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 $3,249 per year in Austin, 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 cost of home insurance in Austin is approximately $3,249 per year according to the latest data available from the Consumer Federation of America. This is lower than the Texas state average and reflects Austin’s lower hurricane risk and relatively newer housing stock, though rates are still affected by hail, wildfire threats, and rising construction costs.
Austin homeowners may see premiums vary based on a number of localized factors.
Roofing material and age
Structure’s age and building code compliance
Crime trends, particularly property-related incidents
Distance from fire stations or hydrants
Insurance-based credit score
Your claims history as well as claims activity in the ZIP code or neighborhood
Dwelling coverage. Should be enough to cover 100% of the cost to rebuild your home if it’s destroyed.
Other structures coverage. Typically set to 10% of your dwelling amount, covering detached garages, fences, and outbuildings. Depending on the replacement value of structures on your home, you may need a higher limit.
Personal property coverage. Generally set to 50–70% of the dwelling limit, designed to replace items such as clothing, tech, and furniture. A home inventory can help ensure you choose the right limit.
Liability insurance. Set high enough to protect your total assets, including investment portfolios, bank accounts, and home equity.
Medical payments coverage. Common limits are $1,000 to $5,000, used to pay for guest injuries on your property.
Flood damage
Mold or rot from chronic leaks or poor ventilation
Termites, rodents, or other pests
Earth movement or sinkholes unless specifically endorsed
Damage due to general wear or neglect
Water backup protection
Ordinance or law coverage for rebuilds that must meet newer code requirements
Extended replacement cost coverage
Flood insurance if your property is in an area at-risk of flooding
Although there is no statewide requirement for homeowners insurance in Texas, mortgage lenders in Austin will almost always require a valid policy before funding a loan. Depending on the home’s location and features, additional coverage such as flood or foundation insurance may also be encouraged. Even if you’re mortgage-free, a homeowners policy is a critical safeguard against catastrophic loss and legal liability.
}}?auto=webp&width=590&height=390&crop=59:39)