Hippo is a US homeowners insurance carrier headquartered in Palo Alto, California, operating as the insurance subsidiary of Hippo Holdings Inc. (NYSE: HIPO). Founded in 2015, Hippo modernizes home insurance with instant online quotes — typically under sixty seconds — and a smart home oriented approach that pairs policies with proactive home maintenance guidance through the Hippo Home mobile app, DIY checklists, home health scoring, and partnerships with smart device makers. The company writes homeowners, condo, landlord, flood, auto, and pet policies and operates as both a direct-to-consumer brand and an MGA distributing through a network of 70+ carrier partners, including Bamboo, Stillwater, Nationwide, American Integrity, Liberty Mutual, and Progressive. Hippo's underwriting capacity is anchored by its wholly-owned admitted carrier, Spinnaker Insurance Company, acquired in 2020. Hippo serves 500K+ homeowners across the United States, with concentrated presence in Texas, California, Arizona, Colorado, Missouri, Ohio, South Carolina, Tennessee, and Virginia. There is no publicly documented developer API, SDK, or open-source release for Hippo or Spinnaker; the GitHub organization hippoinsurance exists but has no public repositories, and the api.hippo.com hostname is not exposed to the public internet. Integrations with smart home device partners, agents, and MGA carriers are handled through private partner channels rather than an open developer program.
Hippo is listed with 2 APIs on the APIs.io network. Tagged areas include Insurance, Home Insurance, Smart Home, Insurtech, and Property Insurance.
Hippo’s developer surface includes engineering blog, FAQ, legal docs, GitHub presence, and 29 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Insurance regime, so
Regulatory Posture carries 15 points of the composite.
If this regime is wrong for your business, say so on your
provider repo — the
applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for
this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero:
never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and
several others — scorable at all.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
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Agent readiness — checks not met, largest first (exact, from this profile):
Machine-Readable Auth+10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency+9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics+8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
12 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
The Kin Score Market layer reads a provider inside its market:
its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted:
not part of the Kin Score or agent readiness.
Registered MCP server and declares compatibility are report only — not weighted.
Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Individual APIs this provider publishes. MODELED: a real API behind a partner or contract gate; there is no public reference, so API Evangelist drew its shape. NOT AN API: a product area with no API behind it, not counted.
Direct-to-consumer homeowners quote, bind, and policy management. Quotes delivered in under 60 seconds. No public API; carrier partnerships are managed via First Connect.
Hippo Home is the consumer smart-home companion app for iOS and Android. Provides DIY maintenance checklists, seasonal guidance, and a home health score. No public API; integrat...
First Connect, a Hippo subsidiary, is an API-first digital platform giving independent agents one-stop access to 100+ home, auto, cyber, small business, life, and specialty carr...
Spinnaker is Hippo's affiliated specialty admitted carrier providing paper for MGAs and program administrators. Integrations are sales-led.
Hippo API pricing
Not yet checked against Hippo's own pricing page. Compiled by API Evangelist on 2026-05-22; confirm before you rely on a figure. A free plan or tier is listed.
aid: hippo-com
name: Hippo
description: 'Hippo is a US homeowners insurance carrier headquartered in Palo Alto, California, operating as the insurance
subsidiary of Hippo Holdings Inc. (NYSE: HIPO). Founded in 2015, Hippo modernizes home insurance with instant online quotes
— typically under sixty seconds — and a smart home oriented approach that pairs policies with proactive home maintenance
guidance through the Hippo Home mobile app, DIY checklists, home health scoring, and partnerships with smart device makers.
The company writes homeowners, condo, landlord, flood, auto, and pet policies and operates as both a direct-to-consumer
brand and an MGA distributing through a network of 70+ carrier partners, including Bamboo, Stillwater, Nationwide, American
Integrity, Liberty Mutual, and Progressive. Hippo''s underwriting capacity is anchored by its wholly-owned admitted carrier,
Spinnaker Insurance Company, acquired in 2020. Hippo serves 500K+ homeowners across the United States, with concentrated
presence in Texas, California, Arizona, Colorado, Missouri, Ohio, South Carolina, Tennessee, and Virginia. There is no publicly
documented developer API, SDK, or open-source release for Hippo or Spinnaker; the GitHub organization hippoinsurance exists
but has no public repositories, and the api.hippo.com hostname is not exposed to the public internet. Integrations with
smart home device partners, agents, and MGA carriers are handled through private partner channels rather than an open developer
program.'
