What Is an EMPA Fee?

Learn about the fees that may apply to home insurance policies.

What Is an EMPA Fee?

When you buy a policy from Kin and you’re a Florida resident, you will see a flat $2 fee in your premium breakdown. This is the EMPA fee.

This fee only applies to policyholders in Florida. By state law, a flat $2 for each Florida homeowners insurance policy sold must go toward the Emergency Management, Preparedness, and Assistance Trust Fund. This fund helps pay for emergency management activities (e.g., when a big hurricane hits and the state must quickly assist citizens).

If you have a taste for legal jargon, you can read up on the statute here.

Once the policy is issued, the fee has been fully earned and is non-refundable, even if you cancel the policy shortly thereafter.

Installment Fees

If you opt to pay your premium in installments – typically, the options are 2-installment, 4-installment, and 10-installment payment plans – installment fees apply. The amount of the fee varies by state to account for transaction costs.

And that’s it! Our fees are never hidden – we want you to know exactly where your money goes. If you have additional questions, feel free to send them our way at marketing@kin.com.