Protect your home with top-rated coverage that could save you money.
When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
Texans can now bundle their home and auto insurance policies with Kin for up to a 20% discount on auto insurance.
The average cost of home insurance has increased to $4,786 per year in Texas, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Home & auto bundling - for Texans who bundle their home and auto insurance policies with Kin.
From small claims to disasters, we're here to help you recover quickly.
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
Our licensed insurance experts are available to help via email, phone, or live chat.
We help Texans find coverage across the entire Lone Star State, including in these major cities.
The average home insurance premium in Arlington is often slightly below the Texas state average of $4,786 according to the latest data available from the Consumer Federation of America. Still, the city’s central location in North Texas exposes it to seasonal hail, windstorms, and high summer temperatures, all of which affect insurance costs. The best way to find out how much you’ll pay for home insurance in Arlington is to get a quote.
Insurers assess several risk elements when pricing homeowners policies in Arlington:
Hailstorm frequency and wind-related damage
Roof condition, age, and material quality
Home’s proximity to fire services and emergency responders
Local crime rates, especially theft or property damage
Type of building materials used and home age
Your claim history, as well as prior claims on the property or in surrounding areas
Your credit-based insurance score
Dwelling coverage. Should be equal to the cost to rebuild your home with current local materials and labor.
Other structures coverage. Set at around 10% of your dwelling limit. You may need to increase if the cost to rebuild other structures on your property, such as a detached garage or a large shed, exceeds that limit.
Personal property coverage. Usually between 50–70% of the dwelling limit. A room-by-room home inventory can help you calculate the right amount.
Liability insurance. Choose limits that cover your financial assets, including retirement funds, property value, and investment accounts.
Medical payments coverage. Offers $1,000 to $5,000 in coverage for guest injuries without requiring legal liability.
Flood damage
Pest damage from termites or rodents
Gradual settling or cracking of the foundation
Routine wear, aging, or deferred maintenance
Sewer or sump pump overflow unless an endorsement is added
Sewer and drain backup coverage
Flood insurance
Windstorm insurance (if excluded or limited in your policy)
Ordinance or law insurance
Extended replacement cost for rebuild flexibility
Texas does not have a legal requirement for homeowners insurance, but most lenders will require proof of a valid policy to close on a mortgage. In Arlington and other North Texas cities with a high risk of storm damage, lenders may also suggest or require specific endorsements.
For homeowners without a mortgage, maintaining coverage remains essential to guard against fires, severe weather, and liability risks.
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