A partner built for California.
Kin helps homeowners find coverage in the markets where it's hardest to access — including all 58 California counties. We combine data, technology, and an experienced team to deliver a reliable insurance solution for CBIA members, their buyers, and the homes they build.
A partnership built for CBIA members
The California Building Industry Association (CBIA) has partnered with Kin to give CBIA members — and the homeowners they serve — access to quality, reliable coverage in all 58 counties across California, including areas where other carriers have stopped writing.
Kin was founded in 2016 with one mission: provide committed, fairly priced homeowners insurance in the markets that need it most. Kin has secured coverage for over 400,000 homes across 14 states, with a long-term commitment to each market it serves.
58
All CA counties covered
4.9/5
Trustpilot rating (7,000+ reviews)
400K+
Homes served nationwide
2016
Founded to serve the markets that need it most
Your home deserves insurance built to stay with you.
As a CBIA member, Kin is here for you — whether you're protecting your own home or connecting your customers with coverage they can count on.
Use it your way
For you
Get a quote for your own home, anywhere in California.
For your customers
Share this page with homebuyers and homeowners you work with — new construction or existing homes.
Coverage that fits any California home
Built to reward mitigation
Newer construction and fire-resistant roofing/materials can reduce your premium.
Community discounts
Homes in FireWise USA or IBHS Wildfire Prepared communities qualify for meaningful discounts, regardless of build year.
Fast, accurate quotes
Fully digital, no agent required, ready when you are.
You'll have a partner and an advocate, not a call center
A partner from day one
From the moment you apply, you'll have access to knowledgeable support, not automated menus — real people who know your coverage and can answer your questions.
An advocate when it counts
When it matters most, you'll have an expert advocate on your side, supporting you through the claims process to make sure you get what you need.
Fast, digital, always available
Digital quoting and full policy management, available 24/7. Get your quote in minutes — no agent appointment, no paperwork, no waiting.
Get your instant estimate
Same quote tool as above — get your estimate right here.
Built for scale.
When you're managing dozens of floor plans, hundreds of lots, and thousands of buyer conversations, home insurance shouldn't be a variable. Here's how the CBIA program works for large and master-planned communities.
What we deliver for every builder relationship
1. Available everywhere you build
Kin can help with coverage in all 58 California counties and every wildfire zone. Coverage limits up to $15M with options for flood and earthquake protection.
2. Upfront pricing
Under the CBIA program, Kin can establish quoted pricing per floor plan and per lot in advance — so buyers know what to expect before they sign. No insurance surprises at closing.
3. Fair pricing
Coverage pricing is based on each home's specific characteristics, recognizing mitigation features and offering flexible coverage options.
4. Customer experience
Over 15,000 5-star reviews and a 4.9 out of 5 on Trustpilot. Proactive disaster outreach and a fast digital quote process with real people behind it.
★★★★★ Trustpilot — Excellent, 7,830+ reviews (ratings as of July 2026)
How it works
Share your community specs and floor plans with Kin.
Kin can provide pricing for every floor plan on every lot before buyers visit your sales center.
Buyers receive pricing upfront — before they sign.
The details
Upfront pricing — confirmed for CA
Kin can set pricing per floor plan and per lot before buyers even sign. The final premium shifts only if a buyer wants to change their deductible, endorsements, or coverage selections — not because of factors outside their control.
Accredited builder discount
Qualifying builders may receive an additional discount — on top of any discounts for risk-reducing construction features. Real savings that translate to buyers.
We'll do the work for you
No lengthy questionnaires for you to fill out. You provide the community specs and floor plans and we'll price every floor plan option on every lot. You receive a unique QR code and URL link tied to your builder ID that gives your customers fast access to the quote.
High-value homes
Coverage available up to $15M in total insured value — including options to replace belongings at today's prices and keep rebuilding covered even if construction costs spike after a major disaster.
Why this matters
A master upfront quote program means no buyer has to wonder whether they can get insured. Insurance becomes part of the story you tell — not a footnote to the deal.
Same program. Built for how you work.
You don't need a community of hundreds to access the Kin × CBIA program. Whether you're building one home at a time or developing a small infill project, the program is built for you.
What we deliver for every builder relationship
1. Available everywhere you build
Kin can help with coverage in all 58 California counties and every wildfire zone. Coverage limits up to $15M with options for flood and earthquake protection.
2. Upfront pricing
Under the CBIA program, Kin can establish quoted pricing per floor plan and per lot in advance — so buyers know what to expect before they sign. No insurance surprises at closing.
3. Fair pricing
Coverage pricing is based on each home's specific characteristics, recognizing mitigation features and offering flexible coverage options.
4. Customer experience
Over 15,000 5-star reviews and a 4.9 out of 5 on Trustpilot. Proactive disaster outreach and a fast digital quote process with real people behind it.
★★★★★ Trustpilot — Excellent, 7,830+ reviews (ratings as of July 2026)
How it works
If you want upfront pricing:
You provide the build details to receive an upfront price.
You receive a unique QR code and URL link tied to your builder ID.
Buyers scan, get a digital quote, and can bind — all online.
If you just want to refer buyers without upfront pricing:
You can route buyers to kin.com or 855-717-0022 to get a quote 24/7. They can receive the best pricing by speaking with an agent to ensure all the features of the new construction are provided to Kin.
What stays the same
The same Kin coverage that large builders offer their buyers
The same 4.9-star customer experience
The same support through claims, renewals, and disasters
The same CBIA partnership backing the program. You bring the buyer. Kin handles the rest.