Home insurance demystified
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What is a FAIR plan?
When you can't get coverage from a private insurer, your next option may be your state's FAIR plan or market of last resort. Find out more here.
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What is an insurance loss inspection?
Your insurer may send a claims specialist to evaluate and inspect your damages. This is called a loss inspection, and it’s a completely typical part of the claims process.
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What is an insurance moratorium?
Find out what an insurance moratorium is and how it affects your ability to get covered.
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What is an occurrence in insurance?
An event that causes damage or physical injury to a third party and triggers a claim on an insurance policy.
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What is force-placed insurance?
Find out what a force-placed insurance policy is, what it covers (and doesn’t cover), and how to get one removed as soon as possible.
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Admitted vs. nonadmitted insurance carriers: What's the difference?
Find out what the difference is between admitted and nonadmitted carriers and why it matters when your shopping for home insurance.
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The underwriting discovery period: What it is and why it matters
Was your policy canceled soon after binding? Find out about the underwriting discovery period, when it is, and how it might impact your coverage
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What is trust-owned home insurance?
Trust-owned homes are eligible for coverage from Kin. Learn more.
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What is a hurricane deductible?
A hurricane deductible is the amount of money you pay out of pocket before your insurance benefits kick in to cover hurricane wind losses. Learn more.
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Policy term explained
A policy term is the length of time that an insurance policy is in effective. Find out how long a policy term usually is and what happens when it ends.
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What is an option to repair provision?
An option to repair (OTR) provision, if invoked, puts the responsibility for home repairs in the hands of the insurance company, rather than the policyholder.
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The National Flood Insurance Program explained
The NFIP is a national program administered by FEMA that provides flood insurance. Learn more from Kin.
