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 Florida, Louisiana, and California. 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.