Homeowners

Our Homeowners 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


  • Alabama
  • Arizona
  • California
  • Connecticut
  • Colorado
  • Georgia
  • Indiana
  • Maryland
  • Minnesota
  • Missouri
  • Mississippi
  • New Mexico
  • Nevada
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Wisconsin




Eligibility Overview


The following risks are eligible for Hippo's HO3 program

  • Minimum & Maximum Coverage Limits:
    • Coverage A Minimum: $30,000*
    • Coverage A Maximum: $1,250,000
  • One, two, three or four family dwellings for HO3 policies
  • Must be primary residence occupied by the 1st named insured on the policy.
  • Windstorm, Mine and Sinkhole coverage is offered (when required)
  • Roof must be in acceptable condition.
  • Secondary/Seasonal homes
*Minimum 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 60 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. 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, homes that are cantilevered or built on stilts. For more information on unacceptable risk types, See appetite guides below for more information.




Fire Line Wild Fire Risk Score


ISO Fireline score is used to measure a premises threat from a wildfire loss. The scoring calculation considers the hazards of fuel, slope, road access, and proximity to potential heat and wind-borne embers.
The Fireline score is determined at new business and updated on renewal. At risk homes, those with scores 2-30 are currently ineligible for new business. Homes with a score of 2 that meet other eligibility criteria may be referred to Underwriting for consideration.





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Downloadable Documents

Alabama

HO3

Georgia

 HO3

Mississippi

 HO3

Ohio

HO3

Texas

HO3

Arizona

HO3

Indiana

 HO3

California

HO3 

Maryland

HO3

Colorado

HO3

Minnesota

HO3

Missouri

HO3

Nevada

HO3

New Mexico

HO3

Pennsylvania

 HO3

South Carolina

 HO3

Tennessee

HO3

Utah

HO3

Wisconsin

HO3

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