Kin brings home & property insurance to Mississippi

Fast-growing insurtech company customizes coverage and saves homeowners time, stress, and money

view of mississippi homes

CHICAGO, IL – April 11, 2023 – Kin, the direct-to-consumer home insurance company built for every new normal, today announced its expansion into Mississippi. Kin is now able to provide Magnolia State residents with an easy, affordable, and personalized insurance experience.

Mississippi is located in the heart of Dixie Alley, an area in the southeast that experiences its fair share of powerful tornadoes. In 2022, Mississippi was hit with 184 tornadoes and ranked third in the nation for tornado activity. Additionally, Mississippi has endured several other natural disasters, including Hurricane Katrina and Hurricane Ida, which have contributed to $1 billion in damages since 1980. The increasing frequency and severity of storm activity in Mississippi has led to most of the state’s population seeing higher-than-average home insurance rates.

“Kin is taking on a 100+ year old industry and modernizing it with technology and the eagerness to serve markets where insurance is harder to get due to extreme weather,” said Sean Harper, CEO of Kin Insurance. “We can operate in catastrophe-prone states like Mississippi because we use huge troves of data and weather simulations to assess and price risk appropriately to the benefit of homeowners – keeping them properly and fairly insured.”

Kin’s technology-driven approach transforms the user experience, cuts inefficiencies, and customizes coverage that homeowners want. Kin’s advantages include:

  • Direct-to-consumer model: On average, traditional insurers spend 15% of their premiums on commissions for outside agents, plus additional costs to maintain and support the agents. By cutting out the middleman and selling direct, Kin fully owns the consumer relationship. This approach allows Kin to personalize policies and save people money, triage issues immediately, and address problems directly with customers.
  • Member-centered approach: Whether it’s helping homeowners understand their coverage or building a system to deliver quick insurance quotes online or over the phone, customers can feel confident that Kin understands their home, their needs, and the unique conditions of where they live.
  • Protection against peril: Kin is built to respond to change. Equipped with industry-leading technology, quality insights, and a data-rich infrastructure, Kin is able to operate in high-risk areas and help customers prepare for the worst and recover quickly when it happens.

Mississippi joins the growing number of states that Kin serves through its reciprocal exchanges. Kin expanded into South Carolina in January 2023, and several more states will be launched this year to provide affordable pricing and essential coverage to vastly more people.

Residents can learn more and receive a quote by visiting

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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