Property Underwriter

Hippo Insurance; California (MO); Hybrid; USD 120,000 - 140,000; Full time

Benefits offered by this job

Healthy Hippos Benefits

Equity

Training and Career Growth

Flexible Time Off

Little Hippos Program

Hippo Habitat

Job summary

Hippo Insurance is seeking a Property Underwriter to evaluate homeowners' policy eligibility across multiple markets in a hybrid environment. You will apply underwriting guidelines, assess risk, and collaborate with claims, billing, and support teams to ensure accurate decisions.

We require 2+ years in P&C Homeowners underwriting, a Bachelor’s degree in Finance or Business, and strong analytical skills. CA/TX market experience and wildfire underwriting are strongly preferred, with a focus on

Qualifications

• 2+ years of experience in P&C Homeowners underwriting.
• Bachelor's degree in finance, business administration, or related field, or equivalent experience.
• Strong analytical and attention to detail with high accuracy.

Responsibilities

• Underwrite new and renewal homeowners' line of business.
• Analyze risk information and recommend inspections or loss prevention as needed.
• Address queries from claims, billing, and customer support; act within authority.
• Communicate with distribution partners and leadership to resolve matters.
• Suggest improvements to underwriting processes and tools.

Skills

P&C Homeowners underwriting

Underwriting analytics

CA/TX market experience

Detail-oriented

Communication skills

Education

Bachelor's degree in Finance or Business

Tools

Microsoft Office Suite

Job description

Title: Property Underwriter

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 You:

You possess extensive knowledge of ISO homeowners' policies, supplemental products, coverages, and endorsements, and apply solid risk assessment, eligibility, coverage, and rating analysis skills on a case-by-case basis with strong attention to detail. You apply state-specific and geographic knowledge to resolve unique underwriting exposures and challenges, and have strong proficiency in technical underwriting, compliance, and products. You thrive in a fast-paced environment and are self-motivated with a drive to grow and develop within the underwriting field.

About This Role:

We are seeking a highly motivated and detail-oriented Property Underwriter to join our team. The Property Underwriter will be responsible for evaluating and assessing risk to determine homeowners' policy eligibility. This role requires strong analytical skills, attention to detail, and the ability to make sound decisions based on established guidelines and policies.

What You'll Do:

• Underwrite new and renewal homeowners' line of business.
• Analyze risk information and make specific recommendations for additional actions such as inspections, loss prevention, etc.
• Address queries from other departments, such as claims, billing, and customer support. Act within your underwriting authority and elevate issues if necessary.
• Communicate effectively with various distribution partners and leadership to resolve underwriting matters.
• Recommend improvements to the underwriting process to underwriting managers and technology counterparts.

What You Bring:

• 2+ years of experience in P&C Homeowners underwriting
• Bachelor's degree in finance, business administration, or a related field or equivalent experience
• Strong technical underwriting, analytical, and critical thinking skills.
• Excellent attention to detail and accuracy.
• Ability to work effectively in a fast-paced environment and manage multiple tasks simultaneously.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office Suite and other relevant software applications.
• Experience in underwriting in CA and TX markets strongly preferred
• Wildfire and catastrophic underwriting experience preferred

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 $120,000 - $140,000. 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.

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