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Insurance · head to head

Hippo vs Openly

Hippo logo

Hippo

Insurance

Homeowners insurance reimagined

From
On request
Rated
-
Full reviewWebsite
Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hippo no published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances; Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hippo and Openly actually diverge.

Attributes where Hippo and Openly differ
AttributeHippoOpenly
PlatformsWeb, Ios, AndroidWeb
Founded2015Unknown

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (Insurance).

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
  • Mobile app
  • Smart home integrations
  • Claims support
  • Customizable coverage
  • Instant policy changes

Only in Openly

Nothing recorded that Hippo does not also cover.

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 Openly
  • Bundling home coverage with auto, flood, pet or landlord add on policiesnot Openly

Openly

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Hippo
  • Customizing homeowners insurance policies with specific coverage limitsnot Hippo
  • Filing and managing property damage claims through digital workflowsnot Hippo
  • Accessing insurance coverage across multiple US states through independent agentsnot Hippo

Where each one falls short

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

Hippo

  • No published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances

Openly

  • Available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Policies are not sold directly to consumers; coverage must be obtained through an independent agent, as of August 2026

Pricing, plan by plan

Hippo

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

Openly

On request

No published plan breakdown. See the Openly review.

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 Openly if

Nothing in the data separates Openly from Hippo on the points above - pick on price and on how each one feels to use.

Openly review

Questions people ask

Is Hippo or Openly better?
Neither clearly leads. Hippo starts at On request and Openly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hippo or Openly?
Hippo starts at On request and Openly at On request.
Does Hippo or Openly run on more platforms?
Hippo runs on Web, Ios, Android. Openly runs on Web.
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 Openly is typically brought in for.
What can Hippo do that Openly cannot?
Hippo covers Personalized quotes, Digital policy management, 24/7 customer support, Mobile app.

Answered from the vendors’ own pages

Hippo: What are Hippo's insurance rates?

Hippo does not publish specific premium rates on its website. The company offers personalized quotes from over 70 carrier partners and claims to provide affordable quotes in under 60 seconds. Actual pricing requires submitting your home information.

Source
Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

Source
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

Source
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