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 $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.
We help Texans find coverage across the entire Lone Star State, including in these major cities.
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.
The average cost of home insurance in Laredo is typically lower than the Texas state average, which is $4,786 per year according to the latest data available from the Consumer Federation of America. Laredo’s dry climate and limited hail or hurricane exposure compared to other Texas cities contribute to generally lower premiums.
Insurers consider a range of variables when determining premiums in the Laredo area:
Risk of wind damage and severe thunderstorms
Condition and age of the roof and structure
Home construction materials and compliance with modern codes
Crime rates, including burglary or vandalism in the neighborhood
Access to nearby fire departments and hydrants
Your credit history and claims history
History of prior claims on the home or in the surrounding area
Dwelling coverage. Should reflect the total cost to rebuild your home with current construction prices in Laredo.
Other structures coverage. Typically set to at least 10% of your dwelling coverage, but additional coverage may be needed if the replacement value of detached structures, like a garage or workshop, exceeds that limit.
Personal property coverage. Usually, 50–70% of your dwelling coverage to protect items like furniture, appliances, and clothing. A home inventory can help ensure you're properly insured.
Liability insurance. Choose a limit that fully protects your financial assets, including investment accounts, real estate equity, and savings.
Medical payments coverage. Generally provides $1,000 to $5,000 for minor injuries sustained by guests on your property, regardless of who is at fault.
Flood damage
Termite or pest infestations
Foundation movement unless directly linked to a covered peril
Normal wear and tear of components, systems, or material
Water backup or sewer overflow unless specifically endorsed
Water backup and sump overflow coverage
Extended replacement cost to help offset rising construction prices
Ordinance or law insurance to rebuild up to current code standards
Flood insurance if your home is located near drainage areas or low elevations
Homeowners insurance is not legally mandated by the state of Texas, but nearly all mortgage lenders will require proof of coverage before approving a loan. If your property is located in a flood-prone area, your lender may also require a separate flood insurance policy.
Even if you own your home outright, maintaining a comprehensive homeowners policy can protect you from costly losses due to fire, weather, or liability claims.
}}?auto=webp&width=590&height=390&crop=59:39)