Common Questions + Easy Answers
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Common Home Insurance Questions
Do I Need Homeowners Insurance?
If you have a mortgage, home insurance is usually required.
Does Home Insurance Cover Tenants?
You need some additions to a standard homeowners insurance policy if you want to cover tenants.
How Is Condo Insurance Different?
There are some key differences between insuring condos and single-family homes.
Why Is My Replacement Cost Different Than My Home Purchase Price?
Sometimes your home may be insured for more or less than the purchase price. Here's why.
All Dogs Are Good Dogs (But Some Are Restricted Breeds)
Many insurance providers have restricted dog breed lists, and getting coverage can be difficult if your dog is on it.
What Is an MGA and EMPA Fee?
One is a standard insurance administration fee and the other is a Florida emergency fund fee.
Homeowners Insurance Cost
Don't spend more on insurance than you have to. Learn the cost of home insurance and how to keep costs down.
What Impacts My Home Insurance Premium?
Find out which factors can impact how much you pay for home insurance.
How Can I Reduce My Home Insurance Premium?
Maximize your protection and minimize your costs. These tips can help you save on home insurance.
Questions about Applying for Home Insurance
What Information Do I Need to Get Home Insurance?
Depending on your situation and location, you may need proof of prior insurance, alarm certificates, and a wind mitigation report to get insured.
What's a Windstorm Mitigation Inspection?
A windstorm mitigation inspection tells insurers how resistant your home is to wind-related perils. It can save you big money on your home insurance.
What Is a Centrally Monitored Alarm System?
This is a burglar or fire alarm that is monitored off-site. These alarms qualify for insurance discounts from Kin.
What Is a Secured Community?
This is a residential area where access to the area is limited or monitored. These communities qualify for insurance discounts from Kin.
What's a Reciprocal Insurance Exchange?
A reciprocal insurance exchange is one way to structure an insurance company. In the reciprocal setup, the carrier is owned by policyholders but managed by a separate entity.
What Should I Know about Homeownership?
Owning a home comes with a lot of benefits and a lot of responsibilities.
What Are the Tax Benefits of Owning a Home?
Nobody loves tax season, but it's a yearly reminder that homeownership has its perks.
What Is a Home Inventory?
A home inventory is an up-to-date record of your possessions and is invaluable when you need to file a claim.