Senior Property Underwriter

Hippo Insurance•Austin, TX

8h•Hybrid

About The Position

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. You possess extensive knowledge of ISO homeowners' policies, supplemental products, coverages, and endorsements, and apply advanced risk assessment, eligibility, coverage, and rating analysis skills on a case-by-case basis to contribute to profitable growth. You rely on your underwriting expertise to identify emerging trends and apply state-specific and geographic knowledge to resolve unique exposures and challenges. You have strong proficiency in technical underwriting, compliance, and products, thrive in a fast-paced environment, and have a natural ability to inspire and motivate those around you. We are seeking 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, while also serving as a key resource for underwriting guidance and team development. This role requires advanced analytical skills, deep technical expertise, and the ability to lead by example.

Requirements

4+ 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.

Nice To Haves

Experience in underwriting in CA and TX markets strongly preferred
Wildfire and catastrophic underwriting experience preferred
Demonstrated ability to mentor or guide others in underwriting best practices.

Responsibilities

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 technology counterparts.
Decide on the most challenging referrals that aren't clearly defined by existing guidelines where critical underwriting judgment and knowledge is key.
Develop underwriting job aids, resources, training, and tools to support consistency in underwriting team practices and execution.
Observe and communicate underwriting trends and recommendations to the leadership team.
Review underwriter delegated authority level requests.

Benefits

Multiple medical plans to choose from
100% employer covered dental & vision plans for our team members and their families
401(k)-retirement plan
Short & long-term disability
Employer-paid life insurance
Flexible Spending Accounts (FSA) for health and dependent care
Employee Assistance Program (EAP)
Equity compensation
Training and internal career growth opportunities
Flexible Time Off
12 weeks of parental leave for primary and secondary caregivers
Snacks and drinks available
Catered lunches for onsite employees