Homeowners Choice Insurance Review

homeowners choice insurance review

Homeowners Choice Insurance Review: What Customers Say

This Homeowners Choice Insurance review will explore customer reviews and average premium to help you make informed decisions when shopping for the best home insurance in Florida. We’ll also share Kin’s customer data and premium information so you can easily compare.

Homeowners Choice Insurance is a Florida insurance carrier with just over 3 percent of the state’s market share for home insurance premiums. It offers homeowners, condo, flood, and landlord insurance, and is rated A, Exceptional, by Demotech.

Homeowners Choice Insurance vs. Kin on Customer Reviews

Homeowners Choice Insurance has a two-star rating based on 47 reviews on Google Reviews. Combing through these reviews reveals some trends in the company’s service.

Recent reviews are critical underwriting and pricing. Other reviews note long wait times on claims. To its credit, Homeowners Choice Insurance responds to recent negative reviews.

On the other hand, Kin has more than 750 customer reviews on Trustpilot with an average rating of 4.8. That’s an overwhelming number of happy customers. We encourage all customers to leave honest reviews – we think they are great tools for honing what we already do well and continuously improving.

Our reviews cite our team’s expertise, professionalism, and friendliness. Many report saving more than $500 when they switched.

Bottom line: Responsiveness and listening to customers are essential to great service.

Homeowners Choice Insurance Average Premium

Homeowners insurance in Florida is expensive. The state is prone to serious hurricane and flood damage, and the price of homeowners insurance reflects that ever-increasing risk. But that doesn’t mean you can’t find affordable options.

Premiums vary dramatically based on the value and age of you home, as well as its location. But to give you an example, we looked at statewide average costs for a $300,000 newly built home. Our average premium for such a home is $1,354 a year. Homeowners Choice is $2,979.

That’s 112 percent more expensive than ours.

Average Annual Premium Comparison
Value of Home
$300k New Build

Keep in mind that average premium is just an illustration – the only way to know what you’ll pay for coverage is to get a quote. It’s worth noting that all Kin policies include hurricane insurance. We know how important it is to keep your home properly protected for wind damage.

Homeowners Choice Insurance Claims

Ideally, an insurance company would shine at claims time. It’s the first opportunity to deliver on the promise made by the policy. A customer pays premiums for years, and when they do experience a covered loss, they are right to expect good, fair service.

But that starts with explaining the coverage appropriately when the policy is sold. When customers understand what losses are covered, there are fewer disappointments during claims. It’s also important to respond to claims quickly. Some customer reviews are critical of Homeowners Choice Insurance in that regard.

Kin is committed to showing up for our customers, especially when they need us most. We check in on our customers before and after a storm. We use technology to assess losses quickly and streamline payments. We also keep policyholders informed throughout the process.

We also want homeowners to be able to get their repairs done quickly and professionally. We established the Managed Repair Network to help customers choose a vetted contractor to handle their repairs. We only work with licensed, insured, local contractors with a track record for excellence.

Learn more about how we can help you get more coverage for less. Get a quote today.

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