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.
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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 annual cost for home insurance in Texas is $4,786 according to the latest data available from the Consumer Federation of America. Coverage in El Paso is generally lower than in most major cities in Texas due to its relatively dry climate, low risk of hail, and fewer natural disaster claims.
However, your premium will depend on several factors unique to you and your property. Get a quote to determine how much you’ll pay for home insurance in El Paso.
While El Paso is less storm-prone than other Texas cities, insurers still evaluate several key risk factors:
Age and construction quality of your home
Roofing material and resistance to high winds or fire
Proximity to fire stations and hydrants in your ZIP code
Claims history in the neighborhood or on the property
Crime rates related to vandalism or burglary
Materials used in home construction, such as stucco vs. brick
You’ll want a policy that reflects local construction costs and protects the full scope of your property:
Dwelling coverage. Should be high enough to cover the cost of rebuilding if your home is destroyed.
Other structures coverage. Applies to detached structures, such as garages, fencing, or patios, and is often set to 10% of your dwelling insurance. Evaluate your property to determine if you need more coverage.
Personal property coverage. Usually starts at 50% of your dwelling limit, but you may need more. A detailed home inventory can ensure you're covering the true value of your belongings.
Liability insurance. Should be robust enough to shield your real estate holdings, financial accounts, and retirement assets in case of a legal claim.
Medical payments coverage. Covers guest injuries on your property, even if you're not legally at fault. It’s usually set to $1,000 or $5,000.
Although policies cover many perils, there are some standard exclusions El Paso homeowners should know about:
Flood damage
Damage from pests, including termites and rodents
Earthquake or land subsidence
Most instances of mold or rot
Damage caused by neglect or poor maintenance
Given El Paso’s dry climate and risk of soil shifting or drought-related damage, the following optional policies may be worthwhile:
Flood insurance if your property is in a flood-prone area
Extended replacement cost to account for material inflation after a disaster
Ordinance or law coverage for bringing repairs up to code
Water backup protection for homes with basements or older plumbing
Texas does not require homeowners to carry insurance by law, but lenders financing a mortgage will typically require it as a condition of the loan. Although El Paso is less vulnerable to natural disasters than many parts of the state, maintaining homeowners coverage is a smart investment that protects your financial well-being against fire, theft, liability lawsuits, and other unexpected events.
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