---
title: "Spinnaker Insurance Review [Updated 2026]"
description: "Spinnaker Insurance operates as a national property and casualty carrier with an A- (Excellent) AM Best rating, serving over one million policyholders through program administrators and managing general agents."
canonical: "https://www.coveragecat.com/reviews/spinnaker-insurance-review"
last-updated: "2026-08-13"
---
# Spinnaker Insurance Review [Updated 2026]
Spinnaker Insurance Company functions as a national property and casualty insurer with a distinct business model. Rather than sell policies directly to consumers, the company partners with program administrators and managing general agents to provide [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance), renters coverage, and specialty property products across all 50 states. Founded in 2015 and acquired by Hippo Insurance Services in 2020, Spinnaker maintains an A- (Excellent) Financial Strength Rating from AM Best [(AM Best, "AM Best Affirms Credit Ratings of Members of Spinnaker Insurance...", 2026)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-220200654.html). The carrier reported $510 million in gross written premium during the first half of 2025 and serves more than one million policyholders [(Reinsurance News, "AM Best assigns A- ratings to Spinnaker's 100% reinsured subsidiary Wingsail", 2025)](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/).
This review examines how Spinnaker operates within the insurance marketplace, what products the company offers, and what consumers should know about this specialty carrier's strengths and limitations.
## Company Background
Spinnaker Insurance Company began operations in 2015 as a fronting carrier focused on value-added program business [(LinkedIn, "Spinnaker Insurance Company LinkedIn Profile", 2026)](https://www.linkedin.com/company/spinnaker-insurance-company). The company built its initial platform around partnerships with managing general agents and program administrators who needed an admitted carrier to underwrite their insurance products.
In June 2020, Hippo Insurance Services acquired Spinnaker after the two companies worked together since 2017 [(Willkie Farr & Gallagher LLP, "Hippo Acquires Spinnaker Insurance Company", 2020)](https://www.willkie.com/news/2020/06/hippo-acquires-spinnaker-insurance-company). At the time of acquisition, Spinnaker-backed Hippo products were available in more than 18 states [Ibid.](https://www.willkie.com/news/2020/06/hippo-acquires-spinnaker-insurance-company). The acquisition allowed Hippo Holdings to own its underwriting capacity while Spinnaker continued to operate independently as a fronting platform for third-party programs.
Spinnaker's headquarters remain in Bedminster, New Jersey [(Crunchbase, "Spinnaker Insurance Company - Crunchbase Company Profile & Funding", 2026)](https://www.crunchbase.com/organization/spinnaker-insurance-company). The company has raised $50 million in funding, including a $50 million surplus notes issuance at 9.5% interest due in March 2040 [(Yahoo Finance / Business Wire, "AM Best Assigns Issue Credit Rating to Spinnaker Insurance Company's New Surplus Notes", 2025)](https://finance.yahoo.com/news/am-best-assigns-issue-credit-155300809.html). Those proceeds redeemed existing affiliated surplus notes from Hippo Holdings and built capital to support future expansion [Ibid.](https://finance.yahoo.com/news/am-best-assigns-issue-credit-155300809.html).
In October 2025, Spinnaker celebrated ten years of operation, reporting $17.45 million in pre-tax operating income as of September 30, 2024 [(Reinsurance News, "AM Best assigns A- ratings to Spinnaker's 100% reinsured subsidiary Wingsail", 2025)](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/). The company's performance reflected growth in non-Hippo programs and stabilized margins in Hippo-related business [Ibid.](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/).
## What Kinds of Insurance Does Spinnaker Offer?
Spinnaker Insurance Company provides property and casualty coverage in three main categories: personal lines, small commercial, and specialty products. The carrier holds licenses in all 50 states and the District of Columbia [(LinkedIn, "Spinnaker Insurance Company LinkedIn Profile", 2026)](https://www.linkedin.com/company/spinnaker-insurance-company).
Personal lines constitute the core of Spinnaker's business. These include:
- [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) (HO-3 policies)
- [Condo insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) for owner-occupied units
- Condo coverage for secondary residences
- Condo policies for rented units
- [Renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance)
- Dwelling fire (DP-3) policies
The company underwrites small commercial property insurance through select program partners. Specialty lines include travel insurance through partnerships with providers like Battleface, and RV rental coverage through Roamly [(Reinsurance News, "Spinnaker Insurance News Archive", 2025)](https://www.reinsurancene.ws/tag/spinnaker/). Spinnaker also writes windstorm coverage for residential properties in Texas [(Texas Department of Insurance, "Windstorm coverage for home and residential property", 2026)](https://www.tdi.texas.gov/company/windstorm-insurance-companies-residential.html).
