---
title: 'Senior Property Homeowners Underwriter – Hippo Plus at Hippo Insurance'
canonical: 'https://feeny.ai/job/senior-property-homeowners-underwriter-hippo-plus-hippo-insurance-austin-qsvfpp71pt51'
type: 'job'
last_seen: '2026-10-16'
---

# Senior Property Homeowners Underwriter – Hippo Plus at Hippo Insurance

- **Company:** Hippo Insurance
- **Location:** Austin, TX / Dallas, TX / Morristown, NJ / San Jose, CA
- **Posted:** 2026-09-28
- **Last confirmed live:** 2026-10-16
- **Apply:** https://boards.greenhouse.io/hippo70/jobs/8852904002?gh_jid=8852904002

## Job description

Title: Senior Homeowners Underwriter - Hippo Plus

Location: Austin, TX / Dallas, TX / San Jose, CA / Morristown, NJ (Hybrid/Flexible)

Reporting to: Senior Manager, Underwriting

About Hippo:

Hippo was built on a promise: make homeownership effortless. Nearly a decade later, that mission still drives us. We use technology and data to help our customers stay ahead of problems and protect what matters most.

Today, that same tech-native approach powers our work beyond homeowners. Hippo operates as a diversified carrier platform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences. Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.

If you're energized by building what's next, we'd love to meet you.

About This Role:

We're seeking a Senior Homeowners Underwriter - Hippo Plus who brings both strong technical underwriting skills and a data-driven, big-picture mindset. In this role, you'll manage the full underwriting lifecycle for new and renewal homeowner's risks — including endorsements, reinstatements, cancellations, and non-renewals — while staying closely attuned to inspection data, loss trends, and market intelligence. You'll use these insights to recommend loss prevention actions and home maintenance interventions, recognizing that prevention is central to our overall risk strategy. Beyond day-to-day underwriting, you'll partner cross-functionally with sales, claims, customer support, and product teams to surface emerging patterns and coverage gaps.

About You:

Your analytical and critical-thinking skills are strong, and you're comfortable pulling insights together from multiple sources — inspections, claims and agent feedback.  You're curious by nature, always asking "why" a risk played out the way it did, and you're comfortable backing guideline recommendations with evidence rather than just relying on precedent. You pay close attention to detail, especially when documenting trends, assumptions, and the reasoning behind your decisions. You're adaptable too — able to balance structured underwriting discipline with the flexibility needed in a fast-paced, experimental environment.

What You'll Do:

- Underwrite new and renewal homeowner’s risks while gathering market intelligence, spotting trends in inspection data, and documenting insights for product development
- Analyze risk information and make recommendations for inspections, loss prevention actions, and home maintenance interventions—recognizing that preventive maintenance is a key lever in our loss prevention strategy
- Evaluate endorsement requests, reinstatements, cancellations, and non-renewals in accordance with underwriting guidelines
- Synthesize feedback from sales agents, customers, claims teams, and inspections to identify emerging patterns, coverage gaps, and opportunities to refine underwriting guidelines
- Propose updates to underwriting guidelines and loss prevention thresholds based on data, inspection trends, and market conditions—contributing directly to the product evolution of Hippo Plus
- Address queries from claims, billing, customer support, and product teams, acting within your underwriting authority while escalating complex or precedent-setting issues
- Communicate effectively with distribution partners, claims teams, and leadership to resolve underwriting matters and share market intelligence that informs product decisions
- Document observations and recommendations in a structured way—building an evidence base for product strategy discussions with underwriting managers and leadership

What You Bring:

- 4+ years of P&C Homeowners underwriting experience with demonstrated ability to interpret underwriting guidelines, policy language, inspection results, and supporting documentation, as well as the ability to think beyond individual risk decisions to broader patterns and trends
- Bachelor's degree in finance, business administration, or a related field, or equivalent professional experience
- Strong technical underwriting, analytical, and critical thinking skills—with particular comfort synthesizing data from multiple sources (inspections, claims, agent feedback, pricing models)
- Curiosity about the "why" behind risk outcomes; comfort making guideline recommendations based on evidence rather than precedent alone
- Attention to detail and accuracy, especially when documenting trends, assumptions, and decision rationale
- Ability to work in a fast-paced, experimental environment—balancing structured underwriting discipline with flexibility to test new approaches in a pilot product
- Excellent communication skills for both technical and non-technical audiences (underwriters, product, claims, agents)
- Proficiency in Microsoft Office and data analysis tools—including comfort with pivot tables, basic SQL, or similar tools for trend analysis

Nice to Haves:

- Preferred experience with Socorta
- Familiarity with home maintenance and loss prevention preferred
- Prior experience recommending process improvements or changes to underwriting guidelines is a strong signal

Benefits and Perks:

Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:

- Healthy Hippos Benefits - Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k)-retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)
- Equity - This position is eligible for equity compensation
- Training and Career Growth - Training and internal career growth opportunities
- Flexible Time Off - You know when and how you should recharge
- Little Hippos Program - We offer 12 weeks of parental leave for primary and secondary caregivers
- Hippo Habitat - Snacks and drinks available and catered lunches for onsite employees

The Morristown, NJ and San Jose, CA base pay range for this role is $85,000 - $120,000. Exact compensation may vary based on several job-related factors that are unique to each candidate, including but not limited to: skill set, experience, education/training, location, business needs and market demands.

