Hurricanes & tropical storms
Hurricane damage is one of the biggest drivers of Florida homeowners insurance rates. Florida policies typically carry a separate hurricane deductible, so it’s worth understanding your terms before storm season.
We insure in all Florida counties
Homeowners insurance, built for Florida homes
Affordable home insurance built for Florida’s hurricanes, wind, and storms. Get your homeowners insurance quote online, then unlock additional savings when you bundle home + auto.
Takes about 3 minutes
No SSN required
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4.87/5BBB
Florida Discounts
Home + Auto Bundle
New in Florida. Bundle and save on both.
Available
Early Quote Discount
Shop early, lock in a lower rate.
Available
Wind Mitigation Credits
Impact-resistant windows or a new roof could lower your rate.
Available
See your potential savings
Here’s what Florida homeowners save with Kin.
Get affordable homeowners insurance in Florida, priced around your home, not a one-size-fits-all policy. We added new discounts, launched home + auto savings, and updated pricing. If Kin was too expensive before, your old quote may no longer reflect today’s price.
See how much you could save →$1,0581
Average savings per year
New in Florida
Bundle home and auto insurance in Florida, save on both.
Kin offers auto insurance in Florida. Bundle your homeowners and car insurance with one company and you could save on both policies.
- Up to 10% off home insurance,3 up to 20% off auto insurance3
- One call when a hurricane hits your house and your car
- 24/7 claims support: file online or by phone
- Licensed agents who are easy to reach and ready to listen
- Customizable coverage built for Florida
Your combined annual premium
$3,492
$3,001
You save up to $491/yr by bundling
Home$2,293 → $2,069
Auto$1,199 → $932
Sample quotes for illustration purposes only. Actual premiums vary.
Built for Florida’s real risks
The weather that actually shapes your Florida home insurance rate.
Florida homeowners face risks most states don’t: hurricanes, tropical storms, windstorms, and flooding, often all in the same season. Kin prices Florida home insurance around the risks your home actually faces.
Windstorm & wind damage
Wind coverage is part of a standard Kin Florida homeowners policy, not a separate windstorm insurance policy you have to buy on its own. Wind mitigation features like impact windows and roof straps may also lower your rate.
Flooding & storm surge
Standard home insurance doesn’t cover floods. To round out your protection, you could add Kin flood coverage.
Coastal & older homes
Coastal property and older Florida homes may face higher premiums or more difficulty getting covered. Kin works with homeowners in hurricane-prone and coastal areas to create coverage that meets their needs and their budget.
Understanding Florida rates
Why home insurance is so expensive in Florida, and what you can do about it.
Florida home insurance rates vary by county, ZIP code, home age, roof, construction, and hurricane risk. Rates have gone up across Florida in recent years, and homeowners nationwide have felt the same pressure. Kin builds coverage around your home’s actual risk profile, providing you with the coverage you need at a price that works for you.
National context2
82%of U.S. homeowners expect premiums to rise in 2026²
24%avg. premium increase, 2021–2024²
70%say insurance costs weigh more heavily on their budget than 5 years ago²
Coverage built for your home, not just the average house
Set coverage limits that match your home’s real value, so you’re not overpaying for coverage you don’t need or underinsured on the risk you actually have.
Florida discounts that lower your rate
You could save with wind mitigation features, home security and fire alarms, water leak detection, a claims-free history, going paperless, and Kin’s Early Quote Discount for getting a quote at least 7 days before you need coverage to start.
Support if you’ve been non-renewed or dropped
If your insurance company dropped you or didn’t renew your policy, Kin’s licensed agents are there to walk you through your options, including harder-to-place homes.
Clear answers, no surprises
You’ll always know what’s covered and what’s not before you need to file a claim, not after.
If you’ve been dropped or non-renewed
Non-renewed, dropped, or have limited options in Florida?
Florida’s home insurance market can be challenging. Some homeowners may face non-renewal letters, higher prices, or difficulty finding homeowners insurance at all. If that’s you, here’s a look at what’s happened in the market in the last few years, and where Kin may be able to help.
What’s happening in Florida
A few years ago, hurricane losses, litigation, and rising rebuilding and reinsurance costs led several insurance companies to leave Florida or cut back. During that period, many homes landed with Citizens Property Insurance, Florida’s state-backed insurer of last resort.
Where Kin may fit in
Kin is a private insurer that offers coverage in every Florida county, including hurricane-prone areas. Before you settle for a last-resort policy, talk to a licensed Kin agent to explore your customized options.
Got a non-renewal notice?
Don’t wait until your current policy is expiring. Have your declarations page handy, then get a quote online or call a licensed agent to check out your options. Getting a quote at least a week before you need coverage to start could also earn you Kin’s Early Quote Discount.
Get my Florida quote →Call (855) 717-0022
Built for Florida homes
How Kin helps you protect your Florida home.
Clear guidance from licensed agents, and homeowners insurance built around how and where you live.
Customizable coverage limits
We customize your policy to fit your home, whether it’s an older home, a new build, a high-value coastal home, or anything in between, to help you avoid paying more than you need to.
Fast, easy online quotes
You could get a home insurance quote in minutes with Kin. Get started online or by phone. Whatever works best for you.
Quick to get covered
Many homeowners who want to lock in coverage with Kin are able to complete the process the same day. It’s especially helpful when you’re closing on a house or replacing a non-renewed policy.
Coverage for harder-to-insure homes
Whether you own an older home, a manufactured or mobile home, or a high-risk home in a hurricane-prone area, Kin could still help you access the coverage you need.
Landlord & rental property coverage
Get dwelling fire and landlord (DP3) insurance for Florida rental and investment properties: protection built for what you own, not just where you live.
