Hippo Holdings Inc. (HIPO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.395 Thank you, operator. Good morning, and thank you for joining HIPPO's third quarter 2025 00:00:04.395 -- 00:00:09.540 earnings call. Earlier today, HIPPO issued an earnings release announcing its third 00:00:09.540 -- 00:00:14.705 quarter 2025 results and a financial results presentation, which will be webcast during 00:00:14.705 -- 00:00:19.767 today's call, both of which are available at investors.hippo.com. 00:00:20.590 -- 00:00:25.895 Leading today's discussion will be HIPPO President and Chief Executive Officer Rick McCatherin 00:00:25.895 -- 00:00:30.915 and Chief Financial Officer Guy Selzer. Following management's prepared remarks, 00:00:30.915 -- 00:00:35.661 we'll open the call for questions. Before we begin, we'd like to remind you that our 00:00:35.661 -- 00:00:38.184 discussion will contain predictions, 00:00:38.184 -- 00:00:42.509 expectations, forward-looking statements, and other information about our business that 00:00:42.509 -- 00:00:47.075 are based on management's current expectations as of the date of this presentation. 00:00:47.075 -- 00:00:52.642 Forward-looking statements include, but are not limited to, HIPAA's expectations or predictions 00:00:52.642 -- 00:00:58.030 of financial and business performance and conditions and competitive and industry outlook. 00:00:58.030 -- 00:01:02.594 Forward-looking statements are subject to risks, uncertainties, and other factors that 00:01:02.594 -- 00:01:08.180 could cause actual results to differ materially from historic results and or our forecast, 00:01:08.180 -- 00:01:13.144 including set forth in HIPAA's Form 10-Q filed today. 00:01:13.144 -- 00:01:17.729 For more information, please refer to the risks, uncertainties, and other factors discussed 00:01:17.729 -- 00:...