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Best for: Florida or Louisiana homeowners looking for coverage with lots of extras included.
Consumer complaints: Far fewer than expected.
Discounts: Average set of discounts.
Coverage options: More than average.
If you live in an area prone to natural disasters such as hurricanes and floods, it can be tough to find an affordable homeowners policy. Kin Insurance, founded in 2016, seeks to lower costs for high-risk homes by relying on technology and selling directly to consumers instead of through agents.
Kin home insurance is currently sold only in Florida and Louisiana, but if you live in one of those states, it’s worth considering. Kin’s policies come with coverage and perks that cost extra from other companies.
How Kin home insurance rates
Kin homeowners insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Kin is among NerdWallet’s Best Home Insurance Companies for 2022.
Kin currently offers new homeowners policies only in Florida and Louisiana.
Kin home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
In addition to the basic coverage above, Kin includes the following features with its standard policies:
Replacement cost coverage for personal property. Many insurance companies cover your belongings on an “actual cash value” basis unless you choose otherwise. For example, if a fire destroys your 15-year-old sofa and you have actual cash value coverage, your insurer will pay out only enough to buy another 15-year-old sofa. With replacement cost coverage, you’d receive enough money to buy a brand-new sofa.
Ordinance or law coverage. This pays expenses associated with rebuilding your home to comply with the latest building codes.
Managed repair program. When you file a claim, Kin will recommend a local contractor who’s licensed, insured and vetted with background checks.
You may also want to add the following optional types of coverage:
Extended dwelling coverage. If you select this option, Kin will pay up to 25% more than your dwelling coverage limit if rebuilding your home after a disaster costs more than expected.
Identity fraud insurance. This coverage pays for fees and lost income associated with recovering your identity.
Animal liability coverage. If your dog bites someone outside your household, many insurance companies would pay for ensuing medical or legal expenses as part of their standard liability coverage. But with Kin, you have to add this coverage to your policy as an endorsement if you need it. No breed restrictions apply.
Water backup coverage. This type of insurance pays for damage due to backed-up drains or sump pump failures.
Hurricane screen enclosure coverage. This endorsement provides coverage for the screen enclosure around your swimming pool.
In Florida, Kin Insurance offers the following ways to save:
Protective device discount for security and fire alarms.
Discount for wind mitigation.
Paperless billing discount.
Water detection discount.
“Responsible repair” discount for those who don’t entrust their claims benefits to contractors.
Secured community discount for people who live in a neighborhood with a security guard.
In Louisiana, you can save money by:
Having wind mitigation features or a hip-shaped roof.
Going without a claim for at least three years.
Being a new homebuyer.
Choosing an electronic policy.
If you use Kin’s Managed Repair Network for repairs after a claim, you can save 10% on your deductible.
» MORE: The best cheap home insurance
Kin received no home insurance complaints to state regulators over a recent three-year period, according to NerdWallet's analysis of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
When comparing Kin's complaint ratio to that of other insurance companies, keep in mind that Kin is relatively new and serves a much smaller customer base than many other insurers, so there's less complaint data overall for this company.
Website: It only takes a couple of minutes to get a quote on the Kin website. Its FAQ section offers useful information on homeowners coverage, though it can be tricky to figure out exactly which options apply to you.
Claims: You can file a homeowners claim online, by phone or by email. If you choose the online option, you can upload damage photos and other documentation. Learn more about how to file a home insurance claim.
Customer service: You can get help from Kin's support staff by submitting an email form on the website, calling 855-216-7674 or using the site's chat feature. Customer service is available every day but Sunday.
Kin home insurance pros and cons
Where Kin stands out
Kin's default coverage is more generous than many other insurers', and the company offers plenty of discounts to help you save on your premium. Its user-friendly website lets you get quotes, file claims and find information without having to work with an agent, though personalized assistance is available as well. The company also stands out for its willingness to insure homeowners in high-risk states.
Where Kin falls short
The company's limited reach is the biggest drawback, as most Americans don't live in a state where they can buy a Kin policy. It's also not a good choice if you prefer to bundle all your insurance policies with the same company. Pet owners might prefer to go with an insurer that includes animal liability in its standard policies.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.