What Is an MGA and EMPA Fee?

When you buy a policy from Kin, you may see two fees clearly listed:

  • A flat $25 administrative fee
  • A flat $2 EMPA fee

Once the policy is issued, both fees have been fully earned and are non-refundable, even if you cancel the policy shortly thereafter.

Here’s what these fees mean in more detail.

The MGA Fee

The flat $25 fee is a managing general agent (MGA) fee. When Kin functions as a specialized insurance broker and writes policies we have unique access to thanks to our relationships with other carriers, we must charge this fee to administer the programs.

Think about it this way: that $25 is a small price to pay to help us continue working our magic and getting you the best price on homeowners insurance in your region.

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.

Installment Fees

For Florida policies, Kin charges $3 per installment payment. This applies for 2-installment, 4-installment, and 10-installment payment plans.

Late Fees

If a payment is 5 days late or more, there's a $10 late fee.

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.


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