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Kin at a glance

Pros:
Cons:
  • Good for homeowners in high-risk zones or areas prone to hurricanes
  • Good for customers looking for basic coverage options at affordable prices
  • Limited availability
  • Not a wide array of coverage options
  • Not great for customers who prefer working with an agent

Kin Homeowners insurance review

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4.0 Rating from The Zebra

Kin is a tech-savvy new home insurance company that provides coverage in risk-prone areas. Founded in 2016 and based in Chicago, Kin is unique in that the primary states in which it sells policies are prone to hurricanes, wildfires, and other severe weather events. Kin prides itself on offering affordable home insurance coverage in states where many insurers are reticent to write policies. While still only selling coverage in a handful of states, the company claims the average homeowner can save up to $500 by switching to Kin.

At present, homeowners insurance is the primary product available from Kin. The company specializes in homeowners insurance for high-risk areas prone to floods and hurricanes. This sets Kin apart from the onset, as many major insurance companies tend to be more risk-averse and write fewer policies in such areas. For those struggling to find coverage in high-risk areas, Kin Insurance may be a good option for basic coverage.

In our review of Kin’s homeowners insurance, we’ll detail coverage options, discounts, and other notable standouts so that you know what to expect as a Kin client.

  • JD Power Rating — Not rated
  • Financial strength —While not currently rated by AM Best — a trusted financial rating agency — Kin Insurance is given an A (Exceptional) rating by independent rating agency Demotech.
  • NAIC Rating — Above average: Kin received fewer customer complaints than the national median, as logged by the National Association of Insurance Commissioners (NAIC).
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Where is Kin Insurance available?

Kin is currently only available in CaliforniaFlorida and Louisiana

 

Kin homeowners insurance coverage options

Kin relies heavily on data in order to generate your quote. Beginning with your address, Kin pulls property records, real-estate listings, and satellite imagery when determining your rates. Those, along with your own personal information are used to provide a quote. 

All of the standard home insurance coverages can be found at Kin, including coverage for your dwellingother structurespersonal propertypersonal liabilityloss of use, and medical payments. Unlike most insurance companies, Kin only offers insurance based on replacement cost rather than actual cash value, which deducts depreciation from your claim payout. This is beneficial in the event you suffer covered property damage, as it will ensure you get the full amount required to replace what you lost.

Kin offers HO-3 home insurance policies for typical homes — the most common type — but also offers:

  • HO-6: Condo insurance
  • HO-7: Mobile home policy
  • DP-3: Landlord policy (soon to be launched)

Kin does not offer many endorsements or riders to supplement home insurance with additional coverage. Detailed below are two optional coverages offered by Kin. Note: these can be easily found with most other carriers.

  • Scheduled property: Valuables like jewelry and antiques come with their own sub-limits, which may not be sufficient to fully replace these items if they’re lost or damaged. This endorsement extends coverage for certain items.
  • Identity fraud protection: This endorsement will cover accrued expenses, like legal costs, should you become a victim of identity theft. Kin will also provide an identity theft specialist to provide guidance during the process of restoring your identity.

 

Kin flood insurance, hurricane coverage and wildfires

As an insurance carrier willing to face the risks of insuring clients in coastal regions or potentially hazardous areas vulnerable to natural disasters, Kin conveniently also offers flood insurance as an endorsement — but only in the state of Florida. This private flood insurance option is independent of the National Flood Insurance Program (NFIP), the typical default option for most homeowners seeking flood insurance.

Like many private flood insurance policies, Kin’s flood coverage waives the 30-day waiting period and covers your property (dwelling, other structures, and personal property) up to your specific coverage limits. By comparison, flood insurance through the NFIP covers up to a maximum of $250,000 for your dwelling and $100,000 for your personal property. If the value of your home and property surpasses the NFIP’s limits, a private flood policy is the best way to protect your home from flood damage.

While hurricane-specific insurance doesn’t exist, wind and hail coverage is part of a standard homeowners policy. In states that have separate hurricane deductibles, Kin lets policyholders choose between the typical amounts: between 1% and 10% of your dwelling coverage or a flat rate, depending on your state’s regulations.

Kin offers homeowners insurance policies in the state of California, a state more susceptible to wildfires than most. While Kin's policies do cover wildfires, there are some perils that could result from such fires that may not be covered. For instance, flooding or mudslides are excluded from most policies.

 

Kin insurance discounts

Staying competitive with discounts found at other home insurance providers, Kin offers the following cost-cutting measures for policyholders. These discounts may vary by state.

Discounts based on your home

  • Home security: Equip your home with home security systems or fire alarms to receive this discount.
  • Wind mitigation: This is a home inspection that evaluates and certifies your home’s resilience to windstorms, and can lead to some savings.
  • Fire mitigation: Available for California homeowners, Kin offers a discount if you take measures to make your home more resilient to fire damage, like ember-resistant venting or an annual brush removal contract.
  • Water detection: Qualify for this discount by installing water leak detection systems in your home to prevent water damage.
  • Accredited builder: If your home is a new construction backed by a builder’s warranty, Kin offers a lower premium.
  • Responsible repair: This is Kin’s response to Florida legislation making it harder for contractors to take advantage of homeowners making claims. If you agree not to sign over the benefits of your claims to a contractor should you need repairs, you can be eligible for this discount.
  • LEED-certified home: Applicable to those in California whose home meets the environmental standards of the Leadership in Energy and Environmental Design (LEED) Green Building Rating System, Kin offers some savings if your home is energy efficient.

Discounts based on your policy or policyholder

  • Claims-free: A common discount for home insurance, you can expect a cheaper premium if you haven’t made a claim in seven years.
  • Electronic policy: Save $10 by enrolling in paperless policy management.
  • Home community: See some savings if you live in an HOA-managed or secured community.
  • New homeowner: Bought your home sometime this past year? Ask about this discount.
  • Mature homeowner: Get a senior discount if you’re over the age of 50.
  • Pay in full: Take care of your premium in full to avoid paying monthly processing fees commonly charged by insurance providers.

 


Additional lines of insurance

Kin’s pillar insurance product is homeowners insurance, but the company offers other property-specific coverages:


How to cancel a Kin Insurance policy

To cancel your Kin Insurance policy, contact the company's customer service department at (855) 717-0022.


Kin Insurance online features

Being a tech-focused insurance company, most customer interaction will occur online. One of Kin's biggest strengths is its online quoting platform, which takes into account not only the personal details of customers but also the risk level of the property being insured. They do this by accessing satellite and drone imagery as well as historical data to assess the level of risk for your home.

Customers can expect many of the typical functions available from most home insurance websites, including the following:

  • Online account management
  • Claims portal
  • Online bill pay

Despite being an insurtech startup, Kin Insurance does not have a mobile app at this time.

Make an informed decision: compare policies online today.

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.