Home Insurance Quotes

Get a home insurance quote in two clicks. 

What Is Homeowners Insurance?

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.

Let’s see how home insurance works in more detail. If you have a condo, skip over here to learn about our condo insurance.

What Does Home Insurance Cover?

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:

  • Fire/smoke damage
  • Hurricanes
  • Hail
  • Lightning
  • Theft
  • Water damage from burst pipes and appliance flooding

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.

What Does Homeowners Insurance Not Cover?

Homeowners insurance policies typically don’t cover damage or loss caused by:

  • Earthquakes
  • Flooding
  • General wear and tear
  • Negligence (or lack of regular and proper maintenance)
  • Business liability

To get coverage for flood damage to your home caused by storm surges, you’ll need flood insurance.

Understanding Your Home Insurance Quote

Once you enter your address on our site, you’ll get a home insurance quote. The overview screen will display your coverage options.

Kin home insurance quote

You can adjust your coverage amounts in real time and see how the changes impact your policy price.

Our home insurance quote shows you:

  • Coverage for your home. Your quote displays coverage for replacing your home (i.e., your dwelling coverage) and other structures (e.g. shed, garage, or guest home).
  • Personal liability and personal property. Choose the amount of coverage for your personal liability coverage and your belongings like your furniture, electronics, jewelry, and clothing.
  • Standard and hurricane deductibles. In coastal areas, homeowners will have both a standard deductible (a flat dollar amount) and a hurricane deductible (a percentage of your dwelling coverage – from 2 to 10 percent).
  • Estimated annual premium. This is the estimated yearly amount you’ll pay for coverage from Kin based on your home’s characteristics and your coverage selections.

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 Georgia, Florida, and Texas, but we're expanding quickly!

Learn about Home Insurance Where You Live

Get the scoop on risks specific to your state and how to find good coverage in your area.

Types of Home Insurance Policies

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).

Protect What You Care About

Get a home insurance quote in seconds.