# Hippo

**Canonical:** https://apis.io/providers/hippo-com/  
**Website:** https://www.hippo.com  
**APIs profiled:** 0

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.

## Kin Score — 7.5 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 7.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 7.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Insurance**: 16.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Hippo Com Domain Security** — TLSv1.3 · HSTS · DMARC
- **Hippo Com Trust Center** — SOC 2, CSA STAR

## Tags

Insurance, Home Insurance, Homeowners Insurance, Smart Home, Insurtech, Property Insurance, Condo Insurance, Landlord Insurance, Flood Insurance, MGA, Carrier, Claims, Underwriting, Mobile App, Consumer

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/hippo-com/). Scores are computed from the provider's own public artifacts under a published rubric.