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 more than $4,800 per year in Dallas, 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 annual home insurance premium in Dallas is $4,852 according to the latest data available from the Consumer Federation of America. Dallas's rates are slightly higher than the Texas state average, largely due to the region’s history of hailstorms, high winds, and occasional tornadoes. Dallas's dense urban development and extreme seasonal weather patterns can also contribute to higher rebuilding and repair costs.
Insurers weigh several property-related and regional elements when setting premiums in the Dallas area:
Risk of hail and windstorm damage, especially during spring and summer
Roof condition and whether it meets modern wind-resistance standards
Age and structure of the home, including construction materials
Crime statistics in your ZIP code, particularly related to theft or vandalism
Access to fire departments, hydrants, and emergency response times
Your credit history as reflected in your credit-based insurance score
Claim activity in your neighborhood or previous claims on the home
The right coverage amount depends on your home’s size, structure, and the value of what’s inside:
Dwelling coverage. Should match the full reconstruction cost of your home based on Dallas-area building prices
Other structures coverage. Typically set to at least 10% of your dwelling coverage, but you may need more if the value of other structures, such as a detached garage, exceeds that amount.
Personal property coverage. Typically set at 50–70% of your dwelling coverage to protect furniture, electronics, and valuables. A home inventory can help you determine if you need more coverage.
Liability insurance. Choose a limit that can provide adequate financial protection for your assets, including real estate, investments, and savings.
Medical payments coverage. Typically offers $1,000 to $5,000 in coverage for minor injuries that occur in your home, regardless of fault.
While home insurance policies cover many risks, there are common exclusions you should be aware of:
Flood damage, which must be covered under a separate policy
Foundation cracking or settling unless linked to a covered peril
Termites, rodents, or other pest-related damage
Normal wear and tear or deferred maintenance
Water backup or sump overflow without a policy endorsement
Due to the region’s frequent hailstorms and potential for structural shifting, these extra protections are especially valuable in Dallas:
Water backup and sump pump overflow endorsements
Ordinance or law insurance for older homes needing code upgrades
Extended replacement cost coverage
Flood insurance if your property is at risk
Texas does not have a law that universally requires homeowners insurance, but virtually all mortgage lenders will demand proof of coverage before approving financing. For properties in high-risk areas, such as those prone to flooding, lenders may impose additional requirements or recommend policy add-ons
Even for homeowners who own their property outright, maintaining a robust insurance policy is essential for protecting against costly damage from hail, fire, liability claims, or other unexpected losses.
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