Homeowners insurance
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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.
Use the search bar 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.
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.
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.
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.
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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FAQs
Want to learn even more about home insurance? Here are the most frequently asked questions about homeowners insurance policies.
According to the National Association of Insurance Commissioners (NAIC), the most common type of homeowners insurance is an HO-3 policy. HO-3 policies provide all perils coverage for dwellings and other eligible structures, as well as named perils coverage for personal belongings and personal liability protection.
Where is homeowners insurance the most expensive? We offer 24/7 access to home maintenance experts to help you tackle things yourself or find trusted Pros who can do it for you.
Homeowners insurance coverage protects your dwelling and personal belongings against loss from any number of eligible perils. Whether your roof is damaged by hail, your belongings stolen, or your property is destroyed in a fire, homeowners insurance can help make you whole again.
Homeowners insurance premiums are affected by a number of factors including the age and size of your home, coverage limits, deductibles, the type of policy you buy, where you’re located (usually based on ZIP code), any additional coverages added, and even personal factors like your claims history and credit score.
While policies may differ, homeowners insurance coverage typically excludes things like normal wear and tear, general maintenance, intentional damage, and damage due to pests or rodents. Your policy may also exclude perils such as flooding, mold, sewer backups, earthquakes, and more.
