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Kin home insurance review

This broker uses tech to quickly pinpoint your coastal home’s risk and rates.

  • Get a quote if you need customized coverage in a high-risk flood zone.
  • Pick something else if Kin doesn’t cover your state.
  • Best for homes with safety features installed.
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Available states

24/7 claims

Online quotes



  • Top customer service
  • Tech used to customize home risk
  • Coverage in as little as 15 minutes
  • Insures high-risk areas


  • Only available in 4 states
  • No online quotes or claims
  • Unorganized website
  • Inspection required for older homes
New home discount discount Yes
New homeowner discount Yes
Home safety features discount No
New policy discount No
Bundling discount No
No claims discount No
Other discounts
Personal property coverage Yes
Valuable personal property Yes
Theft coverage Yes
Fire coverage Yes
Flood coverage Yes
Identity theft coverage Yes
Homesharing No
Dwelling coverage Yes

Review by

Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Kin is a broker that matches policyholders with the provider that best suits their needs. Along with excellent customer service, it’s known for catering to residents of coastal states and other high-risk areas that might struggle to find affordable home insurance.

However, it’s only available in a handful of states at the moment, and homes over 50 years old may require an inspection.

If you live outside of Kin’s service area, compare other home insurance providers.

What home insurance coverage does Kin offer?

This new company lists basic coverage on its website, but its partners may offer extra protection. Standard coverage includes:

  • Dwelling. Protection for damage to floors, roof and even your foundation if a covered event happens.
  • Other structures. Shelter detached buildings on your property like your garage or shed.
  • Personal property. Protect your personal belongings at home or abroad.
  • Scheduled personal property. Opt for raised maximums on the valuables you cherish most.
  • Personal liability. Pay for expenses or court fees related to an injury that happens on your property.
  • Loss of use. Covers higher living expenses if repairs keep you from living at home.
  • Medical payments. Foot medical bills for visitors in your home or on your property. Guests may get more immediate medical coverage than with liability.
  • Replacement cost. Insure your home at the current value to repair or rebuild, not including depreciation.
  • Wind or hail coverage. Soften the blow to your finances from wind or hail damage. This coverage has a separate deductible.
  • Hurricane insurance. Safeguard your home from wind damage caused by a hurricane, but you’ll need a separate policy for flood insurance.
  • Flood insurance. Cover flood damage caused by hurricanes, rainwater, overflowing bodies of water or broken water mains. Houses in high-risk zones may be required to get coverage.
  • Identity fraud. Restore your name without worrying about legal fees and other expenses.

What discounts and benefits can I get with Kin?

The company matches you with a variety of discounts you’re eligible for, including:

  • Accredited builder. If your home is built through a certified builder, you’ll get an extra discount.
  • Fire safety. Install automatic fire sprinklers and smoke detectors. In California, qualify for discounts for ember-resistant venting, removing brush annually and creating defensible space free from fire-prone trees or plants.
  • Home security discount. Install a home security system to prevent theft and save on insurance. The discount applies even if you install the system provided through Kin’s partnership with Kangaroo, a home security company.
  • Hurricane safety. Bolster your home with hurricane glass, accordion shutters and wind-resistant doors.
  • Responsible repairs. Homeowners who keep up with regular home maintenance and repairs may be eligible for extra savings.
  • Secure community. Shave dollars off your premium if you live in a gated community.
  • Water use. Lower your premium when you use a water leak monitoring device.
  • Wind-resistant home. Get a wind certificate of inspection to qualify you for a discount on homes built before 2007.
  • Free home security and safety tools. Kin is partnering with Kangaroo to provide policyholders with a free smart home security system. The free package includes a doorbell camera, chime and sensors that detect water leaks, climate problems, motion, unwanted entries and 24/7 professional monitoring. You may have to pay $10 per month for professional monitoring after the free period ends.
  • Educational resources. Kin’s website has educational articles about home insurance and guides for your area.Roof financing. Finance your roof replacement or hurricane openings in Florida through MyStrongHome, a move that could qualify your home for discounts.

Pros and cons of Kin home insurance


  • Compares policies for you. This broker matches you with the right policy from its partners. But Kin underwrites its own Florida policies.
  • Highly rated customer service. Over 400 customers rave about Kin’s service and competitive rates on Trustpilot.
  • Instant coverage. The company claims you can start your policy and get coverage in as little as 15 minutes, though that may only be for homebuyers it insures directly.
  • Covers high-risk states. Kin helps homeowners in high-risk areas like coastal or wildfire regions, working to reduce their damage risk.
  • Uses tech to determine your home’s risk. The company analyzes a variety of public data to rate your home and determine your premium, data that standard insurers may not use.


  • Website could be better organized. We found helpful details about coverage and discounts on state-specific insurance pages.
  • Home inspection possible. Homes over 50 years old may need an inspection before getting coverage.
  • Limited service area. Kin only protects homes in five states but has plans to expand.
  • No online claims. Customers don’t have the convenience of filing online claims.

What states does Kin cover?

For now, Kin focuses on insuring homes in high-risk coastal areas, including:

  • Alabama
  • California
  • Florida
  • Georgia
  • Texas

How to apply for Kin home insurance

Unfortunately, you can’t complete your home insurance quote online. Get the process started online in a few steps:

  1. Enter your home address from the homepage. Click Get a quote.
  2. Enter your details and read the disclaimer. Click Agree & Submit.
  3. Call 855-664-3800 to finalize your application.

If you prefer contacting Kin online, you can email

What info do I need to apply for home insurance with Kin?

Let your agent know details about you and your home, including:

  • Name
  • Address
  • Date of birth
  • Email
  • Phone number
  • Home details such as year built, square footage and home value
  • Information about other residents

How do I make a claim with Kin?

Inform Kin about your home damage by phone or email as soon as it happens.

  • Phone. Talk with a representative at 866-204-2219.
  • Email. Send details, damage photos and other documents to

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Frequently asked questions about Kin home insurance

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