When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.
From a streamlined experience to serious savings, bundling makes life easier.
You can save up to 20% when you bundle your policies with Kin.*
Two policies, one portal. Manage everything in one, easy-to-access place.
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
No matter what’s down the road, we’ve got you covered.
Covers costs related to injuries or death of another person because of an accident for which you are legally liable.
Covers costs related to damage to other people’s property because of an accident for which you are legally liable.
Pays to repair or replace your own vehicle after a collision, regardless of fault.
Covers bodily injury to your or your passengers if you’re injured in an accident caused by a driver who has no insurance or not enough insurance.
These coverages can help pay for medical expenses, lost wages, and other related costs for you and your passengers after a car accident.
Covers damage to your car from non-collision events like theft, vandalism, fire, hail, or hitting an animal.
We currently offer home and auto bundling to Kin customers in the following states — with more on the way.
A home and auto insurance bundle is an agreement where an individual purchases both their homeowners and car insurance policies from the same provider. This arrangement is a common way to earn discounted coverage, often called a multi-policy discount. In addition to saving on premiums, policyholders who bundle can also benefit from streamlined account management by having one point of contact, one bill, and a single renewal date.
To bundle home and auto insurance, contact an insurance provider to request a quote for both policies at the same time. If there is already an active policy in place, call your existing insurer to ask about adding the other type of coverage to the account. It may also be helpful to contact new providers to price out whether switching to a bundle makes better sense for your specific needs. Most insurers allow you to start this process through an online portal or by speaking directly with an agent.
While home and auto is the most popular combination, many other types of insurance can be grouped together to earn a discount. Most providers allow you to mix and match different policies based on your needs. Common options for bundling include:
Keep in mind that bundling options depend on what a specific company offers. If a provider does not sell a certain type of insurance, you may not be able to include it in your package.
Combining home and auto insurance often leads to one of the largest available discounts. According to the Insurance Information Institute, bundling these policies typically saves homeowners between 5% and 15% on their total premiums. In some cases, specific providers may offer savings as high as 20%. While the exact dollar amount depends on your location and coverage needs, bundling remains a highly effective way to lower overall insurance costs.
Bundling home and auto insurance does not typically reduce the quality of your protection. Each policy remains a separate legal contract with its own coverage limits — the maximum amount the insurer pays for a claim. However, bundling can simplify your coverage by aligning renewal dates and occasionally offering a single deductible. This means if one event damages both your home and car, you may only have to pay your out-of-pocket cost once. Check with your insurer for details specific to your policy.
You can switch insurance companies to bundle your policies at any time. You do not have to wait until your current policies expire to make a change. However, it is often simplest to switch near your renewal date to avoid potential early cancellation fees from your current provider.
Here’s how to ensure a smooth transition:
Most homeowners and renters who also own a vehicle qualify for a bundling (also known as a multi-policy) discount. To be eligible, you simply need to purchase at least two qualifying policies from the same insurance company. While most standard car and home insurance combinations work, many providers also allow you to bundle coverage for motorcycles, boats, or RVs. Eligibility usually extends to spouses or residents of the same household who manage their policies under one account.
