Homeowners Insurance
What is homeowners insurance?
Your home is your safe haven, where you keep your most treasured belongings and make memories with those you love. But if your home were to be damaged or even destroyed in a fire, storm, or other disaster, could you afford to rebuild and replace everything that was lost?
Homeowners insurance is a type of coverage that financially protects you and one of your biggest assets: your home. If your property is lost, damaged, or destroyed by a covered peril, this insurance coverage will step in to replace or rebuild, cover legal expenses, and even pay for temporary lodging until things are back to normal.
LEARN MORE ABOUT HOMEOWNERS INSURANCE IN YOUR STATE
Use the handy map below to learn more about homeowners insurance in your area, from the basics to special considerations and discounts.
WHY CHOOSE HIPPO FOR YOUR HOMEOWNERS INSURANCE?
Your Hippo agent will help you build a plan that spans homeowners insurance and other coverages. Hippo Home offers the tech, tools, and services to help prevent problems in the first place.
Discounts
Multiple discounts available
Get the insurance coverage with competitive premiums and multiple potential discounts, including: Early Bird, Recent Home purchase, Gated Community etc.
Maintenance
More than just insurance
Get the free Hippo Home app with personalized maintenance plans, proprietary home health insights, discounted home hardware, and more. Everything a homeowner needs to protect their home.
Protection
Protect your biggest assets
Hippo and its partners offer coverage for homeowners, condo owners, landlords, and more, giving you peace of mind that you are financially protected against covered losses.
Customization
Customizable coverage options
Get multiple home insurance quotes from top national carriers with a single, simple search & customize it to suit your exact needs.
COMPARE HOMEOWNERS INSURANCE QUOTES & SAVE
Potential discounts from select carriers allow you to build a policy that protects your property while also saving you money. Eligibility may vary by location, policy, and other factors.
Smart Home Discount
Potentially unlock big discounts when you activate certain Smart Home devices for your property. These monitoring devices help protect your home from loss and prevent claims from happening in the first place.
Loss-Free Discount
Get rewarded for going claim-free. If you haven’t had a recent loss (in either three or five years, depending on the insurance policy), you might be eligible for this discount which can save you on your next home insurance quotes.
Affinity Discount
Affiliations with certain businesses, colleges and universities, membership clubs, and even home service providers may snag you additional discounts.
Hail Resistant Roof Discount
Install (or already have) a qualifying, impact-resistant roof on your home and you may be eligible for this money saving discount.
Home Buyer Discount
If you’ve purchased your home within the last 12 months, this discount may provide you with big savings on your new (or renewed) home insurance policy.
Theft Protection Devices Discount
Assistance for internal leaks, sewer backups, toilet blockages, pipe or drain issues, burst pipes, malfunctioning water heaters, and gas leaks.
HOA Discount
If you live in certain qualifying homeowners associations, you may be eligible for an HOA discount on your policy premiums.
Companion Policy Discount
Also known as a bundle discount or multi-policy discount, these savings might be available through some of our partners to people who purchase more than one insurance policy.
WHAT DOES HOMEOWNERS INSURANCE COVER?
Every homeowners policy is different, and Hippo can help you build the exact coverage to fit your needs. In general, though, homeowners insurance policies offer things like:
Dwelling coverage
To repair or replace your home and other eligible structures, such as a fence or garage.
Personal belongings coverage
For the items inside your home, like furniture, clothing, decor, electronics, and more.
Personal liability protection
In case someone is injured on your property (or as a result of something you or one of your housemates does).
Loss of use coverage
Helps pay for temporary lodging and other living expenses if your home is uninhabitable due to a covered loss.
Additional coverages
In addition to standard homeowners and condo insurance policies, Hippo offers other policy options. Here are some of the additional coverages you can choose from and why they matter.
Earthquake insurance
Most homeowners insurance policies exclude property damages related to ground movement, such as earthquakes. While earthquakes can occur anywhere, you may want to consider adding earthquake insurance coverage if you live in an area near a fault line or that is prone to tremors.
Flood insurance
The typical homeowners insurance policy also excludes damage due to flooding and water intrusion. If you live near a body of water, in a flood plain, or are just worried about flood water damage, buying flood insurance might be the right call.
Wind damage insurance
If you live in an area prone to hurricanes, tornadoes, or other wind-based storms, your homeowners insurance policy will likely exclude or limit damages related to high winds. To better protect your property, you can look into windstorm insurance coverage.
Landlord insurance
If you own a home but don’t live on the property and instead rent it to others, you may need different homeowners insurance coverage. A landlord insurance policy offers you protection for your dwelling, permanent fixtures and appliances, covered structures, and even provides you with liability coverage in most cases. It does not, however, cover your tenants’ personal property.
The covered causes of loss (called perils) allowed may differ by insurance company, policy type, and even your location. It’s important to ask your insurer what is and isn’t covered by your policy, and read your policy documents carefully to understand your coverage.
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LEARN EVERYTHING ABOUT HOMEOWNERS INSURANCE
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The Value of Guaranteed Replacement Cost [Insurance Perks]
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Read more ->FAQ'S
Want to learn even more about home insurance?
Here are the most frequently asked questions about homeowners insurance policies.
LEARN EVERYTHING ABOUT HOMEOWNERS INSURANCE
Even with Lower Interest Rates, Homebuyers May Still Face Challenges
Explore the challenges homebuyers continue to face, even with lower interest rates, and how builders and lenders can help address them with smart solutions
Read more ->Getting Home Insurance Before Closing [Pre-Close Prep]
Secure your new home by getting insurance before closing. Learn why it's essential and how to choose the right policy for a smooth transaction.
Read more ->2024 Pre-Summer Check-in Survey: Exploring Homeowner Preparations
This year is the summer of home maintenance for many homeowners. Read our survey findings to learn about potential challenges with upkeep this year and how homeowners plan to tackle tasks.
Read more ->The Value of Guaranteed Replacement Cost [Insurance Perks]
Discover the security of guaranteed replacement cost insurance coverage. Learn how it ensures your home is rebuilt without out-of-pocket expenses.
Read more ->
