eligible customers free of charge. This kit includes a water leak sensor that helps detect problems early on. Hippo also offers higher coverage limits for computers and home office equipment, making it an attractive option for those who work from home.
In addition to the smart home kit, Hippo has partnered with Xfinity to provide smart home insurance. Customers with Xfinity services can receive discounts, and those with Xfinity Home security can earn additional discounts. Hippo also offers other discounts, such as a no-claims discount, a no-mortgage discount, and a fire extinguisher discount.
Hippo's tech-focused methods and innovative coverage options may appeal to tech-savvy consumers who value a digital approach to home insurance. The company's use of smart home technology and digital tools allows customers to stay ahead of problems and make informed decisions about their coverage needs.
However, it is important to note that Hippo's availability may vary by jurisdiction. While it is licensed as a property casualty insurance agency in all states in which products are offered, policies may not be available everywhere due to its partnerships with various underwriting partners. As of 2025, Hippo is available in 40 states, and customers can use their zip code to determine if they are eligible for coverage in their area.
Overall, Hippo's tech-savvy tools and innovative coverage options offer a modern approach to home insurance, providing customers with a range of benefits and discounts.
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Customer reviews
While Hippo Insurance is a relatively new insurance company and is not yet rated by J.D. Power for customer satisfaction, it has received mixed reviews from customers. On the one hand, some customers have praised Hippo for its excellent customer service, competitive pricing, and seamless experience. One customer review mentions that Hippo provided normal insurance rates that were $3000 lower than other companies, while another highlights the ease of using Hippo's website and the speed and efficiency of its representatives.
On the other hand, Hippo has also received negative feedback, with some customers expressing disappointment with the company's claims assistance and customer service. One review mentions that Hippo is the only insurance company where they had to escalate to a supervisor to get any assistance, while another review describes the claims process as a "typical insurance scam". There are also concerns about Hippo's lack of availability in certain states, including Florida, and its policy of requiring customers to take pictures inside their homes, which some view as intrusive.
> "Absolute worst, avoid this company at all costs. The support and service are some of the least responsive and helpful... They make every excuse to not pay out on insurance claims."
> "To all home insurance shoppers, please for your own sake, do not become one of Hippo customers. As others have said, when it comes to a claim, it will not go smooth at all, and you would most likely be denied for coverage."
> "Trust me, it was so unpleasant to talk to a person like Brandi on the phone. It was so unprofessional and any normal person like me would instantly never want to deal with anybody at Hippo."
Despite the mixed reviews, Hippo has been recognised for its modern approach to home insurance, offering innovative coverage options and potential discounts. The company has an AM Best rating of A- (Excellent), indicating its ability to meet claims obligations. However, due to its limited availability and lack of J.D. Power customer satisfaction scores, prospective customers are advised to seek out reviews and compare home insurance companies before committing to a policy.
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Frequently asked questions
Yes, Hippo Insurance is available in Florida.
Hippo offers landlord insurance for rental properties in Florida.
Hippo Insurance covers repair or replacement of your home and other eligible structures, items inside your home, and injuries on your property. It also covers temporary lodging and living expenses if your home is uninhabitable due to a covered loss.
Hippo Insurance has received mixed reviews, with ratings varying across different platforms. On Clearsurance, Hippo Insurance Services' rating is based on customer reviews, with the company offering various discounts and ways for policyholders to save money on premiums. On Bankrate, Hippo Insurance earned 2.6 out of 5 stars for 2024, with its tech-focused methods appealing to some but also having drawbacks.
