Geico vs. Hippo Homeowners Insurance in 2025 (Head-to-Head Review)
Geico vs. Hippo homeowners insurance delves into specific coverages, with Geico offering comprehensive standard protection at $20/month. Hippo, targeting tech-savvy homeowners, provides advanced smart home coverage starting at $27/month, showcasing distinct approaches to home insurance solutions.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Feb 12, 2025
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: Feb 12, 2025
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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0 reviewsCompany Facts
Home Insurance Cost
A.M. Best Rating
Complaint Level
Pros & Cons
0 reviewsThe Geico vs. Hippo homeowners insurance comparison demonstrates that the two companies complement each other nicely because they provide different types of benefits depending on what you really need for your home coverage.
This makes Geico a sure thing for anyone searching simple solutions and minimal cover, whilst Hippo is perfect of the technophiles out there seeking advanced smart home protection like nothing else on the market.
Geico vs. Hippo Homeowners Insurance Rating| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.6 | 4.0 |
| Business Reviews | 4.5 | 4.0 |
| Claim Processing | 4.8 | 4.0 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 4.1 |
| Coverage Value | 4.4 | 3.8 |
| Customer Satisfaction | 4.5 | 3.9 |
| Digital Experience | 5.0 | 4.0 |
| Discounts Available | 4.7 | 5.0 |
| Insurance Cost | 4.5 | 3.9 |
| Plan Personalization | 4.5 | 4.0 |
| Policy Options | 4.1 | 3.5 |
| Savings Potential | 4.5 | 4.3 |
| Geico Review | Hippo Review |
This side-by-side comparison serves as your guide to the types of home insurance policies available, helping you identify the provider that best fits your needs so you can shop with confidence.
Compare Geico and Hippo homeowners insurance rates now with our free quote tool to safeguard your most valuable asset.
- Geico offers comprehensive coverage starting at $20 monthly
- Hippo provides enhanced smart home coverage for $27 monthly
- Geico is the top choice for extensive homeowner protection
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Budgeting for Home: Analyzing Insurance Costs
The table shows a side-by-side comparison between the monthly homeowners insurance rates offered by Geico and Hippo by age and gender. This suggests that Geico generally offers lower initial rates that increase more steadily over the years than Hippo.
Geico vs. Hippo Home Insurance Monthly Rates by Age & Gender| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $12 | $16 |
| Age: 16 Male | $14 | $18 |
| Age: 30 Female | $15 | $20 |
| Age: 30 Male | $17 | $22 |
| Age: 45 Female | $19 | $25 |
| Age: 45 Male | $20 | $27 |
| Age: 60 Female | $21 | $28 |
| Age: 60 Male | $23 | $30 |
To keep your homeowner’s insurance rates from increasing, try Geico, a consistent low-price leader throughout the demographics. For example, a 16-year-old female would shell out $12 with Geico and $16 with Hippo, while a 60-year-old male would pay $23 with Geico and $30 with Hippo, showing that Geico has much wider affordability.
Geico vs. Hippo Customer and Business Ratings
The performance and reputation of Geico and Hippo in the homeowner’s insurance market through various authoritative ratings. Geico achieves a J.D. Power score of 857 out of 1000, indicating above-average customer satisfaction, whereas Hippo scores higher at 882, suggesting even greater customer contentment.
Geico vs. Hippo Insurance Business Ratings & Consumer Reviews| Agency | | |
|---|---|---|
 | Score: 857 / 1,000 Above Avg. Satisfaction | Score: 882 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Great Business Practices | Score: A+ Great Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 80/100 Good Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 1.75 More Complaints Than Avg. |
 | Score: A++ Superior Financial Strength | Score: A Excellent Financial Strength |
Geico and Hippo hold A+ ratings from the Better Business Bureau, indicating ethical business practices. Consumer Reports rates Geico at 74/100 and Hippo slightly higher at 80/100, meaning customer reviews were relatively good. The National Association of Insurance Commissioners (NAIC) index reflects fewer customer complaints for Geico at 0.55, compared to Hippo’s 1.75.
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Geico carries an A++ A.M. Best rating, which indicates better financial stability than Hippo’s A rating. Also, your credit score plays a role in your home insurance rates; higher scores might lower your premiums. This comparison highlights the significance of Geico A.M. Best rating and Hippo Insurance rating A.M. Best in evaluating their ability to meet financial obligations.
Comparing Geico and Hippo Home Insurance Coverages
When considering Geico and Hippo homeowners insurance, you should see that both companies offer plenty of coverage to protect your home and valuables. Geico is recognized for its low rates and full coverage choices, plus the potential to package policies to save more.
In contrast, Hippo offers a fresh approach with unique features like the Smart Home Package, which caters to the needs of modern homeowners. Both companies boast excellent customer service—Geico with its well-oiled, long-established processes, and Hippo with a more tailored approach through direct access to insurance experts.
