The world of real estate ownership is vast, complicated, and expensive. But getting the right insurance for your property can be a different experience…with the right company on your side.


According to Zillow, the typical homeowners insurance annual premium costs $420 per $100,000 of home value. But, if you live in areas with prone to natural disasters or property crime, you’ll likely be paying more. A lot more.

That’s why dozens of game-changing companies in the financial services and insurance industry have been cropping up over the last decade. Kin Insurance is relatively new to the game of homeowner’s insurance. Founded in 2016, its motto is “homeowners deserve better.” And the plan for delivering on this promise includes:

  • An informative blog
  • Friendly insurance agents
  • Strategic partnerships

Though new, Kin Insurance has some of the lowest rates in the business due to minimal carrying costs and strategic partnerships. However, there are two significant drawbacks: it is only available in a few states, and agents are not available in person. Customers can contact agents over the phone, email, or through a chat service on the site.

How does Kin Insurance work?

Kin Insurance operates as an insurance agency. It currently offers coverage options in five states, with plans to expand. Those states are:

  • Alabama
  • Florida
  • Georgia
  • Illinois
  • Texas

Though the location may be limited, the home insurance coverage options by structure type are not. Customers can insure:

  • Traditional homes
  • Older homes where replacement costs are more expensive than market value
  • Condos
  • Property inside the house they rent
  • Rental property as a landlord

Home insurance coverage options are broken into six categories. Most policies will cover most, if not all, of these categories. These include:

  • Dwelling coverage for your home’s physical structure
  • Other structures for your fence, shed, or detached garage
  • Personal property for the valuables inside your home
  • Loss of use for living expenses if a covered claim makes your home inhabitable
  • Personal liability if you’re held responsible for injuries of another person
  • Medial payments to pay for immediate medical expenses of anyone injured at your home

The process of getting a home insurance quote is mostly hassle-free, though not that fast. If you’re a homeowner or renter, you can fill out their straightforward form with your name, date of birth, contact information, and address. Once you send it in, you’ll receive an email within a few minutes.

The email will thank you for your time, suggest a money-saving service like an alarm system (from one of their partners), and offer a phone number to speak with an agent. The (very nice) agents will walk you through policy options and help you make a decision. They generally break down your options into two categories:

  • Lowest cost
  • Most responsible coverage

This does make it easy to know your options and make a choice. However, compared to more established companies like Allstate or State Farm or a company that offers home insurance comparison, like Insurify, Kin is quite limited. And the process does take longer as a homeowner must first speak with an agent before receiving a quote.

Once customers agree on a policy with their agent, they will receive electronic documents to sign and return. That’s followed by a home inspection by an underwriter. Overall, this is a typical process in purchasing a policy.

On a final note, Kin Insurance has made some great partnerships with companies that monitor and protect your property. This includes water detection and home security. Additionally, if you are a Florida resident, you’ll be offered information about wind mitigation credits to lower your premium even more.

Pro: Responsive customer service

Con: Must speak with an agent before receiving a quote and limited options available

Kin Insurance Reviews: Here’s what customers are saying…

As a newer company, reviews are also limited. Currently, the Better Business Bureau has no reviews on file, though Kin is given an A+ rating. TrustPilot offers 438 reviews as of this writing. 85 percent of reviewers give the company an “Excellent” rating, and 5 percent give a “Bad” rating.

Let’s start with the bad news first. The biggest complaint stems from homeowners learning that their homes are not coverable by Kin Insurance. Others claim that poor communication let them down. At its worst, Kin Insurance seems to be unreliable in its quoting data.

Still, most reviews are pretty much glowing. Reviewers give points to Kin Insurance based on customer service and cost. Another stand out is that Kin Insurance does make choosing a policy easy. And, many customers explain that they saved on their policy by buying through Kin.


Unfortunately, a trip to Yelp offers a different story. Bear in mind that there are only twelve reviews available, but of these reviews, five are “Woohoo! As good as it gets,” and seven are “Eek! Methinks not.”

Each negative review cites the same couple of issues: changes in quote price, difficulty getting in contact with agents, and loss of the policy only a few weeks into the policy period. Tellingly, several of the reviews have been changed from an initially positive review to a negative review.

Many follow this narrative: the customer is initially quoted one price but followed up with a rate increase within a few weeks of signing. The reviewers claim agents do not take good care to get all the details of the policy into scope before offering a great rate. Later, the homeowner gets a notice by mail—not directly from the agents themselves.

Due to one issue or another, this letter explains that the rate is actually more expensive than initially quoted or, in the worse cases, the policy is canceled with a short grace period. On a positive note, each negative review has been responded to by an eager customer insurance representative.

This table shows Kin Insurance’s official Insurify Composite Rating, based on a combination of reviews from aggregator sites:

SiteCustomer RatingNumber of Reviews
Total Score4.6 / 5450
TrustPilot4.65 / 5438
Yelp3.5 / 512

Kin Insurance is rated 4.6 out of 5 based on 450 reviews.

Your home insurance journey doesn’t have to start or end with Kin Insurance.

Know that there are always options out there if you’re looking for the cheapest home or renters insurance.

Insurify lets you compare quotes and unlock discounts from multiple insurance providers, so you’re empowered to secure the best homeowners insurance deal for you…and so you don’t have to scramble to get homeowners quotes on multiple sites!

More about Kin Insurance

Kin Insurance is headquartered in Chicago, Illinois, by CEO Sean Harper, CTO Lucas Ward, and Senior Software Engineer Stephen Wooten. These co-founders come from a background with tech companies, including Groupon (an investor) and Fundspire.

Articles about Kin Insurance Inc. can be found in TechCrunch, Economic Times, and Insurance Journal.

Contact information

Headquarters55 W Monroe St Chicago, IL 60603
Phone number1 (855) 664-3800

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Updated October 23, 2020

J.J. Starr is a financial copywriter and enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at