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 Lubbock?
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 Lubbock
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 Lubbock home insurance
What’s the average cost of home insurance in Lubbock?
On average, Kin customers pay $1,702 per year for $300,000 in dwelling coverage for home insurance in Texas. Home insurance rates in Lubbock are often, but not always, slightly lower than the state average. Lubbock’s lower rates reflect less exposure to coastal hurricanes and flooding, though exposure to hail, windstorms, and occasional severe weather still drives premiums.
Your home insurance costs will depend on your property, locational risks, coverage needs, credit and claims history, and other factors. Getting a home insurance quote is the best way to determine how much you might pay for a policy.
What factors affect home insurance premiums in Lubbock?
Insurance companies assess a set of local and property-specific criteria when setting Lubbock rates:
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Age, condition, and impact resistance of the roof.
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Type of home construction materials (wood-frame, brick, etc.).
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Proximity to fire stations and availability of hydrants.
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ZIP-code-based crime rates that may influence theft-related pricing.
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Credit-based insurance score.
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Claims history
How much home insurance do I need in Lubbock?
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Dwelling coverage. Should reflect 100% of the cost to rebuild your home using local construction labor and materials.
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Other structures coverage. Typically set at 10% of your dwelling coverage; increase if you have substantial external structures like a workshop or detached garage.
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Personal property coverage. Usually calculated at 50–70% of your dwelling limit to cover belongings such as electronics, clothing, and furniture. A detailed home inventory helps ensure adequate coverage.
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Liability insurance. Limits should protect your assets, including real estate holdings, bank accounts, and investment portfolios.
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Medical payments coverage. Commonly provides $1,000 to $5,000 in coverage for guest injuries occurring on your property, regardless of fault.
What does home insurance not cover in Lubbock?
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Flood damage
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Termite or rodent infestations
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Foundation movement unless linked to a covered peril
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Gradual wear and tear or damage from neglect
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Water backup or sewer overflow unless added as an endorsement
What additional coverages should Lubbock homeowners consider?
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Water backup coverage for sewer and sump pump overflow endorsement
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Extended replacement cost to handle rising construction costs and labor shortages
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Ordinance or law coverage to rebuild according to updated building codes
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Flood insurance if your property is in an area at risk for flood activity
Is home insurance required in Lubbock?
No laws in Texas require carrying home insurance, but almost every mortgage lender will require proof of coverage before issuing a loan. Depending on the property's location and exposure, lenders may also recommend endorsements such as roof replacement or water backup coverage.
Even in the absence of financing, maintaining a homeowners policy offers essential protection against weather damage, liability claims, and expensive repairs from fires or theft.
