USAA vs. Hippo Homeowners Insurance in 2024 (Who Wins?)
When comparing USAA vs. Hippo homeowners insurance, premiums start at just $108/month. USAA offers military-focused homeowners insurance with personalized coverage and competitive rates, while Hippo provides tech-driven, customizable coverage with a digital-first approach for modern homeowners.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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135 reviewsCompany Facts
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A.M. Best Rating
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135 reviewsYou can get homeowners insurance from either USAA or Hippo, with prices starting at just $108 a month.
This guide breaks down discounts and customer service, helping you determine which insurer aligns with your needs. We’ll also address common questions like “How much homeowner insurance coverage do I need?”
USAA vs. Hippo Homeowners Insurance Rating| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.8 | 4.0 |
| Business Reviews | 4.5 | 4.0 |
| Claim Processing | 5.0 | 4.0 |
| Company Reputation | 5.0 | 4.5 |
| Coverage Availability | 5.0 | 4.1 |
| Coverage Value | 4.7 | 3.8 |
| Customer Satisfaction | 4.7 | 3.9 |
| Digital Experience | 5.0 | 4.0 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.6 | 3.9 |
| Plan Personalization | 5.0 | 4.0 |
| Policy Options | 4.7 | 3.5 |
| Savings Potential | 4.7 | 4.3 |
| USAA Review | Hippo Review |
Explore USAA vs. Hippo rates and coverage options to help you make an informed choice. Make sure to compare home insurance rates by entering your ZIP code above to avoid overpaying.
- USAA and Hippo offer insurance starting at $108 per month
- Hippo homeowners insurance covers art and jewelry
- USAA offers earthquake and flood insurance
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What is Homeowners Insurance
Homeowners insurance is a contract where you pay a premium for coverage against risks like damage to your home, belongings, and liability for injuries or property damage.
Brandon Frady LICENSED INSURANCE AGENT
It typically includes dwelling coverage for the structure of your home and attached features like garages or decks, personal property coverage for your belongings both inside and outside the home, and liability protection in case of lawsuits.
About United Services Automobile Association
Founded in 1922, USAA has become one of the most trusted insurers in the U.S., known for its exceptional customer service and reliability, particularly among military families. Offering a range of insurance products, including homeowners, auto, and life insurance, USAA makes it easy to bundle policies for added convenience.
What truly sets USAA apart is its commitment to serving the military community, with tailored coverage that addresses the unique needs of active duty service members, veterans, and their families.
About Hippo Insurance Services
Hippo Insurance, founded in 2015, is a tech-driven, customer-centric disruption of traditional homeowners insurance. Utilizing advanced analytics and smart home technology, Hippo provides homeowners with options for customizable coverage specific to their vulnerabilities, like where they live, the materials they built with, and any special features (pools, trampolines, etc.).
Read More: Hippo Homeowners Insurance Review
The company essentially simplifies the insurance process by offering a digital experience for managing policies online, with no paperwork process or phone calls required. Hippo provides 24/7 claims support and fast, efficient handling so you don’t have to deal with any hassle.
Comparing USAA and Hippo Homeowners Insurance
Now that we have explored the individual overview of USAA and Hippo homeowners insurance, it’s time to compare the two and see how they stack up against each other.
Price Comparison
When it comes to price, it’s essential to consider that insurance premiums can vary based on numerous factors like location, home value, and personal circumstances. Generally speaking, USAA is known for offering competitive rates that cater to the specific needs of military members.
USAA vs. Hippo Full Coverage Homeowners Insurance Monthly Rates by Age & Gender| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $363 | $754 |
| Age: 16 Male | $378 | $799 |
| Age: 30 Female | $116 | $126 |
| Age: 30 Male | $124 | $134 |
| Age: 45 Female | $101 | $102 |
| Age: 45 Male | $104 | $98 |
| Age: 60 Female | $88 | $86 |
| Age: 60 Male | $92 | $89 |
On the other hand, Hippo’s pricing may be influenced by their use of smart home technology. While this can result in potential discounts for homeowners who adopt these devices, it’s important to weigh the potential savings against the initial investment in smart home equipment.
USAA vs. Hippo: Coverage Comparison
Both USAA and Hippo offer comprehensive coverage that includes dwelling coverage, personal property coverage, and liability coverage. However, USAA’s coverage is tailored specifically to military members and their families, while Hippo’s coverage is designed for a wider audience.
