Smart home insurance built for you
Prefer to talk it through? Call (855) 717-0022 to reach licensed agents directly, no phone menus.
Here's what homeowners get when they switch to Kin
Real coverage, built around your home, not a one-size-fits-all policy.
See what your coverage looks like →Homeowners across the states Kin serves trust us to protect what matters most to them.
The weather that actually shapes your coverage
Home insurance risk looks different everywhere you go: hurricanes and hail in some places, wildfire, high wind, or heavy snow in others. Kin builds coverage around the risks your home actually faces.
Hail & severe storms
Severe storms roll through much of the country every year. Roof and exterior damage from hail is one of the most common homeowner claims.
Wildfire & WUI exposure
Homes in wildland-urban interface areas face tighter underwriting. Kin works with homeowners in higher-risk zones to find coverage options.
High wind
Windstorms can cause damage separate from hail, often with their own deductible terms worth understanding upfront.
Snow load & freeze
Heavy snow and freeze-thaw cycles stress roofs and plumbing. Coverage that accounts for your home's age and construction matters here.
Why coverage looks different from one home to the next
Coverage needs vary by location, home age, construction, and local risk. Kin builds your policy around your home's actual risk profile, not a blanket assumption about your zip code.
Figures reflect Kin's own quoting and binding process. Individual timing varies by home.
Coverage built for your home, not the average home
Kin lets you set coverage limits that match your home's real value, so your policy reflects the risk you actually have.
Support if you've been non-renewed or dropped
If your previous insurer pulled back, Kin's licensed agents can walk you through your options, including harder-to-place homes.
Clear answers, no surprises
You'll always know what's covered, what's not, and why your policy is built the way it is, before you need to file a claim, not after.
Non-renewed, dropped, or worried about your options?
Rising weather losses have led some carriers to limit new business or step back from certain higher-risk areas in recent years. If that's affected you, here's what's actually going on, and where Kin may fit in.
What's happening in the market
Some insurers have reduced how much new business they write in higher-risk areas. Many states run a FAIR Plan, a coverage option of last resort for homes that can't find a policy in the private market. Those are separate programs, run at the state level, not a Kin product.
Where Kin may fit in
Kin is a private insurer that works to place coverage for homeowners in the states it serves, including many homes in higher-risk areas. Before assuming you're out of options, talk to a licensed Kin agent about your specific address. It's worth exploring a private-market option before defaulting to a last-resort plan.
Got a non-renewal notice?
Start early: don't wait until your current policy is about to lapse. Have your current declarations page handy and reach out to a licensed Kin agent to see what your options look like before your coverage ends.
How Kin helps you protect your home
Clear insurance guidance from licensed specialists, backed by coverage that's actually built around how and where you live.
Customizable coverage limits
We set your policy to fit your home, whether it's an older home, a high-value home, or anything in between, so your coverage matches what your home actually needs.
Fast, easy quotes
Get a quote online in minutes. Most homeowners skip the in-person inspection with a fast self-inspection completed in 10–15 minutes.
Fast binds
Half of Kin binds complete the same day, helpful when you're on a closing timeline or switching after a non-renewal.
Coverage on harder-to-insure homes
Older homes, manufactured homes, and homes in higher-risk areas: Kin helps find coverage that fits, even when other insurers say no.
Landlord & rental property coverage
Dwelling fire and landlord (DP3) coverage for rental and investment properties: protection built for what you own, not just where you live.
Real people on the phone
Reach licensed agents who pick up, no endless menus, no email-only queues.
How to get covered with Kin
No agents to chase down, no waiting days for an inspector.
Get your quote online
Enter your address and basic details. Most quotes take under 3 minutes.
Complete a fast self-inspection
70%+ of homeowners finish this online in 10–15 minutes, no in-person inspector required.
Bind your policy
50% of Kin binds complete the same day, so you're covered fast.
Manage it digitally
Update your policy, check documents, or reach a licensed agent anytime.
Home insurance for first-time buyers and new construction
Most 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 time navigating that timeline, here's what to expect.
Meeting your lender's requirements
Lenders typically set minimum coverage amounts as a condition of your mortgage. A licensed Kin agent can help confirm your policy fits what your specific lender requires.
Timing your policy with closing
Fast quotes and binds, with 50% of Kin binds completing the same day, help make it easier to have a policy in place in time for your closing date.
Understanding escrow
If your lender escrows your insurance, your policy is typically billed through your monthly mortgage payment and paid directly to your insurer on your behalf. Ask your lender and your Kin agent how that works for your specific loan.
