Condominium

Our Condominium program is offered exclusively through Hippo.

  • Admitted

  • A.M. Best Rating: A-

  • Carrier: Spinnaker Insurance Company & Topa Insurance Company (carrier varies by state)

  • Renewals: Automatic

  • Direct Bill

States Available


  • California
  • Colorado
  • Connecticut
  • Georgia
  • South Carolina
  • Utah




Eligibility Overview


The following risks are eligibile for Hippo's HO6 program

  • Minimum & Maximum Coverage Limits:
    • Coverage A Minimum: $5,000*
    • Coverage A Maximum: $1,250,000*
  • Must be primary residence occupied by the 1st named insured on the policy
  • Windstorm and Earthquake coverage is offered (when required)
  • Secondary/Seasonal homes
*Minimum and maximum coverage limits vary per state. For more information on eligibility, see appetite guides below for more information.




Coastal Restrictions


Coastal restrictions vary by state and eligibility. See appetite guides below for more information.




Unacceptable Risks


Include but not limited to: Prior Loss History: has more than 4 losses in the past 5 years or more than 3 losses in the past 3 years, has more than 1 fire loss, more than 1 water loss, 1 liability or 1 theft loss in the past 5 years. Vacant & Unoccupied Dwellings: Dwellings that have been vacant for more than 30 days or dwellings that is unoccupied. Roofing: Roof age is greater than 25 years and the roof type is not slate, tile, hail resistant or metal. Condos with 3 or or more mortgages Lease or Rental agreements that are less than 3 months Single family dwelling that is occupied by more than 1 family or 2 roomers or boarders. Mobile homes, trailer homes, house trailers, manufactured homes, homes built over water, log homes, condos that are cantilevered or built on stilts. For more information on unacceptable risk types, See appetite guides below for more information.





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Downloadable Documents

California

HO6

Colorado

HO6

Georgia

HO6

South Carolina

HO6

Utah

HO6

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