Spinnaker Insurance Company has reopened its Homeowners (HO-3) program in South Carolina, distributed through Hippo Insurance Services. The filing, submitted on October 22, 2025, and approved the same day, takes effect November 22, 2025, for new business and January 21, 2026, for renewals.

The update introduces clarifications and formatting improvements to Spinnaker’s rule manual as part of a broader nationwide effort to enhance readability and transparency. The changes remove redundant language, add explanations from rate tables, and align the program with current underwriting and operational standards.

The filing does not alter rates, coverages, or underwriting guidelines and has no impact on existing policyholders. It was prepared by Hippo’s compliance team on behalf of Spinnaker and reflects the reopening of Hippo’s homeowners program in the state.