Title: Senior Property Underwriter

Location: Austin, TX

Reporting to: Senior Manager, Underwriting

About Hippo:

Hippo exists to protect the joy of homeownership. We believe that insurance should protect the things you treasure through an intuitive, modern experience. We provide tailored insurance coverage and preventative maintenance plans that keep you protected throughout your homeowner journey. We’ll also help you find coverage for everything life brings—from auto to flood—reimagining how you care for your home.

About This Role:

Hippo is hiring a highly motivated and detail-oriented Senior Underwriter to join our team. The Senior 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 escalate 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 the technology counterparts
• Decides on the most challenging referrals that aren’t clearly defined by the existing guidelines where critical underwriting judgement and knowledge is key
• Develops underwriting job aids, resources, training, and tools to support consistency in underwriting team practices and execution
• Observes and communicates underwriting trends and recommendations to the leadership team
• Reviews underwriter delegated authority level requests

About You:

• Possess extensive knowledge of ISO homeowners’ policies, various supplemental products, coverages, and endorsements
• Applies advanced risk assessment, eligibility, coverage, and rating analysis skills on a case-by-case basis to contribute to profitable growth
• Relies on underwriting expertise and analysis to identify underwriting trends
• Applies state-specific/geographic knowledge and exposure understanding to resolve unique underwriting exposures or challenges
• Knowledge and proficiency with technical issues, compliance, coverage, and products
• Adaptability to changes in a high-paced environment
• Self-motivated with the ability to inspire and motivate others

Must Haves:

• 3+ years of experience in P&C Homeowners underwriting
• 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
• Bachelor's degree in finance, business administration, or a related field or equivalent experience

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

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.