Homeowners 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 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.

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!