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Hippo vs. Quotewizard

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Hippo vs. Quotewizard
BestMoney Staff
Bestmoney Staff
May. 28, 20212 min read
Since breaking into the Home Insurance market, both Hippo and QuoteWizard have been impressing customers and keeping homes tidy and secure. Each company has an array of coverage options available, with some key differences.

QuoteWizard is not a direct insurance company, rather, it will pair you with quotes from a variety of providers to help find the one that’s right for your home. Hippo is a modern insurance provider offering packages suited to today’s homeowner, including home office coverages and more. Each one has its pros and cons. We’ll break down the details for you so you can decide what’s best for your home-base.


HippoQuoteWizard
Quote in...60 seconds~ 5 minutes
24/7 helpYesYes
Discounts availableEarly signing, new home, home security system, no claims for 10 years, and moreBundling, burglar alarms, deadbolt locks, smoke detectors, auto pay, and more
Financial stability ratingA- (A.M. Best) A+ BBB rating
Additional coverage optionsEarthquake, flood, wind (in TX), investment properties (CA, AZ, NM)Personal property & valuable items rider, identity theft, flood, condo and more

1. What’s Included? 

QuoteWizard

Because QuoteWizard isn’t a direct insurance provider but rather an insurance search tool, you can get coverage quotes from a range of providers. This means that while it doesn’t actually cover anything directly, it includes a huge range of insurance plans competing for your business. There’s home insurance, renters insurance, and even auto, health and life insurance policies to choose from. Home insurance plans include personal property damage, personal liability coverage and more, across every state. Once you submit your personal information and some details about your home, QuoteWizard runs your information through its database and then delivers rate quotes from real providers based on your location, home, financial standing, and more. 

Hippo

Hippo’s insurance coverage takes a traditional homeowners policies and enhances them for a modern homeowner, with extra coverages for things like home offices and electronic equipment. Coverage includes:

  • Your home and structures on your property
  • Some belongings inside your home
  • Liability coverages if a guest, employee or domestic helper is injured on your property
  • Home office equipment and computers
  • Appliances and electronics (TVs, water heaters, HVAC equipment, etc)
  • Water backup
  • Service line for gas, water and sewage
  • Full replacement costs for certain items (not it’s estimated value based on age)
  • Increased costs from local laws or regulations
  • Free smart home protection

You can also get additional coverage for earthquakes, floors, wind damage, multiple properties and investment properties (in some states). 

Winner: QuoteWizard

Though Hippo has great insurance plans, QuoteWizard’s near-unlimited array of options just can’t be beaten. QuoteWizard also offers plans for renters, making it automatically a more inclusive option for those looking for renters insurance who don’t own a home. Homeowners can benefit too, by comparing quotes and choosing the one with the most coverage for their home. 

2. Application Process

QuoteWizard

The application process on QuoteWizard will give you rate quotes–not actual coverage. That said, it’s super simple and easily laid out, giving you quotes in less than 5 minutes. There’s a state-by-state rate estimator, so you can have an idea what to expect before even submitting your information for a quote. There’s also a library of educational resources, so if you’re not yet ready to apply, you can still explore options, learn terms, and understand policy details. The 5-minute application means you won’t waste any time at all. The combination of the application being so quick, and collecting information on behalf of several insurance providers, makes QuoteWizard’s application easy as pie.

Hippo

All Hippo’s application requires is filling out a few details, such as your home address and ownership status, among others. The process is one of the industry’s fastest, taking less than 60 seconds. Hippo takes the information you provide and does the rest, pulling up public data about the home’s square footage, roof, age, and construction types. You can apply online or by phone, but only if you live in the following states: AL, AZ, CA, CO, IL, IN, MD, MN, MS, MO, NV, NM, OH, PA, TN, TX, WI. Hippo hasn’t made it to the rest of the country yet, but more states are constantly being added. 

Winner:  Hippo

Though QuoteWizard has a smooth application and connects applicants with many insurers, Hippo’s 60 second quotes just can’t be beat. If you’re in one of the states Hippo won’t cover, QuoteWizard can still get you started! 

3. Discounts

QuoteWizard

QuoteWizard itself is a completely fee-free service allowing you to search through insurance companies and plans to find the right one for you. It doesn’t offer any discounts itself, however the partner companies that QuoteWizard works with offer discounts for nearly everything you can think of. Some of them include:

  • Multiple vehicles
  • Safe drivers
  • Anti-theft
  • Homeowners
  • Student 
  • Seniors 
  • Bundled policy
  • Group savings
  • Full payment
  • Automatic payment

You will have to check with the insurance provider you choose in order to know exactly which discounts you qualify for. 

Hippo

Hippo has several discounts available for homeowners. The basic plans also cover a fair amount of extras, so you definitely get a lot of value for your money. 

You can get cheaper rates if you qualify for the following: 

  • Early signing (before your old insurance ends)
  • New home purchase
  • Mortgage-free discounts
  • No claims in 10 years
  • Home security system from Comcast Xfinity


Winner: QuoteWizard

With QuoteWizard, you can basically access any discount available. Because its partner companies range across the home insurance playing-field, you’re bound to find discounts that overlap with your home and lifestyle. Hippo covers plenty of great homeowner discounts too, but the unlimited selection from QuoteWizard brings them ahead in this category. 

Overall Winner: QuoteWizard

QuoteWizard is our winner in 2 out of 3 categories. As a direct insurance provider, Hippo has many features, but can’t compete with the range of insurance options, coverage and discounts that you can find on QuoteWizard’s site. Hippo has a fast application but doesn’t cover renters. QuoteWizard is an easy way to compare options, allowing you to get a favorable offer for the right insurance for your home. 

QuoteWizard QuoteWizard View Rates

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BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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