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.
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 firstname.lastname@example.org.
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