Spinnaker Insurance Company, through program administrator Hippo Insurance Services, has filed a rule update in Georgia for its HO-5 homeowners program aimed at improving accessibility to personal property replacement cost coverage. Submitted on December 4, 2025, the changes take effect for new business on January 19, 2026, and renewals on March 25, 2026, with no impact to rates or written premium.

The filing reduces the minimum Coverage C threshold required to purchase Personal Property Replacement Cost from prior levels to 50% for one- and two-family dwellings.

The program continues to lean heavily on smart home technology as a differentiator, offering premium rewards for professionally or self-monitored fire and theft alarms, as well as water leak detection devices. It also maintains Hippo’s “DIY Inspection” option, which waives the $30 inspection fee when insureds submit their own interior and exterior photos along with a questionnaire.