Hippo vs State Farm
An honest side-by-side comparison of two of our top home insurance picks — pricing, strengths, weaknesses, and who each one is really for.
Hippo
Ranked #5 of 15 in this directory
Modern home insurance with proactive home protection and smart home sensors
State Farm
Ranked #1 of 15 in this directory
The largest home insurer in America with unmatched agent support
Our pick: State Farm. Our editors rank State Farm 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
| Hippo | State Farm | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | Standard Homeowners | Standard Homeowners |
| Editorial rank | #5 of 15 | #1 of 15 |
Strengths
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
State Farm
- ✓Largest home insurer with the most extensive agent network in the US
- ✓Excellent bundling discounts with auto, life, and other policies
- ✓Superior financial strength ratings ensuring claims reliability
- ✓Wide range of coverage options and endorsements available
- ✓Strong claims satisfaction and efficient processing
Watch out for
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
State Farm
- !Premiums can be higher than digital-first competitors
- !Online experience lags behind insurtech companies
- !Discount availability varies significantly by state
- !Some policy changes require contacting your agent directly
Best use cases
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
State Farm
- →Homeowner wanting a trusted local agent for personalized guidance
- →Family bundling home and auto insurance for maximum savings
- →Homeowner in a high-risk area needing a financially stable insurer
About each tool
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.
State Farm
State Farm is the number one home insurance provider in the United States, insuring more homes than any other company. With over 19,000 local agents, State Farm delivers personalized service and strong bundling discounts when combining home and auto policies. The company offers comprehensive homeowners, renters, and condo insurance with flexible coverage options. State Farm's claims process is well-regarded, and its financial strength ratings are among the highest in the industry, giving policyholders confidence their claims will be paid.
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