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 $4,700 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.
Home insurance rates in Lubbock are often, but not always, slightly lower than the state average, which is $4,786 per year according to the latest data available from the Consumer Federation of America. 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 may pay for a policy.
Insurance companies assess a set of local and property-specific criteria when setting Lubbock rates:
Age, condition, and impact resistance of the roof.
Type of home construction materials (wood-frame, brick, etc.).
Proximity to fire stations and availability of hydrants.
ZIP-code-based crime rates that may influence theft-related pricing.
Credit-based insurance score.
Claims history
Dwelling coverage. Should reflect 100% of the cost to rebuild your home using local construction labor and materials.
Other structures coverage. Typically set at 10% of your dwelling coverage; increase if you have substantial external structures like a workshop or detached garage.
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.
Liability insurance. Limits should protect your assets, including real estate holdings, bank accounts, and investment portfolios.
Medical payments coverage. Commonly provides $1,000 to $5,000 in coverage for guest injuries occurring on your property, regardless of fault.
Flood damage
Termite or rodent infestations
Foundation movement unless linked to a covered peril
Gradual wear and tear or damage from neglect
Water backup or sewer overflow unless added as an endorsement
Water backup coverage for sewer and sump pump overflow endorsement
Extended replacement cost to handle rising construction costs and labor shortages
Ordinance or law coverage to rebuild according to updated building codes
Flood insurance if your property is in an area at risk for flood activity
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.
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