Real people on the phone
Reach licensed agents who are ready to help. No endless menus.
From quote to covered
How to get Florida home insurance with Kin.
Get your quote. Enter your address and we pull your property data automatically. Quotes only take minutes.
Pick and customize your coverage. Choose from three quote options with real prices, then set your deductible, coverage, and add-ons.
Lock in your coverage. Many homeowners are able to lock in coverage with Kin the same day they get a quote.
Manage everything online. Update your policy and check your documents, all in one place.
Pick the quote that's right for you
The Basics
Kin Basics
50% of people chose this
$1,788/yr
Dwelling$385,000
Liability$100,000
View and Customize
Our Best Value
Kin Plus
45% of people chose this
$2,111/yr
Dwelling$385,000
Liability$300,000
View and Customize
Enhanced Protection
Kin Premium
5% of people chose this
$3,733/yr
Dwelling$385,000
Liability$500,000
View and Customize
Buying your first home in Florida?
Home insurance for first-time buyers and new homeowners in Florida.
Many mortgage lenders require proof of homeowners insurance before your loan can close, and your policy generally needs to be in place on or before your closing date. If this is your first home purchase in Florida, here’s what to expect.
Mortgage
Meeting your lender’s requirements
Lenders, including FHA lenders, typically set minimum coverage requirements as a condition of your mortgage. A licensed Kin agent could create a policy that fits what your lender requires.
Closing
Timing your policy with closing
Many mortgage lenders will require you to have an insurance policy in place before you close on a home. Kin’s process is quick and easy, from quote to coverage. Get a quote online. Customize the coverage to fit your needs. Secure the keys.
Escrow
Understanding escrow
If your lender escrows your home insurance, your premium is typically rolled into your monthly mortgage payment and paid from your escrow account directly to your insurer. Ask your lender and your Kin agent how that would work for your loan.
Retired or on a fixed income?
Homeowners insurance for Florida seniors and retirees
Whether you’ve retired to Florida, you’re an empty nester, or you’re living on a fixed income, Kin’s customizable coverage limits help you avoid paying for coverage you don’t need. Florida discounts for being a mature homeowner (age 50+), wind mitigation, home security, and a claims-free history could lower your rate further.
Get a quote online or talk with a Kin agent today to see how much you could save when you stack your discounts.
Coverage for how you live
Kin insurance products available in Florida.
One team for every kind of home you own.
Owner-occupied homes
Homeowners Insurance
You get more than coverage: you get a team that follows through. Kin provides Florida homeowners insurance that puts you in control, built for your specific home.
- Transparent coverage, no fine-print surprises
- Fast claims handling with reporting available 24/7
- Communication before, during, and after major storms
- Continued service in hurricane-prone and coastal areas
Rental & investment
Landlord Insurance
Safeguard your Florida rental property and the people who count on it, with dwelling fire and DP3 policies.
- Flexible coverage for one rental property or several
- Simple policy management online
- Dedicated support team
- Coverage personalized to your properties and priorities
Manufactured & mobile
Manufactured & Mobile Home Insurance
Manufactured home insurance in Florida from Kin protects manufactured and mobile homes with steady coverage and proven support through every season.
- Specialized coverage built for manufactured homes
- Affordable, fair pricing
- Simple, personalized protection you can understand
- Help just a call away when you need it
New in Florida
Auto Insurance
Bundle home and auto and save on both. Call us today to get an auto insurance quote.
Call 855-717-0022From the Panhandle to the Keys
Coverage for coastal, seasonal, and vacation homes in Florida.
Florida homes aren’t one-size-fits-all. Coverage needs look different: on the coast, for a second home you use part of the year, or for a property you rent out.
Coastal & waterfront homes
Coastal property in Florida faces its own mix of risk: hurricanes, storm surge, and wind. Kin works with homeowners in coastal areas to create coverage that fits, and flood coverage may be added to your policy.
Second & seasonal homes
Whether it’s your full-time residence or a winter home you visit part of the year, how a home is used and occupied affects your coverage. Talk to a licensed Kin agent about whether you need more than a standard policy.
Renting it out short-term?
If you’re an Airbnb host in Florida or list your home on another vacation rental platform, standard homeowners or landlord coverage may not automatically extend to short-term rental use. Ask a Kin agent whether how you use your home requires a different type of policy.
Shopping made simple
Compare home insurance quotes, without the hassle.
Kin was built to make insurance easy, from understanding your policy to getting the coverage you need.
| The step | How it works with Kin |
|---|---|
| Getting a quote | Online in minutes |
| Inspection | Self-inspection available, 10–15 min |
| Coverage limits | Customized to your home |
| Reaching an agent | Real people, with you in minutes |
| Getting a policy | Many homeowners lock in coverage the same day they get a quote |
| Home and auto insurance | One company, one call, multiple discounts (up to 10% off home,3 up to 20% off auto3) |
| Understanding your policy | Our agents are available to help every step of the way |
Committed to Florida
Top-rated home insurance, here for Florida.
Kin was made for homes like yours, and we reach out before, during, and after major storms to make sure you’re okay.
- USA TODAYAmerica’s Most Trusted Brands 2026
- USA TODAYBest Customer Service, Financial Services 2026
- DemotechFinancial Stability Rating® (FSR) of A, Exceptional
What Florida homeowners say
Real reviews from Florida Kin customers.
“I'm delighted to now bundle my car insurance and my house insurance for a better rate on both of them, with Kin.”
“The best service and help I've ever had. Quick to answer the phones, answer any questions I had, lower my rate and increased my coverage!”
“Great customer service, this has been the best decision ever to use them for my homeowners insurance. Anytime I call they are fast to help, extremely knowledgeable, and able to answer all of my questions quickly.”