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Salary: USD 85,000 - 120,000 / annual
Hippo is seeking a Senior Homeowners Underwriter to manage the full underwriting lifecycle for new and renewal homeowner's risks under the Hippo Plus product. You will evaluate endorsements, reinstatements, cancellations, and non-renewals while leveraging inspection data, loss trends, and market intelligence to inform underwriting decisions and loss prevention strategies.
In this role, you will analyze risk information and recommend inspections, loss prevention actions, and home maintenance interventions—recognizing that preventive maintenance is central to Hippo's overall risk strategy. You'll synthesize feedback from sales agents, customers, claims teams, and inspection data to identify emerging patterns and coverage gaps, then propose updates to underwriting guidelines and loss prevention thresholds based on evidence and market conditions. You'll partner cross-functionally with sales, claims, customer support, and product teams to surface insights that inform product evolution.
You will address queries from claims, billing, customer support, and product teams, acting within your underwriting authority while escalating complex or precedent-setting issues. You'll communicate effectively with distribution partners, claims teams, and leadership to resolve underwriting matters and share market intelligence. Documentation of observations and recommendations in a structured way will build an evidence base for product strategy discussions with underwriting managers and leadership.
Reporting to the Senior Manager of Underwriting, you'll work in a fast-paced, experimental environment where you balance structured underwriting discipline with flexibility to test new approaches in a pilot product.
REQUIREMENTS:
- 4+ years of P&C Homeowners underwriting experience with demonstrated ability to interpret underwriting guidelines, policy language, inspection results, and supporting documentation
- Ability to think beyond individual risk decisions to identify broader patterns and trends
- Bachelor's degree in finance, business administration, or related field, or equivalent professional experience
- Strong technical underwriting, analytical, and critical thinking skills
- 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
- Attention to detail and accuracy when documenting trends, assumptions, and decision rationale
- Ability to work in a fast-paced, experimental environment
- Excellent communication skills for both technical and non-technical audiences
- Proficiency in Microsoft Office and data analysis tools (pivot tables, basic SQL, or similar)
NICE TO HAVES:
- Experience with Socorta
- Familiarity with home maintenance and loss prevention
- Prior experience recommending process improvements or changes to underwriting guidelines
