Homeowners insurance protects your home and your belongings. An HO3 home insurance policy covers:
In exchange for your premium (the price of your policy), your insurance provider pays for certain damages, sparing you from a large bill when disaster strikes.
You typically are required to have home insurance if you have a mortgage. Even if you don't have a mortgage, homeowners insurance is a necessary financial safety net to protect your home.
These are the types of protection a typical home insurance policy offers. Click the icons below to learn what each part of your policy covers (and excludes) in more detail.
The dwelling coverage portion of a standard homeowners insurance policy pays to repair or rebuild your home’s physical structure, such as walls, floors, roof, windows, support beams, and foundation if your home is damaged by a covered event (fire, wind, theft, etc.).
Home insurance also covers other structures on your property: your detached garage, fence, shed, and more.
Personal property coverage protects your stuff—things like electronics, furniture, and clothing—anywhere in the world.
If a covered claim makes your home uninhabitable, your Kin policy can help pay for extra living expenses, such as lodging, food costs, and more.
Even careful people get sued! Personal liability coverage can help pay for your legal expenses if you're held responsible for another person's injury or property loss.
The dwelling coverage, personal property coverage, and other structures coverage in your homeowners policy can typically cover damage to your home, belongings, and garage / shed / driveway caused by:
When one of these events damages your home, property, or insured structured, your homeowners policy from Kin can pay for their replacement cost. Replacement cost coverage offers the amount it costs to repair your home or replace belongings with the same or similar quality materials or items. This kind of payout gives you greater flexibility when getting your life back in order following a disaster.
Homeowners insurance policies typically don’t cover damage or loss caused by:
To get coverage for flood damage to your home caused by storm surges, you’ll need flood insurance
Once you enter your address on our site, you’ll get a home insurance quote. The overview screen will display your coverage options.
Our home insurance quote shows you:
Whether you’re a first-time homebuyer or are in the process of moving into another home, our approach to insurance can help you get covered quickly and save money on your insurance.
Enter your address here to get a quote today. We currently only offer insurance in Florida, Texas, Georgia, and Alabama, but we're expanding quickly!
Click the guides below to learn about the cost of homeowners insurance and how much deductibles are.
Get the scoop on risks specific to your state and how to find good coverage in your area.
These are the different forms insurance companies use to write home insurance policies. Learn what they mean for your coverage (spoiler: Kin offers HO-3 policies for typical homes).
An HO1 policy covers an owner-occupied, standalone home and its contents against 10 named perils.
Sometimes called the broad form, an HO2 policy can cover your home and personal property against 16 named perils.
An HO3 policy is the most common type of homeowners insurance that covers your home, other structures, and personal property on an open-perils basis.
An HO5 policy, also called the comprehensive form, is a type of home insurance written on an open-perils basis.
HO6 policies (condo insurance) protect the parts of your dwelling that most master insurance policies don’t cover, such as appliances, fixtures, walls, floors, the ceiling of the unit, personal property within your home, and your personal liability.
An HO8 policy, also called the modified coverage form, is home insurance for older buildings where the replacement costs outweigh the market value.