Spinnaker does not sell [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) or [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) directly, though some program partners may bundle these products through separate carriers.
### Homeowners and Property Coverage Details
Spinnaker's homeowners policies follow standard HO-3 forms that cover the dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. The company underwrites these policies through managing general agents who determine specific coverage limits, deductibles, and endorsements available to consumers.
A market conduct examination by the Virginia State Corporation Commission Bureau of Insurance reviewed Spinnaker's homeowners and tenant policies for the period January 1, 2020 through December 31, 2020 [(Virginia State Corporation Commission Bureau of Insurance, "Market Conduct Examination Report of Spinnaker Insurance Company", 2023)](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/spinnaker-insurance-company.pdf). Examiners identified issues with overcharges in rating and terminations, plus underpayments in claims processing [Ibid.](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/spinnaker-insurance-company.pdf).
Spinnaker generally cedes 80% to 100% of premiums on a program-by-program basis to quota share reinsurers [(AM Best, "AM Best Assigns Credit Ratings to Wingsail Insurance Company; Affirms Credit Ratings of Core Members of Spinnaker Insurance Group", 2025)](https://news.ambest.com/PR/PressContent.aspx?refnum=35627&altsrc=2). This means the company transfers most of its risk to reinsurance partners while retaining responsibility for policy administration and claims handling.
## How Does Spinnaker Work?
Spinnaker operates as a fronting carrier rather than a direct writer. Consumers typically obtain Spinnaker policies through one of three channels:
1. **Hippo Insurance**: Policyholders purchase Hippo-branded [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) underwritten by Spinnaker [(Coverage Cat, "Hippo Insurance Review [Updated 2026]", 2026)](https://www.coveragecat.com/reviews/hippo)
2. **Independent Program Administrators**: Managing general agents sell Spinnaker-backed policies under their own brands
3. **Specialty Partners**: Companies like Roamly and Battleface offer niche products underwritten by Spinnaker
The quote and purchase process depends entirely on which distribution partner handles the policy. For Hippo customers, the process occurs through Hippo's website or mobile app. For other programs, consumers work with the program administrator's systems and agents.
Customer service and claims handling follow the same pattern. Policyholders contact their program administrator or the branded entity that sold them coverage, not Spinnaker directly. This structure means customer experience varies based on the specific program.
## Pricing and Payment Options
Spinnaker does not publish standard rate tables because pricing varies by program administrator and geographic market. Each MGA that uses Spinnaker as a fronting carrier sets its own rates based on underwriting guidelines approved by state regulators.
Financial data from Weiss Ratings shows Spinnaker reported approximately $113.4 million in net premiums as of October 2025 [(Weiss Ratings, "Weiss Financial Strength Rating for Spinnaker", 2025)](https://weissratings.com/en/insurer/P24376). The company's loss ratio stood at 53.09%, which indicates claims and loss adjustment expenses consumed just over half of earned premiums [Ibid.](https://weissratings.com/en/insurer/P24376).
Payment options depend on the program administrator. Most partners accept monthly installments through automatic bank withdrawal or credit card charges. Some programs require annual payment in full.
California regulators raised concerns about Spinnaker's nonrenewal practices in 2024. The California Department of Insurance alleged the company issued nonrenewal notices for at least 771 policies in the HO-3 line, claiming lack of reinsurance, without proper notice to the Commissioner [(California Department of Insurance, "Stipulation and Consent Order - Spinnaker Insurance Company and Hippo (NC-2024-00008)", 2024)](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/Stipulation-Consent-Order-Order-Adopting-Stipulation-Consent-Order-NC-2024-00008-Spinnaker-Hippo.pdf). The department also alleged violations related to large block nonrenewals in HO-6 and DP-3 lines [Ibid.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/Stipulation-Consent-Order-Order-Adopting-Stipulation-Consent-Order-NC-2024-00008-Spinnaker-Hippo.pdf).
## Customer Support
Because Spinnaker functions as a fronting carrier, customers receive support through their program administrator rather than directly from Spinnaker. Each distribution partner maintains its own customer service infrastructure, hours, and contact methods.
For Hippo-branded policies underwritten by Spinnaker, customers contact Hippo's support team via phone, email, or mobile app. Other program administrators provide support through their respective channels.
