Common Questions + Easy Answers
Home Insurance Coverage Questions
Your condo association may cover many of the risks that a homeowner would otherwise need insurance for.
In short, renting out your property means you need a landlord insurance policy – or DP3 policy – to make sure you’re properly protected. That’s true for short-term rentals, too.
Legally, you might not need it. But if you have a mortgage, your lender almost definitely requires it.
Usually, it doesn’t.
Yes, homeowners insurance covers solar panels – and good thing, too! They’re an investment worth protecting.
A DP3 policy is for a dwelling you rent out while an HO3 policy is for your primary residence.
Get a quote and see for yourself.
Find out what limits to choose for each part of your policy.
The replacement cost of your home may be more than its market value in some situations. Learn how you can make sure you have enough coverage to rebuild your home after a disaster.
In exchange for a lower premium, the roof surface payment schedule endorsement subtracts your roof’s depreciation from your claim settlement for wind or hail damage. Roof depreciation is based on its age and surface materials.
Trust-owned homes are eligible for coverage from Kin. Get a quote today.
DP1 and DP3 are both dwelling fire policies that protect property owners who have either vacant homes or leased properties.
Learn about the most common home insurance discounts, from fire and security alarms to lesser known credits, like our very own Responsible Repair Discount.
No one wants to pay more for insurance than they have to. Make sure you’re taking advantage of opportunities to save on your coverage.
These factors can impact how much you pay for home insurance.
Have this information on hand when you’re ready to buy home insurance.
Find out how to qualify for a security system insurance discount.
We offer a 5 percent home insurance discount for LEED-certified homes in California.
A number of communities qualify as secured communities: those with a guard at the gate, a keycard gate, a stationed guard in the area, or a single entry.
Kin’s Responsible Repair Discount rewards homeowners who decline to hand over their claim benefits to a vendor.
A home inspection formally documents your home’s current condition. A home self inspection is a quick and easy alternative to bringing an inspector out to your property. Most self inspections take 20 minutes to complete, and you only need a smartphone to do it.
A reciprocal insurance exchange is one way to structure an insurance company. In the reciprocal setup like Kin’s, the carrier is owned by policyholders but managed by a separate entity.
A windstorm mitigation inspection shows how wind resistant your home is. It can save you big money on your home insurance.
We think everything about home insurance should be easy – including refunds.
An installment fee is a small service charge to cover the cost of processing additional premium payments, usually on a quarterly or monthly basis.
This is a small fee that goes toward maintaining an insurance company’s ability to pay claims.
Learn about the fees that may apply to home insurance policies.
Find out how homeowners insurance claims are paid and how your coverage and deductible impact your final payout
Learn how to protect your home and yourself from the five most common home insurance claims.
Typically claims stay on your CLUE report for five to seven years.
Find out how to avoid opportunists after a major disaster.
Our Managed Repair Program connects you with licensed, vetted contractors so you can get covered repairs done quickly and professionally.
Our claims process is designed to help you recover from disasters big and small, whether that’s a hurricane, flood, or wildfire, or a leaky pipe.
For some claims, we 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.
Knowing when to file a home insurance claim can help you use your coverage more strategically – and keep your rates low.
Nobody loves tax season, but it’s a yearly reminder that homeownership has its perks.
Homeownership is the epitome of the American dream, and your home is likely to be the most significant purchase you’ll ever make. If you purchase wisely, the equity growth of your home could lead to financial security.
A home inventory is an up-to-date record of your possessions that can help you get claims settled quickly and accurately.
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