When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
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 Austin?
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 Austin
Kin customers pay an average of $1,702 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 Austin home insurance
What’s the average cost of home insurance in Austin?
On average, Kin customers pay $1,702 per year for $300,000 in dwelling coverage for home insurance in Texas. Rates in Austin may be lower, reflecting its lower hurricane risk and relatively newer housing stock, though rates are still affected by hail, wildfire threats, and rising construction costs.
What factors affect home insurance premiums in Austin?
Austin homeowners may see premiums vary based on a number of localized factors.
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Roofing material and age
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Structure’s age and building code compliance
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Crime trends, particularly property-related incidents
Distance from fire stations or hydrants -
Insurance-based credit score
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Your claims history as well as claims activity in the ZIP code or neighborhood
How much home insurance do I need in Austin?
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Dwelling coverage. Should be enough to cover 100% of the cost to rebuild your home if it’s destroyed.
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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.
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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.
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Liability insurance. Set high enough to protect your total assets, including investment portfolios, bank accounts, and home equity.
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Medical payments coverage. Common limits are $1,000 to $5,000, used to pay for guest injuries on your property.
What does home insurance not cover in Austin?
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Flood damage
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Mold or rot from chronic leaks or poor ventilation
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Termites, rodents, or other pests
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Earth movement or sinkholes unless specifically endorsed
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Damage due to general wear or neglect
What additional coverages should Austin homeowners consider?
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Water backup protection
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Ordinance or law coverage for rebuilds that must meet newer code requirements
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Extended replacement cost coverage
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Flood insurance if your property is in an area at-risk of flooding
Is home insurance required in Austin?
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.
