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Hippo vs Bold Penguin

Hippo logo

Hippo

Software

Homeowners insurance reimagined

From
On request
Rated
-
Full reviewWebsite
Bold Penguin logo

Bold Penguin

Software

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Bold Penguin has a free tier, so it costs nothing to try first.
  • Each has a real cost: Hippo no premium figures are published; the site names only Basic and Enhanced coverage tiers and routes every quote through comparing personalized rates from over 70 carrier partners rather than Hippo's own underwriting; Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance
  • They diverge on capability: Hippo covers Personalized quotes, Bold Penguin covers Multi-carrier quoting.

Where they differ

Only the attributes on which Hippo and Bold Penguin actually diverge.

Attributes where Hippo and Bold Penguin differ
AttributeHippoBold Penguin
Starting priceOn requestFree
Pricing modelquotetransaction
Free tierNoYes
Founded20152019

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Hippo

  • Personalized quotes
  • Digital policy management
  • 24/7 customer support
  • Smart home integrations
  • Claims support
  • Customizable coverage
  • Instant policy changes
  • Smart home devices

Only in Bold Penguin

  • Multi-carrier quoting
  • Instant quotes
  • Online binding
  • Customer portal
  • Commission tracking
  • API access
  • Reporting
  • Multiple carriers

Both cover

  • Mobile app
  • Mobile app
  • Data encryption
  • Cloud deployment
  • Web support
  • Ios support
  • Android support
  • English language support

What people use each for

The jobs each tool is most often brought in to do.

Hippo

  • Comparing home insurance quotes across multiple carrier partnersnot Bold Penguin
  • Bundling home coverage with auto, flood, pet or landlord add on policiesnot Bold Penguin

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot Hippo
  • Automating submission to bind through the Terminal platformnot Hippo
  • Handling complex middle market submissions with SubmissionLinknot Hippo
  • Policy checking with ClauseLinknot Hippo

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Hippo

  • No premium figures are published; the site names only Basic and Enhanced coverage tiers and routes every quote through comparing personalized rates from over 70 carrier partners rather than Hippo's own underwriting

Bold Penguin

  • Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
  • Pricing is not published

Pricing, plan by plan

Hippo

On request
  • Essential$undefined/month
    • Dwelling coverage
    • Personal property
    • Liability protection

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

Which should you pick?

Choose Hippo if

  • You need personalized quotes.
  • You work on Web, Ios, Android.
  • You also want digital policy management.
Hippo review

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want instant quotes.
Bold Penguin review

Questions people ask

Is Hippo or Bold Penguin better?
Neither clearly leads. Hippo starts at On request and Bold Penguin at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hippo or Bold Penguin?
Bold Penguin has a free tier; the other does not. Paid plans start at On request for Hippo and Free for Bold Penguin.
Does Hippo or Bold Penguin run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Bold Penguin for free?
Yes. Bold Penguin has a free tier, so you can try it without paying. Hippo starts at On request.
What is Hippo best used for?
Hippo is most often used for comparing home insurance quotes across multiple carrier partners, bundling home coverage with auto, flood, pet or landlord add on policies. Of those, comparing home insurance quotes across multiple carrier partners and bundling home coverage with auto, flood, pet or landlord add on policies are not what Bold Penguin is typically brought in for.
What can Hippo do that Bold Penguin cannot?
Hippo covers Personalized quotes, Digital policy management, 24/7 customer support, Smart home integrations. Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. Both handle Mobile app, Mobile app, Data encryption, Cloud deployment.
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