Regulatory records show Spinnaker received 19 complaints in Colorado during 2024 on $13.01 million in homeowners premium, producing a complaint index of 6.50 [(Colorado Department of Insurance, "Colorado Insurance Complaint Index Report 2024", 2024)](https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_company_name=&p_min_complaints=5&p_min_marketshare=0.10&p_order=DESC&p_order_by=premium_millions&p_policy_type=HOME&p_report_format=HTML&p_report_id=Complaint+Ratio+and+Complaint+Index+Search+Results&p_report_type=Standard+Reports&p_report_year=2024). This index measures complaints relative to market share and indicates higher-than-average complaint frequency.
## Filing Claims with Spinnaker
Policyholders file claims through their program administrator's claims department. For Hippo customers, this means using Hippo's claims portal or phone line. Other programs direct customers through their own claims processes.
Texas regulators examined Spinnaker's claims handling and found multiple violations. The Texas Department of Insurance documented that 28% of complaints reviewed were confirmed violations [(Texas Department of Insurance, "Official Order - Spinnaker Insurance Company (No. 2024-8759)", 2024)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248759.pdf). Issues included failure to notify claimants within 15 business days of claim acceptance or rejection [Ibid.](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248759.pdf).
A Georgia Court of Appeals ruling in 2025 addressed assignment of benefits in Spinnaker policies. The court ruled in favor of Hippo Insurance Services and Spinnaker against Atlantic Restoration Services in a dispute over whether a third party had standing to sue for non-payment of water damage mitigation services [(Insurance Business Magazine, "Hippo Insurance Services, Spinnaker Insurance Company in battle over assignment of rights clause", 2025)](https://www.insurancebusinessmag.com/us/news/legal-insights/hippo-insurance-services-spinnaker-insurance-company-in-battle-over-assignment-of-rights-clause-527705.aspx). The decision reinforced contract provisions regarding assignment clauses [Ibid.](https://www.insurancebusinessmag.com/us/news/legal-insights/hippo-insurance-services-spinnaker-insurance-company-in-battle-over-assignment-of-rights-clause-527705.aspx).
## Pros and Cons
## Ratings and Customer Feedback
The table below summarizes Spinnaker Insurance Company's ratings across multiple sources:
| Rating Source | Rating | Last Updated |
|---------------|--------|--------------|
| AM Best Financial Strength | A- (Excellent) | January 2026 |
| AM Best Long-Term Issuer Credit | a- (Excellent) | January 2026 |
| Better Business Bureau | Not Accredited | 2026 |
| BBB Customer Reviews | 1/5 (1 review) | 2026 |
| Colorado Complaint Index | 6.50 | 2024 |
| Weiss Ratings Risk-Adjusted Capital Ratio #1 | 1.00 | October 2025 |
| Weiss Ratings Risk-Adjusted Capital Ratio #2 | 0.66 | October 2025 |
[(AM Best, "AM Best Affirms Credit Ratings of Members of Spinnaker Insurance...", 2026)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-220200654.html), [(Better Business Bureau, "Spinnaker Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/nj/bedminster/profile/insurance-agency/spinnaker-insurance-company-0221-90197352), [(Colorado Department of Insurance, "Colorado Insurance Complaint Index Report 2024", 2024)](https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_company_name=&p_min_complaints=5&p_min_marketshare=0.10&p_order=DESC&p_order_by=premium_millions&p_policy_type=HOME&p_report_format=HTML&p_report_id=Complaint+Ratio+and+Complaint+Index+Search+Results&p_report_type=Standard+Reports&p_report_year=2024), [(Weiss Ratings, "Weiss Financial Strength Rating for Spinnaker", 2025)](https://weissratings.com/en/insurer/P24376)
AM Best's stable outlook on Spinnaker reflects the carrier's consistent operating performance and strong balance sheet strength, supported by capital contributions from Hippo Holdings [(Reinsurance News, "AM Best assigns A- ratings to Spinnaker's 100% reinsured subsidiary Wingsail", 2025)](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/). The company has outperformed the personal property industry average in pre-tax operating earnings [Ibid.](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/).
## Real Customer Reviews
Customer reviews of Spinnaker Insurance reflect the company's fronting model, where experiences vary based on which program administrator sold the policy.
Company was less than truthful regarding my home insurance.
These limited public reviews underscore the challenge of evaluating Spinnaker as a consumer-facing entity when most policyholders interact exclusively with program administrators who brand and market the coverage.