type: Index
deliveryModel:
model: unknown
open_source: false
commercial: false
callable_host: false
label: Delivery model not determined — needs a product licence on record
confidence: low
source:
- none
generated: '2026-08-28'
method: derived
accessModel:
pricing: free
onboarding: unknown
trial: false
try_now: false
public: false
label: Free
confidence: low
source:
- plans
- security
generated: '2026-11-06'
method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/hippo-com.png
tags:
- Insurance
- Home Insurance
- Smart Home
- Insurtech
- Property Insurance
- Condo Insurance
- Landlord Insurance
- Flood Insurance
- MGA
- Carrier
- Claims
- Underwriting
- Mobile App
- Consumer
- Property and Casualty
tags_raw:
- Insurance
- Home Insurance
- Homeowners Insurance
- Smart Home
- Insurtech
- Property Insurance
- Condo Insurance
- Landlord Insurance
- Flood Insurance
- MGA
- Carrier
- Claims
- Underwriting
- Mobile App
- Consumer
- Property and Casualty
url: https://raw.githubusercontent.com/api-evangelist/hippo-com/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-08-08'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
common:
- type: Compliance
url: https://trust.hippo.com/
- type: TrustCenter
url: security/hippo-com-trust-center.yml
- type: DomainSecurity
url: security/hippo-com-domain-security.yml
- type: Website
url: https://www.hippo.com
- type: Quote
url: https://www.hippo.com
- type: Claims
url: https://www.hippo.com/claim
- type: Account
url: https://myhippo.com/account
- type: Agents
url: https://www.hippo.com/agents
- type: LearnCenter
url: https://www.hippo.com/learn-center
- type: Blog
url: https://www.hippo.com/blog
- type: FAQ
url: https://faq.hippo.com/en/
- type: Contact
url: https://www.hippo.com/contact-us
- type: Careers
url: https://www.hippo.com/careers
- type: Legal
url: https://www.hippo.com/legal-information
- type: Security
url: https://trust.hippo.com
- type: Investors
url: https://investors.hippoholdings.com
- type: Spinnaker
url: https://www.spinnakerins.com
- type: GitHub
url: https://github.com/hippoinsurance
- type: LinkedIn
url: https://www.linkedin.com/company/hippo-insurance
- type: Twitter
url: https://twitter.com/HippoInsurance
- type: Facebook
url: https://www.facebook.com/HippoInsurance
- type: Homeowners
url: https://www.hippo.com/homeowners-insurance
- type: Auto
url: https://www.hippo.com/auto-insurance
- type: Flood
url: https://www.hippo.com/flood-insurance
- type: Pet
url: https://www.hippo.com/pet-insurance
- type: Landlord
url: https://www.hippo.com/landlord-insurance
- type: HippoHomeApp
url: https://www.hippo.com/hippo-home-app
- type: About
url: https://www.hippo.com/about-us
- type: FirstConnect
url: https://www.firstconnectinsurance.com
- type: Newsroom
url: https://investors.hippo.com/news-releases
- type: Plans
url: plans/hippo-com-plans-pricing.yml
x-moved-from: hippo-insurance (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
- type: RateLimits
url: rate-limits/hippo-com-rate-limits.yml
x-moved-from: hippo-insurance (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
- type: FinOps
url: finops/hippo-com-finops.yml
x-moved-from: hippo-insurance (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
apis:
- aid: hippo-com:hippo-consumer
x-published: false
name: Hippo Consumer Quote & Bind
description: Direct-to-consumer homeowners quote, bind, and policy management. Quotes delivered in under 60 seconds. No
public API; carrier partnerships are managed via First Connect.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
humanURL: https://www.hippo.com/
tags:
- Consumer
- Quotes
- Bind
- Homeowners
tags_raw:
- Consumer
- Quote
- Bind
- Homeowners
properties:
- type: ProductPage
url: https://www.hippo.com/
- type: HippoPlus
url: https://www.hippo.com/hippo-plus
- type: Landlord
url: https://www.hippo.com/landlord-insurance
- type: LearnCenter
url: https://www.hippo.com/learn-center
- type: FAQ
url: https://faq.hippo.com/en/
x-moved-from: hippo-insurance:hippo-consumer (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
- aid: hippo-com:hippo-home
x-published: false
name: Hippo Home App
description: Hippo Home is the consumer smart-home companion app for iOS and Android. Provides DIY maintenance checklists,
seasonal guidance, and a home health score. No public API; integrations are sales-led.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
humanURL: https://www.hippo.com/
tags:
- Mobile
- Smart Home
- Maintenance
- Consumer
properties:
- type: ProductPage
url: https://www.hippo.com/
x-moved-from: hippo-insurance:hippo-home (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
- aid: hippo-com:first-connect
name: First Connect (Independent Agent Platform)
description: First Connect, a Hippo subsidiary, is an API-first digital platform giving independent agents one-stop access
to 100+ home, auto, cyber, small business, life, and specialty carriers and MGAs. The portal bridges to carrier APIs for
quote and bind in as few keystrokes as possible. Access is gated; commercial terms are agent commission split, zero access
fees.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
humanURL: https://www.firstconnectinsurance.com/
baseURL: https://portal.firstconnectinsurance.com
tags:
- Agents
- Portal
- Quotes
- Bind
- Carrier Network
tags_raw:
- Agents
- Portal
- API
- Quote
- Bind
- Carrier Network
properties:
- type: ProductPage
url: https://www.firstconnectinsurance.com/
- type: AgentPortal
url: https://portal.firstconnectinsurance.com/
- type: HippoCarrierPage
url: https://www.firstconnectinsurance.com/carriers/hippo/
- type: CarrierSearch
url: https://www.firstconnectinsurance.com/carrier-search/
- type: HippoAgentInfo
url: https://www.hippo.com/agents
- type: AgentApplication
url: https://info.firstconnectinsurance.com/get-hippo
x-moved-from: hippo-insurance:first-connect (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
- aid: hippo-com:spinnaker
name: Spinnaker Insurance (MGA Carrier Paper)
description: Spinnaker is Hippo's affiliated specialty admitted carrier providing paper for MGAs and program administrators.
Integrations are sales-led.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
humanURL: https://spinnakerins.com/
baseURL: https://spinnakerins.com
tags:
- MGA
- Carrier
- Specialty
- B2B
properties:
- type: ProductPage
url: https://spinnakerins.com/
x-moved-from: hippo-insurance:spinnaker (consolidated into hippo-com 2026-10-13, approved by Kin Lane)
x-merged-from:
- hippo
Hippo API — frequently asked questions
Does Hippo have an API?
Yes. APIs.io lists 4 APIs from Hippo, including Hippo Consumer Quote & Bind, Hippo Home App and First Connect (Independent Agent Platform), and 1 more.
How much does the Hippo API cost?
APIs.io lists 1 pricing plan for Hippo, with each plan's price, limits and inclusions under Pricing on this page.
Is the Hippo API ready for AI agents?
Hippo has a Kin Score of 11.6 out of 100 (emerging) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-06.
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