Senior Property Homeowners Underwriter – Plus

Austin, Texas, United States;
Dallas, Texas, United States;
Morristown, New Jersey, United States;
San Jose, California, United States

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 home ownership 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…