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Kin Homeowners Insurance Review: Affordable Coverage in Limited Areas

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This homeowner insurance is a good fit for: California, Florida, and Louisiana homeowners looking for affordable insurance that can be purchased online.

Kin Insurance provides homeowners, condo, and landlord insurance in California, Florida, Louisiana, South Carolina, Mississippi, Alabama and Arizona. Kin uses technology to offer coverage directly to consumers. This helps keep premium costs down. But its limited availability and the lack of an agent network mean it is not the right choice for everyone. This Kin homeowners insurance review can help consumers decide if it's the best choice.


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Best for Homeowners in select states looking for affordable coverageKin
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Full Kin Insurance review


  • Affordable coverage options
  • Coverage solutions some insurers don't offer

Easy online quotes


  • Limited availability
  • No in-person agents
  • Few bundled coverage options

Kin homeowners insurance at a glance

Here are some of the biggest benefits of Kin homeowners insurance.

Top perks

Affordable coverage

Kin's policies are cheaper than many competitors. Kin offers comprehensive coverage at reasonable prices in high-risk areas. This includes affordable flood and hurricane insurance in Louisiana and Florida.

Flood and hurricane insurance are available

Kin offers both flood insurance and hurricane insurance. Many companies exclude this type of protection and refer clients to the FEMA flood insurance program to buy it if they reside in a flood zone.

Getting an online quote is quick and easy

Kin's entire application process is done online and takes just a few minutes. After answering some basic questions, consumers are offered a choice of different coverage packages. This makes it easy to compare how much different levels of protection would cost them.

What could be improved

Availability in more states

Currently, Kin is available only in California, Florida, Louisiana, South Carolina, Mississippi, Alabama and Arizona. Homeowners looking for coverage outside of these states will need to consider another insurer.

More in-person support

Homeowners who want in-person help exploring insurance options will not find it with Kin Insurance. Customer service is provided only via phone, chat, or email. Other insurers such as State Farm and Allstate have a nationwide network of agents available to meet with.

More opportunities to bundle coverage

Kin only offers home insurance, mobile home insurance, condo insurance, flood insurance, hurricane insurance, and landlord insurance.

Consumers who would prefer to bundle home and auto policies either for convenience or to qualify for loyalty discounts will not be able to do so with this insurer.

Alternatives to consider

When looking for homeowners insurance that offers nationwide coverage and a large agent network: State Farm and Allstate shine where Kin Insurance falls short. But keep in mind that State Farm doesn't offer flood insurance while Kin does. And while Allstate does help policyholders get flood insurance through its agent network, its policies may be more expensive for some homeowners.

Rates / Pricing

Kin reports that the average customer who switches to its company saves around $500 on premiums. Its policies are indeed often more affordable than those offered by competitors, including larger national insurance companies. Since Kin doesn't have agents or in-person offices and instead sells directly to consumers, it can pass on the savings from this business model.

Discounts available

Kin offers many of the standard discounts home insurers provide. This includes claims-free discounts and savings for residing in an HOA community. It also offers some opportunities to reduce premiums that are unique to the company. Some of the specialized discounts Kin offers include:

  • Fire and security alarm discounts
  • Discounts for water leak detection and mitigation devices
  • Wind mitigation credits for wind-resistant roofing
  • Fire mitigation discounts for California homes in wildfire areas that have annual brush removal contracts or ember-resistant venting
  • Discounts for mature homeowners who are 55 or over

Coverage options

Kin offers all of the standard types of home insurance protection that most competitors provide. This includes the following coverage types.

Dwelling and other structures coverage

This covers the interior and exterior structure of the home as well as external structures such as fences and sheds.

Personal property coverage

This pays for repair or replacement of the homeowner's belongings in the event of covered damage.

Loss of use coverage

When a covered loss occurs and a homeowner must temporarily relocate, loss of use coverage pays for any expenses associated with living elsewhere.

Personal liability and medical expense coverage

If someone is hurt in the home, this type of coverage pays for medical expenses for minor injuries. It also covers other claims against the homeowner in the event that someone is accidentally harmed.

Application process

Kin's business model is focused on keeping costs down by selling directly to consumers. As a result, it's no surprise that it is quick and simple to get an online quote and to apply online for coverage. Potential customers just enter their address, name and phone number, date of birth, an email, and a few simple details about:

  • Whether they already have coverage
  • Whether they plan to live in the home
  • Whether they plan to rent it out
  • When it was built
  • The type of property (single family, townhouse, multi-family, or detached property)
  • The square footage
  • The construction type (frame, masonry, log, or fire-resistant)
  • The year the roof was constructed
  • The number of bathrooms

Within minutes, Kin provides several estimates with different coverage options including policies offering basic or enhanced protection. This makes it simple to compare prices for different coverage and between different companies. A potential customer can quickly choose the insurance package suggested and complete the entire process of getting covered online.

Customer service and ratings

Kin has received no complaints from the National Association of Insurance Commissions and has an A+ rating from the Better Business Bureau. The insurer has also received 4.76 out of 5 stars based on an average of more than 800 reviews on the BBB website.

This homeowners insurance is the best option if:

Kin is best suited for people who:

  • Live in eligible coverage areas including California, Florida, Louisiana, South Carolina, Mississippi, Alabama and Arizona
  • Are willing to give up in-person support in exchange for lower premiums
  • Want flood or hurricane coverage from the same company providing their general home insurance policy

But homeowners may want to consider State Farm or Allstate for insurance outside of California, Florida, Louisiana, South Carolina, Mississippi, Alabama and Arizona, or if they are interested in getting in-person support when buying coverage.

Our Insurance Expert