Home insurance demystified
Kin’s 2026 Homeownership Trends Report
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60% of California homeowners have struggled to find affordable home insurance over the last three years
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More than half of American homeowners say “debt freedom” has replaced homeownership as the American Dream
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75% of American homeowners say home renovation TV shows make DIY projects look “easier and cheaper” than reality
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Why is home insurance getting more expensive in California?
Wildfire risks, construction costs, the frequency of severe claims in the state, and other factors are making home insurance more expensive in California.
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Gen Z expects more: Why Gen Z homeowners are harder to please
Gen Z homeowners are significantly less satisfied with their insurance providers than previous generations — especially with their customer service.
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Gen Z homeowners are 27% more likely to have “buyer’s remorse” than previous generations
Plus, nearly half of American homeowners say ownership has increased their stress.
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48% of US homeowners shy away from these disaster-prone states
Extreme weather is reshaping where Americans want to live: Nearly three out of 10 would avoid purchasing a home in Florida or California due to disaster risks.
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Home warranty vs. home insurance
Learn about the differences between a home warranty and home insurance, including what's covered, what's excluded, and which one you need.
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Does home insurance go up after a claim?
Home insurance premiums often go up after filing a claim, but there are limits based on state law and your personal claims history.
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Does home insurance cover appliances?
Home insurance may cover appliances under certain circumstances, such as theft or a fire, but not every incident will be covered.
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How is home insurance paid?
Home insurance premiums are usually paid through an escrow account, or directly to the insurer by the homeowners.
