When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Ways to save on home insurance
Home insurance discounts can help make your coverage more affordable. You may be eligible for one or more discounts based on your home, how you pay, and other qualifying factors — and multiple discounts may apply at once. Availability and amounts vary by state and policy. Get a personalized quote to see what you qualify for.
Home and auto bundle discount
Save up to 10% on home insurance and up to 20% on your auto premium when you bundle (insure both your home and car) with Kin.
Welcome discount
New to Kin? You may qualify for a welcome discount on your first policy.
Claims-free discount
Customers who haven't filed a home insurance claim in the past few years may qualify for a claims-free discount.
Electronic policy discount
Get a discount for paperless billing and electronic policy documents.
New homebuyer discount
Congratulations on your new home! Recent homebuyers may qualify for a discount on home insurance.
Protective devices and smart home discount
Earn savings for installing protective devices or smart home technology — like a home security system or an automatic water shutoff valve.
Wind, hail, and fire-resistant discount
Homes built or upgraded to recognized wind, hail, or fire-resistance standards — including IBHS FORTIFIED designations — may qualify for additional savings.
Early quote discount
Get your quote at least a week before your coverage start date and you may qualify for an early quote discount — up to 15% off in your first year.
Other home insurance savings strategies
Discounts aren't the only way to reduce what you pay. A few other strategies can make a real difference in lowering your home insurance costs.
Raise your deductible
Your deductible is the amount you pay out of pocket before your coverage kicks in on a claim. Choosing a higher deductible typically means paying less for your policy. Just make sure you choose an amount you could comfortably cover if you needed to. If you have a mortgage, check with your lender first, since some loans limit how high your deductible can be.
Improve your credit
In most states, your credit history can affect what you pay for home insurance. If your score has room to improve, working on it over time may lead to a lower rate.
Review your coverage annually
Your home and circumstances change over time — and so can your rate. Reviewing your policy each year means you're not paying for coverage you no longer need, and you're not leaving discounts on the table that you've recently become eligible for.
Frequently asked questions about Kin home insurance discounts
How can I lower my homeowners insurance premium?
The most reliable ways to lower your home insurance costs are raising your deductible, bundling home and auto with the same insurer, upgrading your home's safety features (think roof, security system, or smoke detectors), staying claim-free, and shopping around at renewal.
Do homeowners insurance discounts stack?
Yes, you can apply multiple discounts to the same policy, and stacking discounts can add up to substantial savings. Ask your insurance agent how discounts are calculated, since the math varies by state and policy.
Are all discounts available in my state?
Not always. Discount types and amounts vary by state and policy. Some are tied to regional risks. For example, wind mitigation discounts are common in Florida but rare elsewhere. Ask your insurance agent what's available where you live.
What is the Kin bundle discount?
Bundling your home and auto insurance with Kin may save you up to 10% on home insurance and 20% on car insurance.** It also provides the convenience of managing both policies in one place. The Kin bundle is currently available in select states.