On claims filing, Geico’s simple process is consistent with its durable reliability, and Hippo’s personalized concierge service will guide you every step of the way, so you won’t feel out of your depth. Ultimately, the Geico vs Hippo decision depends on what’s important to you — if that’s Geico for its reliability and low premiums or Hippo for its tech-forward and bundling policies.
How Home Insurance Works
For financial protection against damage to or loss of your homes and your belongings, you need homeowners insurance, which covers the physical buildings on your property and your personal property, which can include furniture, appliances, and electronics. It provides liability protection in case someone is injured on your property and files a lawsuit for damages, protecting you from legal claims.
What you need to know about homeowner insurance policies is that they are essential for protecting your investment from unforeseen disasters such as natural disasters and theft. Having insurance not only secures your financial interests but is also usually required by mortgage lenders to safeguard their investment.
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When considering a policy, assess coverage availability, price, service, and claims. These factors help us ensure that the policy suits you not only in terms of eligibility since it is able to provide you with enough cover and backup in case of need.
Whether you’re considering Geico mortgage insurance or Hippo mortgage insurance, understanding these aspects can guide you to the right decision for your home insurance needs.
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Market Share Dynamics in Homeowners Insurance: Geico and Hippo
Based on the most recent homeowner’s insurance market share analysis, Geico’s market share is at 6.0%, and Hippo’s market share is at 1.0% this year. This data will help you to reflect the competition present in the insurance market and at what scale these firms operate.
As both companies have wide sections of offerings for different requirements, it is important to analyze whether you need multiple policies to get sufficient coverage. And it’s only a slightly smaller share than the 93.0% of the market that other insurance companies hold, and that gives a good indication of the competitive context that Geico and Hippo both sit, neither is a significant player in the insurance market.
Overview of Geico
Founded in 1936, Geico is one of the most familiar names in the insurance market, with considerable trust built not only on its auto insurance but also on solid homeowners policies. It is also rated as A++ by AM Best in terms of its financial health and reliability.
Geico’s homeowner’s policy is thorough, protecting against theft, fire, natural disasters, and personal liability. It also has features such as earthquake damage and water backups coverage that make sure you can handle an unexpected event.
Geico showcases its commitment through around-the-clock customer service and a straightforward online system that simplifies both claims and policy management. Submitting a claim is easy, and Geico’s extensive network of reputable professionals has you covered when it comes to fast, high-quality repairs — including roof replacement if it’s a covered part of your Geico homeowners insurance policy.
So with Geico, you’re not merely buying insurance; you’re making a partnership with a dependable ally prepared to assist you when it really counts. Explore Geico home insurance quotes to find your ideal coverage.
Overview of Hippo
Hippo launched in 2015 and is shaking up the insurance world with its tech-driven services and modern coverage. It is innovating via disruption by integrating technology, utilizing data analytics and AI algorithms to allow customers to design and build their own tailored policies.
Hippo homeowners insurance covers water damage as part of their comprehensive policy offerings, which also include features like the Smart Home Package, enhancing protection for digital devices in homes, and identity theft protection. Although relatively new to the insurance scene, Hippo has quickly established a strong reputation and holds an A- financial stability rating from Demotech.
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Hippo prides itself on great customer service, with easy access to insurance experts and a streamlined online platform for managing polices and filing claims. Offering unique and customized services, Hippo is a great choice for homeowners looking for modern solutions and trusted coverage. Check out Hippo home insurance quotes to see how they can meet your needs.
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Pros and Cons of Geico Homeowners Insurance
Pros
- Reliability You Can Trust: Geico gets top marks for financial strength, with an A++ from AM Best, so you know they’ll process claims quickly and efficiently.
- Extensive Coverage: Whether it’s damage from a storm or theft, Geico covers a wide array of incidents that could harm your home, ensuring that you’re well-protected under most circumstances.
- Round-the-Clock Support: Geico is renowned for customer service and is always on call. You can file a home insurance claim or get help anytime with their easy-to-use online tools and apps.
Cons
- More Complaints: Although Geico performs well overall, it registers more complaints than Hippo, which might point to some customers not having their expectations fully met.
- Conventional Methods: Geico sticks to traditional insurance offerings. If you’re looking for cutting-edge services, you might find them a bit behind the curve compared to newer, more tech-focused companies.
Pros and Cons of Hippo Homeowners Insurance
Pros
- Modern Solutions: Hippo uses the latest technology to offer coverages that meet today’s homeowners’ needs, like smart home technology protections.
- Customer Satisfaction: Hippo leads in making customers happy, as shown by their higher scores on surveys like J.D. Power, suggesting a strong alignment with homeowner needs.
- Personal Touch: With Hippo, you get direct access to insurance experts who provide personalized advice and assistance, making insurance less of a headache and more of a helpful safeguard.
Cons
- Higher Complaint Ratio: Despite innovative offerings, Hippo sees a higher rate of complaints, indicating some areas might need tweaking to improve user satisfaction.
