Kin delivers affordable home and property insurance to Alabama homeowners

Rapidly expanding insurtech delivers customized and accurately priced coverage to meet the specific needs of residents across the state

CHICAGO, IL – June 12, 2023 – Kin, the direct-to-consumer home insurance company built for every new normal, today announced its expansion into Alabama. Building upon Kin’s success in Florida and other coastal states, where it insures nearly $45 billion in assets, Kin is continuing its mission to deliver affordable and comprehensive coverage to people living in the catastrophe-prone areas that need it most. 

Alabama is ranked fourth in the U.S. for tornadoes, large hail, and damaging wind reports. Furthermore, the state's position near the coast leaves residents susceptible to record-breaking natural disasters such as hurricanes. These factors have contributed to average home insurance rates in Alabama being around 15% higher than the national average, making it challenging for many residents to find necessary coverage to protect themselves from the elements. 

“We’re re-engineering insurance so that it’s cost-effective and superior through every step of the customer journey, including purchasing, servicing, and claims,” said Sean Harper, CEO of Kin. “Driving this effort is our proprietary technology which we use to accurately price and assess risk, and then combine with personalized, high-touch assistance to customize policies that suit customers’ needs.” 

On average, traditional insurers spend 15% of their premiums on commissions for outside agents, plus additional costs to maintain and support the agents. Kin has created a better way of selling and servicing policies; it has eliminated administrative and agent-related expenses with a direct line to the consumer so it can save people money and address and triage issues immediately. From quote to claim, everything Kin does is designed to deliver the best possible experience for the customer.

Alabama joins South Carolina and Mississippi as the first states where Kin is offering coverage through its new reciprocal exchange, the Kin Interinsurance Nexus Exchange, which has a Financial Stability Rating of A, Exceptional, from Demotech.

For additional information about Kin’s coverage in Alabama, or to receive a quote, please visit

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing homeowners insurance market. Kin makes homeowners insurance more convenient and affordable by eliminating the need for external agents. Kin’s technology platform delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Behind the scenes, Kin utilizes thousands of data points about each property to provide accurate pricing and produce better underwriting results. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its customers. To learn more, visit


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