The way we use our homes has changed a lot in recent years. Kin’s House & Property insurance is a new type of home insurance that we’ve designed to be incredibly customizable to fit the way you use your home.
If you rent your home often, the base policy can protect your home as a rental property. If your home is your primary residence, a single endorsement adds essential extra protection, like refrigerated food, personal liability, and medical payments coverage.
When you tell us how you use your home, we tailor the policy automatically to fit your needs. No guesswork required.
As noted above, House & Property insurance policy’s coverage varies based on the home’s occupancy. The base policy insures your:
Our base House & Property policies also include:
Some coverages are added on automatically if you live in the home you’re insuring. When that’s the case, your house & property policy also covers:
If you don’t live in the home you’re insuring, you can upgrade your House & Property policy to include liability, medical payments, and a variety of other coverages.
House & Property insurance covers your home on an open perils basis. This means the structure of your home is insured for damage from any event except for those listed as exclusions in your policy. Our House & Property insurance doesn’t cover the following events:
Because our House & Property insurance is so flexible, it’s appropriate for people who:
Our House & Property insurance is designed for traditionally built and modular homes – although some unconventional homes like log homes and barndominiums may be eligible. Manufactured homeowners, however, should check out our mobile home insurance.
You can further customize a House & Property policy with endorsements that modify your coverage by adding, removing, or otherwise changing your coverage. For example, you may be able to add various endorsements that:
This list represents only some of the optional coverages available for our House & Property insurance policy. Contact us to learn more.