COMPANY PROFILE
Kin Insurance: homeowners insurance profile
Yes. Kin sells homeowners insurance direct to consumers. Outside Florida and Louisiana, Kin describes its homeowners cover as a House & Property policy with an owner-occupied endorsement. Checked 2026-10-19 on the company page cited below. No premium, rating or ranking is published here.
Company facts, as the company states them
| Field | Kin Insurance |
|---|---|
| Legal name | Kin Insurance, Inc. (coverage through its reciprocal exchanges, per Kin) |
| Eligibility and availability | State limited. Kin lists this homeowners cover in Alabama, Arizona, California, Colorado, Georgia, Mississippi, South Carolina, Tennessee, Texas and Virginia on the page read. It is described for people who live in their home, rent it out, or do both, and for traditionally built and modular homes; manufactured homeowners are directed to mobile home insurance. |
| How policies are sold | Direct: online quote on kin.com, with no external agents, per Kin |
| Coverage listed | Home (dwelling); Attached structures, including garages, fences or swimming pools; Belongings inside your home, such as furniture, fixtures and electronics; Additional living expenses or loss of rental income if a covered loss makes the home uninhabitable; Personal liability and medical payments for owner-occupied homes, added automatically per Kin |
| Optional cover listed | Additional coverage for home computers; Water backup or sump pump overflow endorsement; Personal property replacement cost endorsement; Golf cart cover and related liability; Animal liability coverage |
| Verified date | 2026-10-19 |
Kin Insurance questions
Does Kin Insurance sell homeowners insurance?
Yes. Kin sells homeowners insurance direct to consumers. Outside Florida and Louisiana, Kin describes its homeowners cover as a House & Property policy with an owner-occupied endorsement.
How are Kin Insurance homeowners policies sold?
According to the company's page: Direct: online quote on kin.com, with no external agents, per Kin.
Does a standard Kin Insurance homeowners policy cover flood damage?
Flood cover is not listed on the Kin page read for this profile. Confirm separate flood cover if your home needs it.
Sources and check dates
- Kin, House & property coverage, checked 2026-10-19.
Your policy documents govern. Methodology, Disclaimer.