Hippo Holdings Inc.

Good afternoon and thank you for attending today's HIPPO second quarter 2022 earnings call. My name is Donyell and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. If you would like to ask a question, please press star followed by one on your telephone keypad. I would now like to pass the conference over to our host, Cliff Gallant of HIPPO. Cliff, please proceed.

Thank you, operator. Good afternoon, everybody, and thank you for joining HIPPO's second quarter earnings conference call. Earlier, HIPPO issued a shareholder letter announcing its results, which is available at investors.hippo.com. Leading today's discussions will be HIPPO's chief executive officer and president, Rick McCatherin, executive chairman and founder, Asaf Wand, and chief financial officer, Stuart Ellis. Following management's prepared remarks, we will open up the call to questions. Before we begin, I'd like to remind you that our discussion will contain predictions, expectations, forward-looking statements, and other information about our business that is based on management's current expectations as of the date of this presentation. Forward-looking statements include, but are not limited to, HIPAA's expectations or predictions of financial and business performance and conditions and competitive and industry outlook. Forward-looking statements are subject to risk, uncertainties, and other factors that will cause our actual results to differ materially from historical results and or from our forecast. including those set forth in HIPPO's Form 8K file today. For more information, please refer to the risks, uncertainties, and other factors discussed in HIPPO's SEC filings. All cautionary statements that we make during this call are applicable to any forward-looking statements we make whenever they appear. You should carefully consider the risks and uncertainties and other factors discussed in HIPPO's SEC filings. Do not place undue reliance on forward-looking statements as HIPPO is under no obligation and expressly disclaims any responsibility for updating, altering, or otherwise revising any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law. During this conference call, we will also refer to non-GAAP financial measures, such as total generated premium and adjusted EBITDA. Our GAAP results and description of our non-GAAP financial measures with a full reconciliation to GAAP can be found in the second quarter 2022 shareholder letter, which has been furnished to the SEC and available on our website. And with that, I'll turn the call over to Asaf Mons. founder and executive chairman of EPO.

Thanks, Cliff. Before we dig into the details of another solid quarter of delivering on what we said we do, I wanted to take this opportunity to thank EPO's customers, employees, supporters, and investors for my time as the CEO of the company. When I founded EPO in 2015, I had a vision of what we could do for our homeowners and how we could build a great company, and I think we're well on our way of achieving that vision. As executive chairman and EPO's largest individual investor, I continue to be involved on an ongoing basis and dedicated to the continued success of EPO. Rick and I have worked side by side for six years to build EPO into what it is today. As we look to the next phase of EPO's development, Rick's operational background makes him ideal to take the lead in the CEO role. As an entrepreneur at heart, I will be focused on finding more strategic opportunities for HIPO on our long-term growth and on advancing our mission of protecting the joy of homeownership. Nothing gives me more pride and confidence than Rick's promotion to the CEO role and knowing that HIPO is in amazing hands. Thank you. And now, Rick.