Homeowners Insurance Market Opportunity
Total Written
Premium1
Highly recurring and predictable
Unaffected by short-term fluctuations
in loss ratio
Key metrics
& performance
indicators
Premium
Renewal Rate
Loss Ratio
Important driver of future Total Written
Premium and customer lifetime value
Driver of long-term profitability
Improves with cohort tenure and becomes
less volatile as we scale and diversify
geographically
Adjusted
Gross Profit
Source of capital for business operations
Neutralizes for carrier/channel mix and
reinsurance structure
1.
Total Written Premium represents the Gross Written Premium of policies underwritten by Hippo and
its affiliates plus the premium of policies placed with third-party insurance carriers where Hippo
earns a recurring commission payment.
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