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.
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.
In Texas, the average home insurance premium is $4,786 per year according to the latest data available from the Consumer Federation of America. 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.
Several region-specific factors influence the cost of coverage in Plano:
Exposure to frequent hailstorms and severe thunderstorms
Type and age of roof materials used on the home
Proximity to emergency services and hydrants
Your claims history, the claim history of your property, and local claims patterns
Crime rates impacting theft-related coverage
Your credit-based insurance score
Age and structural integrity of the home
A well-rounded policy in Plano should account for rebuilding costs and long-term asset protection:
Dwelling coverage. Should match the full reconstruction cost of your home using current Plano-area labor and materials costs.
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.
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.
Liability insurance. Carry enough liability insurance to protect your financial interests, such as real estate, savings, and other investments.
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.
Plano homeowners should understand which hazards are excluded from standard policies:
Flood damage
Damage from termites or other invasive pests
Replacement of materials, components or systems damaged by wear or deterioration due to age
Land movement, such as sinkholes and earthquakes
Water backup, such as those caused by sewer backups or failed sump pumps
Because of seasonal hail and occasional foundation concerns, consider the following enhancements:
Extended replacement cost coverage
Flood insurance
Sewer and drain backup protection
Wind damage coverage if not included in your policy
Ordinance or law coverage for full code-compliant repairs
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.
}}?auto=webp&width=590&height=390&crop=59:39)