California home insurance that doesn't run from risk.
Wildfire zone? High-risk ZIP code? We can still help you find coverage for your home. Get a quote in minutes.
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Built for California
Find coverage easily where it's usually the hardest.
Wildfire zones welcome
High fire-risk ZIP code? We can still help you find a policy that works for you.
FAIR Plan gap coverage
The FAIR Plan only covers fire. We can help you add coverage for everything it leaves out, like theft, water damage, and liability.
Fully customized protection
California homes are unique. Get coverage built around yours.
Covered in 3 simple steps
You can do it yourself online or talk with us over the phone. Either way, it's easy.
Tell us about your home.
Answer a few basic questions and we'll generate your quote in minutes.
Personalize your policy.
Customize coverages, limits, and deductibles to fit your home.
Get covered.
Sign online, or let a licensed agent walk you through it on the phone.
Protection against California's top risks
Coverage that can be customized to what your home actually faces.
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 check in.
Support on standby
Reach us by phone or online in your customer portal, any time.
4.9-star care
Our customer experience is backed by thousands of positive reviews. Kin* agents are ready to help you find coverage that fits.
Review ratings are from Trustpilot as of September 2026.
We've got California covered.
Including in these major cities and everywhere in between.
California home insurance FAQs
What are the Safer From Wildfires requirements for a discount?
You need at least one qualifying home-hardening improvement, like clearing combustible material from under your deck or installing a Class A fire-resistant roof. Additional projects can increase your discount.
What is a DIC policy, and do I need one with the FAIR Plan?
A DIC (difference in conditions) policy wraps around your FAIR Plan fire coverage with the other protections a standard policy includes, like liability and non-fire perils. If the FAIR Plan is your only source of fire coverage, a DIC policy fills in the rest.
Does California home insurance cover earthquake damage?
No, standard policies exclude earthquakes. However, California insurers must offer earthquake coverage through the California Earthquake Authority every other year, though deductibles can run as high as 25% of your dwelling coverage.
How does the 2026 Sustainable Insurance Strategy affect my rates?
It varies by case. FAIR Plan policyholders and homes meeting wildfire mitigation standards may see lower premiums or discounts. Others may see increases in the short run as the market adjusts to new risk models.
Why is my California home insurance being nonrenewed?
Nonrenewal is often tied to elevated local risk, like wildfire exposure, prompting insurers to pull back in an area. It can also come from an aging roof or missed payments. When in doubt, ask your insurer directly.