- Less Proven: Hippo, newer than Geico, lacks a long track record, which might concern some homeowners. Canceling Hippo homeowners insurance is straightforward.
Geico Leads in Homeowners Insurance: Affordable and Comprehensive
After our Geico vs. Hippo homeowners insurance review, we determined that Geico is the best fit for most homeowners. Geico’s advantages include:
- Affordable and Competitive Rates: Starting at $20/month, Geico provides cost-effective solutions that cater to a wide range of budgetary needs.
- Nationwide Availability: Geico’s services are accessible in more states, making it a convenient option for a broader audience.
- Comprehensive Coverage: Geico gives you a selection of extensive payout options to help keep your home protected against a variety of risks, with coverage from basic protection to custom endorsement.
- Exceptional Customer Support: Geico’s service also has a good reputation among homeowners, with responsive support staff and a smooth claims experience.
With an affordable price point, more extensive coverage options, and a national presence — Geico is one of the best homeowners insurance options around. Hippo modern smart home coverage highlights the coverage you need, which is why valuable item insurance is important.
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Choosing Between Geico and Hippo for Homeowners Insurance
To choose between Geico or Hippo for homeowners insurance, consider your needs. Geico provides wide-ranging coverage with the opportunity to save by bundling policies and a strong claims experience that’s supported 24/7.
Hippo offers innovative, tech-driven solutions with smart home coverage and personalized service. Geico delivers reliable coverage and cost-efficient options. Compare both to find the best fit and get home insurance quotes online tailored to your needs.
Get the perfect home insurance policy at the best price by using our free comparison tool.
Frequently Asked Questions
What are the benefits of Geico’s high-value home insurance versus Hippo’s policies?
Geico’s high-value home insurance is perfect for high-priced homes, with higher coverage limits and some extra perks that may be better suited than Hippo’s general policies.
How does the cost of Geico home insurance compare to Hippo’s rates?
Generally, Geico home insurance costs are competitive and may be lower than Hippo’s, especially for standard coverage levels without the advanced tech enhancements that Hippo offers.
What do Geico condo insurance reviews say about their coverage compared to Hippo’s smart home features?
Geico condo insurance reviews tend to mention coverage reliability and affordability, while Hippo reviews highlight advanced smart home features for tech-minded homeowners. This is a super way to go about getting the best condo insurance coverage you need.
Where can I find Geico homeowners insurance quotes online?
You can obtain Geico homeowners insurance quotes directly from their website, which provides a user-friendly interface for quick and accurate pricing.
Is Geico insurance for homes available nationwide?
Yes, Geico home insurance does offer coverage in any state across the U.S., giving you a range of options that fit your needs as a homeowner.
How does Geico earthquake insurance compare to Hippo’s coverage offerings?
Earthquake insurance: If you live in an area particularly prone to seismic activity, Geico’s earthquake coverage is a valuable option that typically won’t be offered as part of Hippo’s base policies unless you pay extra for it. This shows how insurers manage natural disasters through differentiated types of insurance to meet specific needs.
What do Geico mobile home insurance reviews say about their service and coverage?
Geico mobile home insurance reviews generally commend the company for its effective coverage and customer service, noting its responsiveness and comprehensive protection.
How do Hippo auto insurance reviews compare to those of Geico?
Hippo auto insurance reviews often praise its innovative features and customer service, although it’s not as widely recognized as Geico, which is known for its extensive coverage and customer loyalty perks.
Can I get Geico fire insurance as part of my homeowner’s policy, and how does it compare with Hippo?
Geico fire insurance, included in its homeowner’s policy, provides reliable coverage for fire damage. Similarly, Hippo provides strong protection for fire insurance claims as well, protecting your home from unforeseen fire events.
Does Geico offer mortgage insurance as part of its homeowner’s policies?
Geico doesn’t provide mortgage insurance, as lenders typically handle it. However, they offer homeowners insurance to cover the risks of property ownership, meeting lender requirements, and protecting your investment.
What is a Geico multi-line discount, and how can it benefit me?
Geico’s multi-line discount helps you stop overpaying for auto and home insurance by bundling policies, offering significant savings while keeping coverage convenient and affordable.
What coverage options are included in Hippo home contents insurance?
Hippo home contents insurance protects your personal property by offering higher replacement cost coverage, ensuring valuable belongings are fully covered in case of loss or damage.
Is Hippo pet insurance worth considering?
If you’re looking for insurance that covers more than just your home, Hippo pet insurance is worth considering due to its comprehensive coverage for pets, which can be an advantage over traditional home insurers.
What was the outcome of the Hippo insurance lawsuit?
Hippo’s role in class action lawsuits law is typically documented through public records or legal publications, providing insight into their regulatory and legal standing.
Why is Hippo insurance so cheap, and is it reliable?
Hippo Insurance can provide lower rates because it uses advanced technology to cut service times and reduce costs. It is also considered reliable insurance with a positive report on customer satisfaction and financial stability.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