In terms of optional coverages, both providers offer additional protections, such as earthquake insurance and extended coverage for high-value items. However, Hippo’s use of smart home technology sets them apart by providing proactive loss prevention.
Coverage Options With USAA
When it comes to protecting your home, USAA offers comprehensive coverage that safeguards your property and personal belongings against a variety of risks. Their policies typically include dwelling coverage, personal property coverage, and liability coverage.
- Dwelling Coverage: Protects the structure of your home (walls, roof, foundation) from risks like fire, vandalism, and severe weather.
- Personal Property Coverage: Helps repair or replace your belongings if damaged or stolen.
- Optional Coverages: USAA offers optional earthquake and flood insurance for added protection in high-risk areas.
- Add-Ons: USAA offers identity theft coverage to protect against fraud and home-sharing coverage for homeowners renting out property, such as on Airbnb.
With USAA’s comprehensive coverage, you can rest easy knowing your home and belongings are protected from life’s unexpected events.
Coverage Options With Hippo
Hippo offers innovative homeowners insurance focusing on smart technology and customizable coverage to help protect your home and belongings.
- Standard & Optional Coverages: Hippo offers optional coverage for equipment breakdown, water backup, and high-value items.
- Smart Home Tech: Hippo provides free smart devices and alerts for potential risks like water leaks.
- Unique Approach: Hippo uses special technology in homes to help people avoid losing things. This helps keep their homes safe and manage problems before they happen.
Does Hippo homeowners insurance cover damage from hurricanes? Yes, Hippo homeowners insurance generally covers hurricane damage, including wind and water, though coverage details may vary by policy.
With Hippo’s proactive approach and smart home features, you can safeguard your home and prevent damage before it happens.
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Business & Customer Service Ratings Comparison
Both USAA and Hippo are highly regarded for their customer service. USAA is known for its outstanding customer support and ease of claims process, garnering high customer satisfaction ratings. Meanwhile, Hippo differentiates itself by offering a user-friendly, digital-first experience. Their intuitive online platform allows homeowners to easily manage their policies and access support when needed.
Insurance Business Ratings & Consumer Reviews: USAA vs. Hippo| Agency | | |
|---|---|---|
 | Score: 882 / 1,000 Above Avg. Satisfaction | Score: 882 / 1,000 Above Avg. Satisfaction |
 | Score: A++ Excellent Business Practices | Score: A+ Great Business Practices |
 | Score: 96/100 High Customer Satisfaction | Score: 80/100 Good Customer Feedback |
 | Score: 1.74 More Complaints Than Avg. | Score: 1.75 More Complaints Than Avg. |
 | Score: A++ Superior Financial Strength | Score: A Excellent Financial Strength |
USAA and Hippo are both highly regarded for customer service, with each earning an 882 out of 1,000 from J.D. Power, indicating above-average satisfaction. USAA stands out for its strong financial stability, with an A++ rating from A.M. Best and high Consumer Reports ratings (96/100), while Hippo offers a tech-driven, user-friendly platform with an A rating for financial strength and a good (80/100) score on Consumer Reports.
YOU BOUGHT IT. IT’S TIME TO OWN IT.
We give your home a checkup and provide a complementary, personalized home health profile to identify and troubleshoot any issues. pic.twitter.com/wCVVaxjLCH
— Hippo (@hippo_insurance) August 30, 2022
Both insurers have above-average complaint rates, with scores of 1.74 for USAA and 1.75 for Hippo. Choosing between the two depends on your priorities: USAA is ideal for military families seeking personalized coverage, while Hippo appeals to those looking for innovative, digital-first solutions.
Read More: Worst Insurance Companies in America According to AAJ
Insurance Discounts Between USAA and Hippo
USAA and Hippo both offer valuable homeowners insurance discounts, though with different focuses. USAA provides discounts for bundling policies, installing protective devices, having a claims-free history, and offering special rates for military members. Stop overpaying for auto and home insurance by bundling insurance with USAA to take advantage of these savings
Hippo emphasizes tech-driven savings, such as for smart home devices and home upgrades, and also offers discounts for bundling, claims-free records, and newer homes. While USAA has a broader range of traditional discounts, Hippo targets digital-savvy homeowners with its modern, tech-oriented approach.
