Building the Future of Insurance with Hippo

Overview

Hippo, a technology-native insurance group, has partnered with Cognition to deploy Devin, our AI software engineer, across its engineering organization.

The insurance industry is at a critical technological turning point that will make and break legacy brands. Early this year, McKinsey estimated that agentic AI can cut the testing and defect-resolution cycles at the core of insurance modernization—the work that has historically been the slowest and most expensive for carriers—by as much as 90 percent.

Insurance is also one of the most complex and heavily regulated industries out there, where every product has to hold up across fifty states, each with its own rules, filings, and edge cases, and the software behind it has to stay reliable and compliant as those rules change. That mix of complexity and criticality is exactly where AI software engineering creates the most leverage.

Hippo's Homegrown Advantage

Hippo builds and owns its core technology in-house—its engineers own the systems that run the business across the full insurance lifecycle, from rate filings and underwriting through distribution and customer experience. That homegrown foundation matters more than ever in a market where most carriers still spend the majority of their IT budgets maintaining legacy systems instead of building new ones and it is what lets Hippo embed AI directly into the systems that run its business.

With Devin, Hippo's engineers can build and test software that holds up across all fifty states without multiplying manual effort, freeing them to spend more of their time on the product and risk work that moves the needle, including initiatives like Hannah, its AI-powered service representative, and partner data ingestion across its MGA network.

Insurance in the Agentic Era

The carriers that shape the industry for the next decade will be the ones that can build and adapt software as quickly as the market and regulators move. In the agentic age, engineering capacity stops being the constraint. Its ability to launch a new product or enter a new state becomes a question of intent rather than headcount, and the gap between the carriers that can move at that speed and the ones still tied to legacy systems will only widen. For their customers, that means coverage and service that keep pace with their lives, and an industry that finally feels as modern as the people it protects.

We're proud to partner with Hippo as it builds toward a future where insurance is proactive, homeownership is effortless, so every homeowner stays protected no matter what life brings. We can't wait to see what its engineers build next.