Homeowners Insurance

What Is Homeowners Insurance? | What Home Insurance Covers | Understanding Your Quote | Home Insurance Where You Live

What Is Homeowners Insurance?

Homeowners insurance protects your home and your belongings. An HO3 home insurance policy covers:

Your dwelling
Other structures, such as your garage, fences, and sheds
Your belongings
Loss of use
Your personal liability
Visitor medical expenses

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 or mobile home, skip over here to learn about our condo insurance and mobile home insurance.

Your Home Insurance Policy at a Glance

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.

Coverage A - Dwelling Coverage

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.).

Coverage B - Other Structures Insurance

Home insurance also covers other structures on your property: your detached garage, fence, shed, and more.

Coverage C - Personal Property Coverage

Personal property coverage protects your stuff—things like electronics, furniture, and clothing—anywhere in the world.

Coverage D - Loss of Use Insurance

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.

Coverage E - Personal Liability Insurance

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.

Coverage F - Medical Payments Insurance

Medical payments coverage, which is part of your homeowners insurance, can help pay for your guests' immediate medical expenses if they're injured at your home.

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 Home Insurance Doesn't 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.

You can customize your coverage option and see how the changes impact your policy price.

Our home insurance quote shows you:

Coverage for your home and other structures. Your quote displays coverage for replacing your home (i.e., your dwelling coverage) and other structures (e.g. shed, garage, or guest home).
Personal property. Choose the amount of coverage for 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 1 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 Florida, Texas, Georgia, and Alabama, but we're expanding quickly!

Let's Talk Dollars & Cents

Click the guides below to learn about the cost of homeowners insurance and how much deductibles are.

Homeowners Insurance Cost

Don't spend more on insurance than you have to. Learn the cost of home insurance and how to keep costs down.

Standard Deductible

At Kin, the following standard deductibles are available: $500, $1,000, $2,500, $5,000, $10,000+.

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.

Florida Homeowners Insurance

Texas Homeowners Insurance

Georgia Homeowners Insurance

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).