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known. https://s3-us-west-2.amazonaws.com/hippo-document-prod/legal+/HIPPO-HRPrivacyNotice.pdf

## About Hippo Insurance

## Company Overview
- **One-liner**: Hippo Insurance is a technology-native insurance group that uses data, AI, and smart home technology to provide proactive, modern homeowners insurance and operates as a diversified carrier platform.
- **Entity Type**: Public (NYSE: HIPO)
- **Headquarters**: San Jose, California, United States
- **Founded**: 2015
- **Founders**: Assaf Wand, Eyal Navon

## Core Business
- **Primary Industry**: Insurance (Property & Casualty, Homeowners)
- **Target Customers**: B2C (Homeowners), B2B (Managing General Agents via carrier platform)
- **Mission Statement**: To protect what matters most and make homeownership effortless by helping customers stay ahead of problems.

## Products & Services
- **Hippo Homeowners Insurance**: A modern, data-driven home insurance policy offering enhanced coverage for computers, home office equipment, appliances, electronics, and service lines. Includes proactive home care services.
- **Smart Home Program**: Complimentary smart home devices (e.g., leak sensors) provided to policyholders to prevent damage, often paired with discounts.
- **Carrier Platform (Spinnaker Insurance Company)**: A diversified insurance platform that partners with MGAs to deliver tailored program solutions, helping them grow and improve customer experiences. Subsidiaries include Spinnaker Specialty Insurance Company and Wingsail Insurance Company.

## Market Standing
- **Market Cap**: ~$221 million (as of mid-2026)
- **Key Financial Metrics (Q1 2026)**:
    - Revenue: $122 million (+10% YoY)
    - Gross Written Premium: $332 million (+58% YoY)
    - Net Income: $7 million (vs. a Net Loss of $48 million in Q1 2025)
    - Combined Ratio: 99.5% (improved 60 points YoY)
- **Total Funding (Private)**: $1.26 billion (including a $150M Series E led by FinTLV, valuing the company at $1.5B)
- **Notable Investors/Partners**: Felicis, Lennar Corporation, Mitsui Sumitomo Insurance Company, FinTLV, and a strategic distribution partnership with Progressive and Westwood.
- **Growth Signals**: 58% GWP growth in Q1 2026, achieved profitability (Net Income positive), significant improvement in underwriting results, AI-powered transformation across claims and underwriting, and expanded distribution network.

## Competitive Advantages
- **Tech-Native Platform**: A modern, cloud-based infrastructure that enables data-driven underwriting, AI-powered claims processing, and proactive risk mitigation (smart home devices), differentiating it from legacy insurers.
- **Diversified Carrier Model**: Operates as both a direct-to-consumer insurer and a platform for other MGAs (via Spinnaker), spreading risk and creating multiple revenue streams.
- **Strategic Distribution**: Exclusive partnerships with Progressive and Westwood provide a large, tech-enabled distribution network that is difficult to replicate.
- **Proactive vs. Reactive**: Focuses on preventing claims (e.g., leak detection) rather than just paying them, leading to better loss ratios and customer satisfaction.

## Strategic Focus
- **Profitable Growth**: After years of growth-at-all-costs, Hippo is now laser-focused on underwriting profitability, as evidenced by the 60-point improvement in combined ratio to 99.5%.
- **AI Transformation**: Leveraging AI across claims, services, and underwriting to drive efficiency, support growth, and increase profitability.
- **Distribution Expansion**: Deepening partnerships with Progressive and Westwood to scale the homeowners product through multiple channels.
- **Platform Diversification**: Growing the carrier platform (Spinnaker) to reduce reliance on direct-to-consumer channels and enter new lines of business.

## Why Work Here
- **Culture**: Described as a team of "builders, problem solvers, and forward-thinkers" with values centered on ownership, innovation, collaboration, and embracing diverse ideas.
- **Hybrid Work Model**: The company operates a hybrid model, emphasizing "the best of both worlds"—in-office collaboration with the freedom to work remotely. Key hubs include San Jose, CA (HQ); Austin, TX; Dallas, TX; and Morristown, NJ.
- **Compensation & Equity**: Employees are granted RSUs (Restricted Stock Units), making them stakeholders in the company's financial success.
- **Benefits**:
    - **Health**: Competitive medical, dental, vision coverage with wellness rewards.
    - **Time Off**: Flexible paid time off.
    - **Family**: Paid parental leave and adoption assistance.
    - **Perks**: Complimentary snacks and lunches from local restaurants, birthday celebrations, holiday parties, and company outings.
    - **Learning**: Dedicated coaching and skill-building programs.
- **Engineering & Data Focus**: Strong emphasis on data, analytics, and engineering (roles like Senior Application Security Engineer, Data Governance Lead, and Actuarial Data Science Manager are prominent). The Chief Data and Analytics Officer is a key executive.
- **Workforce**: ~375 employees, with a notable presence in Poland, South Africa, Israel, and the Philippines. Employee rating on LinkedIn is 3.7/5.0.

## Sources
1. [Hippo.com Careers Page](https://www.hippo.com/careers)
2. [LinkedIn Company Profile](https://www.linkedin.com/company/hippo-insurance)
3. [Built In Profile](https://builtin.com/company/hippo-insurance)
4. [Hippo Q1 2026 Financial Results (Investor Relations)](https://investors.hippo.com/financials/quarterly-results/default.aspx)
5. [Hippo Homepage](https://www.hippo.com/)
6. [SEC Filings / Market Data (via Yahoo Finance / Google Finance)]

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