Get affordable home insurance in 3 simple steps
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.
What does homeowners insurance cover in Arlington?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Did you know?
Texans can now bundle their home and auto insurance policies with Kin for up to a 20% discount on auto insurance.
Up to 20% potential savings based on filed Texas auto insurance rates for qualifying home + auto bundle customers with Kin Interinsurance Nexus Exchange (NAIC: 33987).
Actual savings and eligibility may vary. Discount applies to auto premiums when both home and auto policies are active. Savings are not guaranteed.
Discounts available in Arlington
Kin customers pay an average of $1,684 per year for home insurance policies with $300,000 in dwelling coverage 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.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Texas covered
We help Texans find coverage across the entire Lone Star State, including in these major cities.
Common questions about Arlington home insurance
What’s the average cost of home insurance in Arlington?
On average, Kin customers pay $1,684 per year for $300,000 in dwelling coverage for home insurance in Texas. 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.
What factors affect home insurance premiums in Arlington?
Insurers assess several risk elements when pricing homeowners policies in Arlington:
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Hailstorm frequency and wind-related damage
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Roof condition, age, and material quality
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Home’s proximity to fire services and emergency responders
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Local crime rates, especially theft or property damage
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Type of building materials used and home age
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Your claim history, as well as prior claims on the property or in surrounding areas
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Your credit-based insurance score
How much home insurance do I need in Arlington?
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Dwelling coverage. Should be equal to the cost to rebuild your home with current local materials and labor.
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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.
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Personal property coverage. Usually between 50–70% of the dwelling limit. A room-by-room home inventory can help you calculate the right amount.
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Liability insurance. Choose limits that cover your financial assets, including retirement funds, property value, and investment accounts.
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Medical payments coverage. Offers $1,000 to $5,000 in coverage for guest injuries without requiring legal liability.
What does home insurance not cover in Arlington?
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Flood damage
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Pest damage from termites or rodents
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Gradual settling or cracking of the foundation
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Routine wear, aging, or deferred maintenance
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Sewer or sump pump overflow unless an endorsement is added
What additional coverages should Arlington homeowners consider?
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Sewer and drain backup coverage
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Flood insurance
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Windstorm insurance (if excluded or limited in your policy)
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Ordinance or law insurance
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Extended replacement cost for rebuild flexibility
Is home insurance required in Arlington?
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.
