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 $3,182 per year in San Antonio, 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 San Antonio, the average cost of home insurance is $3,182 per year according to the latesst data available from the Consumer Federation of America. While the city is less prone to hurricanes than coastal regions, it still faces risk from hailstorms, heavy rainfall, and localized flooding, which can contribute to elevated premiums.
Insurance companies look at several key details when pricing policies in San Antonio:
Hailstorm and wind event frequency in Bexar County
Roof condition and resistance to impact damage
Age and construction quality of the home
Proximity to fire stations and emergency services
Property crime rates in specific neighborhoods
Policyholder’s credit-based insurance score
Past claims associated with the home or surrounding area
To determine appropriate coverage levels, homeowners should consider both local rebuilding costs and personal asset protection:
Dwelling coverage. Should equal 100% of the cost to rebuild your home using current materials and labor.
Other structures coverage. Typically set to 10% of your dwelling limit to provide financial protection for other structures on your property, such as sheds and detached garages on your property. You may need more coverage depending on the replacement cost of structures.
Personal property coverage. Typically at least 50% of your dwelling limit, designed to cover clothing, electronics, and furniture. Completing a home inventory can help ensure you’re adequately protected.
Liability insurance. Should be enough to protect your financial assets, including savings, real estate, and investment accounts, if you're held legally responsible for injuries or damages.
Medical payments coverage. Offers protection for guests injured on your property (regardless of who is at fault), with common limits ranging from $1,000 to $5,000.
Standard home insurance policies have exclusions that homeowners should be aware of:
Damage caused by flooding (requires a separate flood policy)
Termite or rodent infestations
Gradual wear, tear, and lack of maintenance
Mold due to long-term water intrusion
Foundation movement unless specifically endorsed
See your policy agreement or contact your insurer for full details about exclusions and limitations.
Due to the frequency of hail, thunderstorms, and urban development challenges, these add-ons can help improve your protection:
Wind and hail coverage if excluded or limited by your home insurance policy
Water backup or sump overflow endorsements
Ordinance or law protection for older homes needing code upgrades
Extended replacement cost coverage to increase your dwelling coverage
There is no statewide mandate in Texas requiring homeowners to carry insurance, but lenders will almost always require it before approving a mortgage. If you financed your home, you’ll likely need to keep a policy until you pay off the mortgage.
Even if you’ve paid off your home, keeping an active policy in place is a smart safeguard against unexpected damages and liability exposure.
}}?auto=webp&width=590&height=390&crop=59:39)