Hippo Homeowners Insurance vs. Guardian Level Term
Side-by-side comparison · Updated 2026 · Independently reviewed
Hippo Homeowners Insurance
Hippo Insurance
4.1
Modern home-first coverage. Free smart home sensors. 2x electronics coverage.
Full review →Guardian Level Term
Guardian Life
4.4
Level term with strong disability rider options. Mutual insurer focus on protection.
Full review →WealthSpott Verdict
Guardian Level Term wins on more measurable categories. Hippo Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Hippo Homeowners Insurance
Guardian Level Term
WealthSpott Rating
4.1 / 5
4.4 / 5 Best
Coverage Type
Home Insurance
Life Insurance
Avg Annual Premium
—
—
AM Best Rating
A
—
J.D. Power Score
—
—
Mobile App Rating
—
—
Hippo Homeowners Insurance
Guardian Level Term
Not sure which insurer is right for you?
Browse all insurance