Pros and Cons of USAA Homeowners Insurance
Pros
- Tailored Coverage: Custom coverage for military members, whether on or off base, as mentioned in the USAA homeowners insurance review page.
- Efficient Claims Process: Fast, hassle-free claims with prompt support.
- Exclusively for the Military Community: Focused on serving military families with personalized attention.
Cons
- Limited Accessibility: Only available to military members, veterans, and their families.
- Potentially Higher Rates: Rates may be higher in some areas, requiring comparison.
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Pros and Cons of Hippo Homeowners Insurance
Pros
- Tech-Driven Prevention: Prevent damage and reduce claims with the help of smart devices.
- Customizable Coverage: Does Hippo homeowners insurance cover jewelry? They have flexible policies for high-value items such as art and jewelry.
- Convenient Digital Experience: The tech-savvy homeowners have easy online management.
Cons
- Limited Availability: Although Hippo isn’t available in every state, be sure to check if they’re in your area.
- Digital-Only Service: Traditional users of the service get no in-person or phone support.
USAA vs. Hippo Homeowners Insurance – Which one is right for you?
USAA and Hippo both have strong homeowners insurance, but they differ in what they do well. If you’re a military family, USAA is an excellent option because it offers personalized coverage at competitive rates, but it misses some of the most modern tech features.
Hippo, however, stands out with smart home technology, personalized coverage, and a smooth digital experience, but its digital-first approach may not be the right fit for those who prefer in-person service. USAA has 6.7%, Hippo has 1.1%, and other providers have 92.3% of the market share.
Ultimately, it depends on your personal preferences and coverage needs. Get home insurance quotes online, and find a winning home insurance policy that best fits your lifestyle—whether you’re looking for military-focused coverage with USAA or a modern, tech-driven experience with Hippo.
Make sure your home is protected by entering your ZIP code into our home insurance comparison tool below today.
Frequently Asked Questions
Is Hippo insurance legitimate?
Yes, Hippo Insurance is legitimate, offering tech-driven, customizable coverage with an A financial strength rating and innovative solutions for homeowners. See how Hippo Insurance compares to its competitors to determine if it’s the right fit for your needs.
Who is USAA’s biggest competitor?
USAA’s biggest competitors include major insurers like State Farm, Geico, and Allstate, offering broad coverage and competitive rates.
Read More: Geico Auto Insurance Review
Does USAA have the best home insurance rates?
USAA offers competitive rates for military families, but comparing quotes is essential to find the best deal for your needs. Don’t settle for expensive home insurance premiums. Enter your ZIP code below to find robust coverage for your dwelling at an affordable price.
Does Hippo insurance pay claims?
Yes, Hippo Insurance efficiently handles claims through its 24/7 digital-first claims process, ensuring fast and reliable service.
Can anyone get USAA insurance?
No, USAA insurance is exclusive to military members, veterans, and their families, offering specialized coverage for this group.
What are the disadvantages of USAA?
USAA is limited to military families and may not always have the lowest rates in certain areas.
Read More: Military Car Insurance Discounts and Tips
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Which insurance company is best for home insurance?
The best choice depends on your needs, with USAA ideal for military families and Hippo excelling in tech-driven, customizable coverage.
Is Hippo reliable?
Yes, Hippo is reliable, offering strong financial backing, efficient claims processing, and proactive risk prevention through smart home technology.
Read More: Bundling Home and Auto Insurance With Hippo
Who is behind Hippo Insurance?
Hippo Insurance was founded in 2015 by Assaf Wand and Eyal Navon, with backing from leading venture capital firms.
What is the financial rating of Hippo?
Hippo holds an A financial strength rating, reflecting its stability and ability to handle claims effectively.
Does USAA homeowners insurance cover foundation repairs?
USAA may cover foundation repairs if caused by covered perils like water leaks or floods. However, weather-related coverage exclusions may apply depending on the policy.
Does USAA provide water leak detection coverage?
USAA policies often include water leak detection tools or services to prevent costly damage, enhance overall property protection, and offer robust types of homeowners insurance.
Does USAA offer pool insurance?
Yes, USAA offers pool insurance as part of their homeowner’s policies, protecting against liability and damage related to pool ownership. Protecting your home doesn’t have to be expensive. Enter your ZIP code below into our free tool to find affordable homeowners insurance today.
Enter your ZIP code below to compare cheap insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
