Allstate vs Hippo
An honest side-by-side comparison of two of our top home insurance picks — pricing, strengths, weaknesses, and who each one is really for.
Allstate
Ranked #2 of 15 in this directory
Comprehensive home insurance with claim-free rewards and flexible options
Hippo
Ranked #5 of 15 in this directory
Modern home insurance with proactive home protection and smart home sensors
Our pick: Allstate. Our editors rank Allstate higher overall in Home Insurance — but Hippo can be the better fit depending on your budget and use case below. How we review
Compare the details
| Allstate | Hippo | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | Standard Homeowners | Standard Homeowners |
| Editorial rank | #2 of 15 | #5 of 15 |
Strengths
Allstate
- ✓Claim-free rewards pay you back each year without a claim
- ✓HostAdvantage coverage for Airbnb and home-sharing hosts
- ✓Wide variety of optional coverages and endorsements
- ✓Both local agent and digital self-service options
- ✓Strong brand with decades of home insurance experience
Hippo
- ✓Free smart home sensors for leak, fire, and temperature monitoring
- ✓Covers home office equipment and modern electronics by default
- ✓Proactive approach helps prevent claims before they happen
- ✓Fast online quoting process using property data
- ✓Up to 25% savings compared to traditional home insurance
Watch out for
Allstate
- !Rates tend to be above average in many markets
- !Claims satisfaction ratings are mixed compared to top competitors
- !Some desirable features require additional riders at extra cost
- !Discount structures can be complex and hard to navigate
Hippo
- !Not available in all states
- !Relatively newer company with less track record than established insurers
- !Claims are often serviced by partner carriers, not Hippo directly
- !Smart home kit requires setup and Wi-Fi connectivity
Best use cases
Allstate
- →Homeowner who rarely files claims and wants to earn rewards
- →Airbnb host needing specialized home-sharing coverage
- →Customer wanting a blend of agent support and digital convenience
Hippo
- →Homeowner wanting proactive protection with smart home monitoring
- →Remote worker needing home office equipment coverage included
- →Tech-forward homeowner looking for modern, comprehensive coverage
About each tool
Allstate
Allstate is one of the largest home insurers in the country, offering a broad range of homeowners, renters, and condo policies. The company stands out with its claim-free rewards program that provides a check every year you go without filing a claim. Allstate also offers HostAdvantage coverage for home-sharing hosts and a variety of optional coverages like identity theft restoration and water backup protection. The combination of local agents and a solid digital platform gives customers flexibility in how they manage their policies.
Hippo
Hippo takes a proactive approach to home insurance by providing smart home devices and monitoring to help prevent claims before they happen. The company offers comprehensive homeowners coverage that includes protection for home offices and modern belongings that traditional policies often exclude. Hippo uses data analytics to streamline the quoting process and provides free smart home kits to policyholders for leak and fire detection.
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