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Kin Interinsurance Network is a reciprocal insurance company. Kin Insurance Network Distributor, LLC representatives offer homeowners coverage through policies written on Kin Interinsurance Network paper in certain states. Coverage is subject to the terms and conditions of the policy, availability, and qualification for coverage and may vary by state.

Each customer with a Kin Interinsurance Network policy owns a part of the reciprocal company. That means its interests are fully aligned with policyholders (subscribers) – a Subscribers’ Advisory Committee ensures it.

Kin Interinsurance Network (NAIC 16603), has earned a Financial Stability Rating® (FSR) of A, Exceptional from Demotech, Inc.** and serves Florida. It also serves Louisiana as a surplus lines insurer.

What’s a reciprocal insurance company?

A reciprocal insurance company is a carrier that is owned by policyholders but managed by a separate entity, called an “attorney-in-fact” or AIF. The attorney-in-fact (Kin Risk Management LLC) runs the day-to-day operations of the carrier (Kin Interinsurance Network), such as issuing policies and handling claims.