Kin Home Insurance Review: Ratings and Quotes (2025)

Since 2016, Kin has focused on a new approach to insurance. The company uses unique ways to underwrite homeowners insurance policies, offering more affordable coverage to people living in high-risk areas.

That also means you’ll need to check your coverage details more closely since it can work a bit differently. But overall, reviews tend to be very happy with the coverage Kin offers.1 2

Here’s what you need to know about Kin home insurance and how to decide if it’s right for you.

Kin home insurance at a glance

Kin home insurance coverage options

All Kin home insurance policies come with the standard coverage for your home: other structures on your property, personal belongings, liability, medical payments for people injured at your home, and additional living expenses if your home is uninhabitable.

But Kin works a bit differently in how it underwrites these policies, with the following types of home insurance available in different states:

• Condo insurance: Florida condo residents can buy this type of homeowners insurance, which protects the interior structure of their apartment.

• Landlord insurance: Residents of all states where Kin operates (except for California) can purchase this policy if they rent out their property. It doesn’t cover tenant belongings, but it does offer lost rental income in many cases.

• Mobile home insurance: Residents in Arizona, Florida, Louisiana, and Texas can purchase this policy if they own a manufactured home.

• House & property (HD3 policy): Homeowners outside of Florida and Louisiana can only buy an HD3 policy, which mimics rental owner insurance but is still available to people who live full time in their home.

• Single-family homeowners insurance (HO-3 policy): This standard homeowners insurance policy is available for Florida and Louisiana residents.

Optional Kin home insurance coverages

Kin offers several insurance endorsements in different areas. Here are some of the most popular:

Availability of Kin home insurance

Kin currently only sells home insurance policies in 11 U.S. states — often in the same areas other major home insurers are trying to pull out of:

• Alabama

• Arizona

• California

• Florida

• Georgia

• Louisiana

• Mississippi

• South Carolina

• Tennessee

• Texas

• Virginia

How customers feel about Kin home insurance

Kin home insurance has many online customer reviews detailing their experiences with the insurer. Customers generally note how easy Kin is to work with and how helpful its agents are if you need to speak to an agent over the phone.

• Yelp: 2.3 stars based on three reviews

• Google: 4.6 stars, based on 5,794 reviews

• Trustpilot: 4.8 stars, based on 4,812 reviews

• Better Business Bureau: 4.63 stars, based on 874 reviews

Kin industry ratings

It’s important to check industry ratings and use some of these numbers to see how trustworthy and financially stable Kin might be. While Kin isn’t rated by AM Best, its carrier partners Kin Insurance Network and Kin Interinsurance Nexus Exchange both have an A rating by Demotech, a financial analysis company.3

Kin home insurance discounts

Once you’ve chosen an insurer, the best way to save money is by ensuring you’re benefiting from all the available home insurance discounts it offers. Kin doesn’t disclose what discounts it offers to everyone nor how much you can save, but residents of certain states may be able to take advantage of these discounts:

• Signing up for electronic statements

• Renewing your policy without having made any claims

• Installing home security features like cameras and fire alarms

• Installing a water leak detection and mitigation device

• Lowering your wind risk — but must pay for a home wind assessment

Kin insurance bundling options

Kin doesn’t offer any bundling discounts that are common with other insurers. Often, you can save a lot of money by buying multiple policies from the same company, such as auto, home, and life insurance. But since Kin only offers one insurance product — homeowners insurance — you won’t be able to score these savings.

How to file a home insurance claim with Kin

The basic process behind how Kin handles insurance claims is fairly standard when it comes to home insurance. Here are the steps you’ll need to take if you ever need to file a claim:

Kin vs. other insurance companies

You can buy homeowners insurance from any number of different companies, and Kin is a relatively small player in the field. If you’re looking to get quotes on home insurance coverage, here’s how Kin compares to two similar insurers.

Kin vs. Swyfft

Like Kin, Swyfft is a small insurer new to the market. You’ll find very little information available about the company online from any source. Even its own website provides very basic and limited details. Only a few actual customers have left reviews of their experience online, and they tend to be mostly negative.

If you’re interested in getting a quote, provide your home’s physical address, and Swyfft will pull in publicly available information to offer you a quote within seconds, according to the company. It only sells homeowners insurance in a few states, including Alabama, Massachusetts, New York, and Texas.

Kin vs. Lemonade

Lemonade is another digital-first insurance agency, and it offers more products than Kin. In addition to homeowners insurance, you can get bundling discounts for purchasing Lemonade auto, life, and pet insurance.

Lemonade sells homeowners insurance policies in 23 U.S. states. It offers a standard set of homeowners insurance coverages, such as for personal belongings, property, and liability, with the option to add extra coverage through endorsements for sewer backup, earthquake damage, home businesses, and more.

Kin home insurance FAQs