Updated September 28, 2026 · AssureCue Editorial Team
Hippo vs helden.de
Hippo
helden.de
Higher score in this comparison
Where Hippo and helden.de differ
| Compare | HippoReviewSee alternativesSee alternatives | helden.deReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | $765 to $2,224 | €3.52 |
| Insurance types | Home, Auto, Pet, LandlordCovers more | Home, Pet |
| Claims channels | Phone, Email, App | Online claim form, Email, Phone, AppCovers more |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €150 |
| Cover limit | Not confirmed | Up to 50 million EUR sum insured (Privathaftpflicht) |
Same on both: Provider type (Broker).
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Key differences
- helden.de scores higher overall: 8.9 vs 8.6.
- Insurance types: only Hippo offers Auto, Landlord.
- Claims channels: only helden.de offers Online claim form.
- Support channels: only helden.de offers Chat, Community.
Our verdict on each
Hippo
Hippo suits US households and landlords who want one broker to place cover across home, auto, pet and landlord policies and file claims by app. Annual premiums run $765 to $2,224, so buyers on a tight budget should weigh the cheaper entry points first.
helden.de
helden.de suits German households that want home and pet cover arranged through a single monthly account, with claims handled in the app. Premiums start at €3.52 against a home ranking median of €8.50, and the cost score of 4.8 puts it among the cheaper listings here.
Score breakdown
| Area | Hippo | helden.de |
|---|---|---|
| Cost | 8.0Home premiums start at $765 to $2,224, above €0 on the site, and Hippo sits at 248 of 252. | 9.0HigherEntry premium of €3.52 sits well below the home median €8.50, and monthly payments keep the monthly outlay small. |
| Offer | 9.1 | 9.4Higher |
| Trust | 8.8Higher | 8.6 |
How they place
| Ranking | Hippo | helden.de |
|---|---|---|
| Home insurance | 247 of 273 | 203 of 273 |
| Pet insurance | 155 of 167 | 116 of 167 |
Every fact side by side
| Fact | Hippo | helden.de |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Hippo Analytics Inc. d/b/a "Hippo Insurance Services" | helden.de GmbH |
| Headquarters | United States | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, Chat, CommunityCovers more |
Where each stands against the rest
| Fact | Hippo | helden.de | Median |
|---|---|---|---|
| Excess from | Not confirmed | €150above the median | €50 |
Median across 71 listed insurance providers.
Pros and cons
Hippo
Pros
- One broker places home, auto and pet, so a household can bundle policies in a single place
- Claims run on phone, email and app, giving a choice of routes when a loss happens
- Licensed in the US by the California Department of Insurance and the Texas Department of Insurance
Cons
- Premiums start at $765 to $2,224, well above the €0 entry point on the site
- Hippo is a broker rather than the insurer, so cover is placed with a partner carrier
- Cover is limited to home, auto and pet, with no travel, life or health lines
helden.de
Pros
- Home and pet cover sit in the same account and monthly payments are offered, so a single monthly premium covers the household home and pet.
- Claims can be filed through an online claim form, email, phone or the app online claim form, email and phone.
- Personal liability cover carries a sum insured of Up to 50 million EUR sum insured (Privathaftpflicht) with an excess starting at €150.
Cons
- Cover runs to home and pet only home and pet, so travel, health or auto needs a different provider.
- helden.de works as a broker broker rather than carrying the risk itself.
- Monthly is the only payment model monthly, so there is no annual option and no saving for paying in one go.
Who each suits
Hippo
Who it suits
- US households insuring more than one property or vehicle
- Landlords needing a home, auto and pet policy alongside contents cover
- Pet owners who want pet cover quoted through the same broker as the home
Who should look elsewhere
- Buyers on a strict budget, who should compare the €0 entry point first
- People wanting travel, life or health cover alongside the home, since home, auto and pet stops at home, auto, pet and landlord
- Anyone who prefers to deal directly with an insurer, as Hippo is a broker
helden.de
Who it suits
- Households already holding both home and pet cover home and pet.
- People who would rather report a claim in the app online claim form, email and phone than post a form.
- Buyers watching the monthly outlay, since the entry premium sits under the home ranking median of €8.50.
Who should look elsewhere
- Hiscox UK, whose range covers home, renters, landlord, auto and home emergency home, renters and landlord but not pet cover.
- Good Sam Insurance Agency, which adds life, health, travel and motorcycle to its home and pet lines auto, home and renters.
- Euroasia Insurance, priced on another market from UZS 60,000, so it is a second reading rather than a swap.
Current offers
Hippo
Current offer
Discount code
Home Buyer Discount
Purchased your home within the last 12 months; discount may apply to a new or renewed policy, eligibility varies by location and policy
Source, checked September 26, 2026
helden.de
Current offer
Discount code
General Helden Code HELD5: 1/12 of the annual premium off permanently
Code entered in the price step during online checkout; applies to all helden.de products; maximum 2 Helden Codes per contract; discount lasts for the whole contract term
Source, checked September 26, 2026
Country by country
| Country | Hippo | helden.de |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
Hippo
What does Hippo cost for home insurance?+
Annual home premiums from Hippo are listed at $765 to $2,224 in USD, which covers the range the broker quotes across its carriers. That starting point sits well above €0 and above the site median of €8.37, so budget matters here.
Is Hippo an insurer or a broker?+
Hippo is a broker, not the carrier itself, so policies are placed with partner insurers on your behalf. The trading entity is Hippo Analytics Inc. d/b/a "Hippo Insurance Services", based in the US, which matters if you want to know who sits behind the quote.
helden.de
What does cover cost to start?+
Premiums start at €3.52 for the entry product, well under the home ranking median of €8.50. Because monthly is the only payment model monthly, the outlay each month stays small instead of committing to a yearly sum.
Can home and pet sit in one account?+
The range runs to home and pet home and pet, and monthly payments are offered, so both can be held in one place. That suits households who would rather pay a single monthly bill than hold separate arrangements with separate providers.
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Hippo
helden.de