When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
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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
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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.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Plano?
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 Plano
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 Plano home insurance
What’s the average cost of home insurance in Plano?
On average, Kin customers pay $1,702 per year for $300,000 in dwelling coverage for home insurance in Texas. Since Plano is in North Texas, rates are typically lower than they are for properties along the coastline. However, your home insurance premium will depend on several factors, including the age, size, and composition of your home.
The best way to find out how much you’ll likely pay for home insurance in Plano is to get a quote.
What factors affect home insurance premiums in Plano?
Several region-specific factors influence the cost of coverage in Plano:
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Exposure to frequent hailstorms and severe thunderstorms
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Type and age of roof materials used on the home
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Proximity to emergency services and hydrants
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Your claims history, the claim history of your property, and local claims patterns
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Crime rates impacting theft-related coverage
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Your credit-based insurance score
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Age and structural integrity of the home
How much home insurance do I need in Plano?
A well-rounded policy in Plano should account for rebuilding costs and long-term asset protection:
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Dwelling coverage. Should match the full reconstruction cost of your home using current Plano-area labor and materials costs.
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Other structures coverage. Protects non-attached elements like gazebos, fences, or carports and is usually set to 10% of your dwelling coverage. You may need more coverage if the replacement cost value of the structures on your property exceed that amount.
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Personal property coverage. Typically set to at least 50% of your dwelling limit. Creating a room-by-room home inventory can help determine if you need more.
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Liability insurance. Carry enough liability insurance to protect your financial interests, such as real estate, savings, and other investments.
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Medical payments coverage. Typically set at $1,000 to $5,000 to provides reimbursement for small medical claims made by guests injured on your premises.
What does home insurance not cover in Plano?
Plano homeowners should understand which hazards are excluded from standard policies:
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Flood damage
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Damage from termites or other invasive pests
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Replacement of materials, components or systems damaged by wear or deterioration due to age
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Land movement, such as sinkholes and earthquakes
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Water backup, such as those caused by sewer backups or failed sump pumps
What additional coverages should Plano homeowners consider?
Because of seasonal hail and occasional foundation concerns, consider the following enhancements:
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Extended replacement cost coverage
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Flood insurance
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Sewer and drain backup protection
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Wind damage coverage if not included in your policy
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Ordinance or law coverage for full code-compliant repairs
Is home insurance required in Plano?
While Texas law does not require homeowners insurance, it is a standard requirement for mortgage agreements. Lenders will require proof of coverage for the life of the loan, and many may suggest or require supplemental protections. Even if your home is paid off, keeping a solid homeowners insurance policy in place is critical for protecting yourself financially from disaster-related loss or lawsuits.