Kin products for every kind of home
One team for every kind of home you own or rent out.
Homeowners insurance
You get more than coverage: you get a team that follows through. Clear protection that puts you in control, built for your specific home.
- ✓Transparent coverage, no fine-print surprises
- ✓Fast claims handling
- ✓Real, personalized support from licensed agents
- ✓Continued service even in higher-risk areas
Landlord insurance
Safeguard your investment and the people who count on it, with coverage that works as hard as you do, including dwelling fire and DP3 policies.
- ✓Flexible coverage for one property or several
- ✓Simple management across your rental portfolio
- ✓Dedicated support team
- ✓Coverage personalized to your properties and priorities
Manufactured home insurance
Kin protects manufactured and mobile homes with care and proven support through every season: coverage that's steady, secure, and here to stay.
- ✓Specialized coverage built for manufactured homes
- ✓Protection sized to your home
- ✓Simple, personalized protection you can understand
- ✓Help just a call away when you need it
Coverage for vacation, seasonal, and second homes
Homeowners aren't all in the same place. Coverage needs look different for a beach cottage, a mountain cabin, or a home you only use part of the year.
Remote & higher-risk locations
Coastal, mountain, and wildland-urban interface communities each face their own mix of risk: wind, heavy snow load, wildfire exposure, and longer emergency-response distances. Kin works with homeowners in these areas to find coverage that fits.
Vacation & seasonal homes
Whether it's a full-time residence or a part-time getaway, how a home is used and occupied affects what coverage looks like. Talk to a licensed Kin agent about your specific situation before assuming a standard policy applies.
Renting it out short-term?
If you list your home on Airbnb or a similar platform, standard homeowners or landlord coverage may not automatically extend to short-term rental use. Ask a Kin agent whether your specific setup needs a different type of policy.
Comparing home insurance quotes, without the runaround
Kin was built to remove the friction from getting and understanding a policy.
| What matters | Shopping the traditional way | With Kin |
|---|---|---|
| Getting a quote | Multiple calls, multiple agents | ✓ Online in minutes |
| Inspection | Scheduled in-person visit | ✓ Self-inspection, 10–15 min |
| Coverage limits | One-size-fits-all defaults | ✓ Customized to your home |
| Reaching an agent | Long hold times, phone menus | ✓ Real people, ~30 sec wait |
| Binding a policy | Can take several days | ✓ 50% same-day |
| Understanding your policy | Dense fine print | ✓ Clear, plain-language coverage |
Smart protection for real weather, powered by data and delivered with care.
Kin was built for homes like yours: protection that's clear, dependable, and built to stay through every season. You deserve coverage that's personal, clear, and handled with care.
Fast quotes, fast self-inspection, and fast binds, so you're covered when you need to be, not weeks later.
Get my quote →Real reviews from real Kin customers
“Excellent service, the process was much easier and efficient than other companies.”
“Calling Kin waste best decision we made in a long time. It was so stress-free and fast.”
“They responded very quickly. I was very pleased with them. I have never been dissatisfied with them.”
Where Kin serves homeowners
Kin protects homes in some of the country's most weather-exposed places, with licensed agents who know the risks where you live.
Gulf Coast
Southeast
West & Southwest
Mountain West
Midwest
Home insurance, explained
Why does coverage vary so much from home to home?+
Does home insurance cover hail and wind damage?+
Can I get coverage if my home is in a higher-risk or wildfire-prone area?+
Is coverage available for older or manufactured homes?+
Do I need an in-person inspection to get a quote?+
Does Kin offer landlord or rental property insurance?+
What's the difference between "hazard insurance" and homeowners insurance?+
Is Kin a fit for retirees and long-time homeowners?+
Does where I live really change my coverage?+
What if I was recently non-renewed or dropped by my insurer?+
Does Kin offer flood insurance?+
Is Kin home insurance written through a surplus lines (E&S) carrier?+
Does Kin work with AARP or offer age-based programs?+
What's the difference between named-peril and open-peril home insurance?+
What's the difference between actual cash value and replacement cost coverage?+
Can I insure a vacant, unoccupied, or under-renovation home?+
Does my homeowners or landlord policy cover Airbnb or short-term rental guests?+
What insurance do lenders (including FHA loans) require before closing?+
How does Kin decide what coverage my home needs?+
Additional resources
Get a home insurance quote built around your home.
Clear coverage, real people, and a quote you can start in minutes. Most homeowners skip the in-person inspection entirely.
Prefer email? Reach our team at hello@kin.com