We think Kin is pretty great, but the truth is the best home insurance for you depends on your situation. For most people, that’s usually a function of price, customer service, or a combination of the two.
In this article, we look at how Kin uses technology to help homeowners get the best home insurance coverage for their circumstances.
Keeping premiums down
Lowering the cost of home insurance is almost always a priority for homeowners, but it’s of the utmost importance in many of the the states Kin serves. These areas have been hit hard by climate change, and that’s making it hard for homeowners to find affordable coverage.
First, the policies we offer through our carrier partners are based on tons of individual data points to better address the risk individual homeowners face. These include only factors like:
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Your home’s location. Geography has a big influence on premium, but so can other location details, like your home’s protection class and construction materials.
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Your personal claims history. Your claims history can impact your costs, but catastrophic claims usually don’t.
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The loss history of your property. Multiple claims made on a property can cause higher premiums, depending on the circumstances.
Second, Kin is a direct-to-consumer insurance provider, so you can apply for and bind home insurance completely online without assistance. This eliminates the need for the network of agents in physical offices that other insurance companies typically use. By selling policies exclusively online and over the phone, Kin keeps its overhead as low as possible – and that savings gets passed onto our customers!
Improving your experience
Not only does Kin’s digital-first presence make it easy for homeowners to shop for insurance and bind coverage, but it also makes Kin quick to help customers before a catastrophe.
The process starts with an in-house team tracking real-time weather data so it can alert customers who may be in harm’s way up to three days prior to impact. After the storm, Kin sends texts to customers to check if they're okay and to see if they need to file a claim.
Triaging claims in this way means customers most in need of assistance get helped first. But it also mobilizes adjusters faster, so Kin customers impacted by a storm can get on the road to recovery sooner.
Kin is known for using technology to improve customer experience while minimizing costs – but you don’t have to take our word for it. See what homeowners say on review sites like the BBB and Trustpilot.
And when you’re ready to see Kin in action, call 855-717-0022 or enter your address to get a quote.