Home insurance made for you*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available
The average cost of home insurance has increased to more than $1,400 per year in the United States, but depending on where you live, you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Electronic policy - for reducing your carbon footprint by saving some paper.
New home buyer - if you’re purchasing a home for the first time.
IBSH designation - for fortifying your home against disasters.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
12 states and counting
We currently offer coverage in the following states – with more on the way.
Common questions about home insurance
How much home insurance do I need?
Your individual coverage needs can be affected by a variety of factors, but we typically recommend that you have enough home insurance to cover the following costs:
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Dwelling coverage: 100% of the cost to rebuild your home
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Other structures: At least 10% of your Coverage A amount to cover the cost to rebuild other structures on your property. You might need more or less depending on the types of other structures you have on your property.
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Personal property: At least 50% of your Coverage A amount to cover the cost to replace your belongings
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Loss of use: At least 20% of your Coverage A amount to cover living expenses if your home becomes temporarily uninhabitable after a covered loss
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Personal liability: At least $100,000 to $300,000 to cover any legal costs due to injuries or property damage you negligently cause to others
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Medical payments: At least $1,000 to $5,000 to cover any medical bills due to injuries sustained by guests on your property
For more details, see our guide to how much home insurance coverage you need.
What’s the average cost of home insurance?
The average cost of home insurance premiums in the United States is $1,411 per year, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. The cost of your premium depends on where you live, your home’s characteristics, and other factors.
What factors affect home insurance rates?
The cost of home insurance depends on several factors.
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Where you live: Your state’s laws, as well as environmental factors like natural disaster risks, impact the cost of your premium.
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The age of your home: Older homes are often more expensive to insure.
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Your claims history: Most insurance companies see a history of frequent claims as an additional risk, which may increase the cost of your premium.
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Your deductible: The deductible you choose determines how much you’ll pay out of pocket before your home insurance coverage kicks in. A lower deductible typically results in a higher premium.
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Your credit history: In some states, your credit history may also impact your home insurance premiums via your credit-based insurance score.
Is home insurance required?
Home insurance is not required by law in the United States, but almost all mortgage lenders require proof of home insurance. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
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