## Financial Strength and Stability
AM Best has maintained Spinnaker Insurance Company's A- (Excellent) Financial Strength Rating since at least 2015 [(HubSpot, "AM Best Rating Services Spinnaker Insurance Company", 2025)](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Producer%20Resources/Spinnaker%20Insurance%20Company%20-%20Company%20Profile%20-%20Bests%20Credit%20Rating%20Center%20@9-11-25.pdf). The most recent affirmation occurred in January 2026 with a stable outlook [(AM Best, "AM Best Affirms Credit Ratings of Members of Spinnaker Insurance...", 2026)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-220200654.html).
Key financial metrics from October 2025 include:
| Metric | Amount |
|--------|--------|
| Total Assets | $642.6 million |
| Statutory Capital | $223.2 million |
| Net Premiums Written | $113.4 million |
| Loss Ratio | 53.09% |
| Risk-Adjusted Capital Ratio #1 | 1.00 |
| Risk-Adjusted Capital Ratio #2 | 0.66 |
[(Weiss Ratings, "Weiss Financial Strength Rating for Spinnaker", 2025)](https://weissratings.com/en/insurer/P24376)
Spinnaker reported pre-tax operating income of $17.45 million as of September 30, 2024 [(Reinsurance News, "AM Best assigns A- ratings to Spinnaker's 100% reinsured subsidiary Wingsail", 2025)](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/). This operating performance stems from growth in non-Hippo programs and stabilized margins in Hippo-related business [Ibid.](https://www.reinsurancene.ws/am-best-assigns-a-ratings-to-spinnakers-100-reinsured-subsidiary-wingsail/).
The company's balance sheet strength receives support from its extensive quota share reinsurance arrangements, which typically cede 80% to 100% of premiums [(AM Best, "AM Best Assigns Credit Ratings to Wingsail Insurance Company", 2025)](https://news.ambest.com/PR/PressContent.aspx?refnum=35627&altsrc=2). This risk transfer structure protects Spinnaker's capital while allowing rapid premium growth through its program partners.
In June 2025, AM Best assigned a Long-Term Issue Credit Rating of 'bbb' (Good) to Spinnaker's $50 million surplus notes [(Yahoo Finance / Business Wire, "AM Best Assigns Issue Credit Rating to Spinnaker Insurance Company's New Surplus Notes", 2025)](https://finance.yahoo.com/news/am-best-assigns-issue-credit-155300809.html). The notes carry a 9.5% interest rate and mature in March 2040, with proceeds used to redeem affiliated debt and fund growth [Ibid.](https://finance.yahoo.com/news/am-best-assigns-issue-credit-155300809.html).
## Regulatory Actions and Compliance
Spinnaker Insurance Company has faced regulatory scrutiny in multiple states regarding claims handling, policy administration, and rate filing practices.
The Pennsylvania Insurance Department conducted a market conduct examination that reviewed homeowners and tenant policies [(Pennsylvania Government, "COMMONWEALTH OF PENNSYLVANIA INSURANCE...", 2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/regulations/regulatory-actions/spinnaker-insurance-market-conduct-05-2025.pdf). The examination covered standard property coverage practices.
Virginia regulators completed their first examination of Spinnaker for the period January 1, 2020 through December 31, 2020 [(Virginia State Corporation Commission Bureau of Insurance, "Market Conduct Examination Report of Spinnaker Insurance Company", 2023)](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/spinnaker-insurance-company.pdf). Examiners identified overcharges in rating and terminations plus underpayments in claims [Ibid.](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/spinnaker-insurance-company.pdf).
Texas issued Order No. 2024-8759 documenting violations of Texas Administrative Code regarding managing general agent agreements [(Texas Department of Insurance, "Official Order - Spinnaker Insurance Company (No. 2024-8759)", 2024)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248759.pdf). Examiners confirmed 28% of complaints reviewed, with violations including failure to notify claimants within required timeframes and missing toll-free telephone number notices in policies [Ibid.](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248759.pdf).
California's Department of Insurance entered a Stipulation and Consent Order (NC-2024-00008) with Spinnaker and Hippo regarding nonrenewal practices [(California Department of Insurance, "Stipulation and Consent Order - Spinnaker Insurance Company and Hippo (NC-2024-00008)", 2024)](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/Stipulation-Consent-Order-Order-Adopting-Stipulation-Consent-Order-NC-2024-00008-Spinnaker-Hippo.pdf). The Department alleged Spinnaker issued nonrenewal notices for at least 771 HO-3 policies claiming lack of reinsurance without proper notice to the Commissioner, plus violations related to large block nonrenewals in HO-6 and DP-3 lines [Ibid.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/Stipulation-Consent-Order-Order-Adopting-Stipulation-Consent-Order-NC-2024-00008-Spinnaker-Hippo.pdf).
## Leadership and Strategic Partnerships
Spinnaker has made several key leadership appointments to support its growth strategy. Torben Ostergaard serves as President and CEO, succeeding Dave Ingrey who transitioned to a chief strategy role [(Reinsurance News, "Spinnaker Insurance News Archive", 2025)](https://www.reinsurancene.ws/tag/spinnaker/). Charles Valinotti joined as Chief Program and Underwriting Officer, bringing 30 years of industry experience [Ibid.](https://www.reinsurancene.ws/tag/spinnaker/).
The carrier has expanded its program partnerships beyond Hippo to include travel insurance provider Battleface and commercial auto company HDVI Group [Ibid.](https://www.reinsurancene.ws/tag/spinnaker/). Spinnaker also partnered with Roamly to introduce RV rental insurance products [Ibid.](https://www.reinsurancene.ws/tag/spinnaker/).
In 2025, AM Best assigned Financial Strength Rating of A- (Excellent) to Wingsail Insurance Company, a 100% reinsured subsidiary of Spinnaker [(AM Best, "AM Best Assigns Credit Ratings to Wingsail Insurance Company", 2025)](https://news.ambest.com/PR/PressContent.aspx?refnum=35627&altsrc=2). This subsidiary expands Spinnaker's capacity to underwrite short-tail, property catastrophe exposed programs [Ibid.](https://news.ambest.com/PR/PressContent.aspx?refnum=35627&altsrc=2).
## Frequently Asked Questions
**Is Spinnaker Insurance the same as Hippo Insurance?**
No. Spinnaker Insurance Company is a separate legal entity owned by Hippo Holdings Inc. Spinnaker underwrites Hippo-branded [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) policies, but also provides fronting services for other program administrators. When you buy Hippo insurance, Spinnaker issues the policy, but Hippo manages the customer experience.
**What is Spinnaker's AM Best rating?**
Spinnaker holds an A- (Excellent) Financial Strength Rating from AM Best with a stable outlook as of January 2026 [(Ibid., "AM Best Affirms Credit Ratings of Members of Spinnaker Insurance...", 2026)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-220200654.html). The company has maintained this rating since at least 2015.
**In which states does Spinnaker sell insurance?**
Spinnaker is licensed to write property and casualty insurance in all 50 states and the District of Columbia [(LinkedIn, "Spinnaker Insurance Company LinkedIn Profile", 2026)](https://www.linkedin.com/company/spinnaker-insurance-company). Product availability in each state depends on which program administrators operate there.
**How do I file a claim with Spinnaker Insurance?**
Contact the company or agent that sold you the policy. Because Spinnaker operates as a fronting carrier, your program administrator handles all claims. For Hippo customers, use Hippo's claims portal or phone line. For other programs, contact your agent or the company listed on your insurance documents.
**Does Spinnaker offer [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance)?**
Yes. Spinnaker underwrites [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) policies through select program administrators such as Millennial Specialty Insurance [(Virginia Bureau of Insurance, "Market Conduct Examination Report of Spinnaker Insurance Company", 2023)](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/spinnaker-insurance-company.pdf). Contact an independent agent or insurance marketplace to find Spinnaker-backed renters coverage in your area.
**What types of properties does Spinnaker insure?**
Spinnaker provides coverage across personal, commercial, and specialty lines [(Spinnaker Insurance Company, "Spinnaker Insurance Company", 2026)](https://spinnakerins.com/). The company does not insure mobile homes.
**Who owns Spinnaker Insurance Company?**
Hippo Holdings Inc. acquired Spinnaker in June 2020 [(Willkie Farr & Gallagher LLP, "Hippo Acquires Spinnaker Insurance Company", 2020)](https://www.willkie.com/news/2020/06/hippo-acquires-spinnaker-insurance-company). The acquisition followed a partnership that began in 2017. Spinnaker operates as a subsidiary within the Hippo Holdings corporate structure.
**Does Spinnaker have good customer service?**
Customer service quality depends on which program administrator sold your policy. Spinnaker does not provide direct customer service to policyholders. Regulatory data shows above-average complaint frequency, with Colorado reporting a complaint index of 6.50 in 2024 [(Colorado Department of Insurance, "Colorado Insurance Complaint Index Report 2024", 2024)](https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_company_name=&p_min_complaints=5&p_min_marketshare=0.10&p_order=DESC&p_order_by=premium_millions&p_policy_type=HOME&p_report_format=HTML&p_report_id=Complaint+Ratio+and+Complaint+Index+Search+Results&p_report_type=Standard+Reports&p_report_year=2024).