What’s New with Kin Insurance review?
Kin Insurance continues to make strides in the home insurance market, focusing on high-risk areas prone to natural disasters. Here are some key developments for Kin in 2025:
- Impressive Growth: Kin saw a 58% year-over-year increase in gross written premiums in Q3 of 2024.
- State Expansion: Kin launched home insurance in Georgia in May 2024, bringing its coverage to a total of nine states.
- Texas Availability: As of March 2024, Kin now provides home and mobile home insurance in Texas.
- Exit from California: Previously available in California, Kin is no longer accepting new policies in the state.
Kin Home Insurance Review
About Kin Insurance review
Founded in 2016, Kin Insurance is a direct-to-consumer home insurance provider specializing in high-risk states. It differentiates itself through data-driven underwriting, utilizing property records, permit data, and aerial imagery alongside traditional factors like roof type, construction material, and location.
Unlike insurers that offer actual cash value (ACV) policies, Kin provides replacement cost coverage, ensuring policyholders receive full reimbursement for damaged property without depreciation deductions.
CoverAdvisor Score: 3.2/5
Kin earned a 3.2 out of 5, excelling in discount offerings and user experience. However, it lost points for limited state availability, lack of a mobile app, and restricted customer service hours.
Pros & Cons of Kin Home Insurance
✅ Pros:
- Unique Pricing Model: Uses alternative data sources for better risk assessment.
- High-Risk State Coverage: Available in hurricane- and disaster-prone regions.
- Customizable Policies: Offers coverage for landlords, condos, and high-value homes.
❌ Cons:
- Limited State Coverage: Not available nationwide.
- No Mobile App: Digital experience is limited to the website.
- Customer Complaints Increasing: Rising complaint index in 2023.
Kin Homeowners Insurance Customer Satisfaction
Third-Party Ratings & Complaints
Kin is not rated by J.D. Power or AM Best, but its financial stability is confirmed by Demotech’s “A” (Exceptional) rating.
According to the National Association of Insurance Commissioners (NAIC):
- 2021: Complaint Index: 0.35 (below industry average)
- 2022: Complaint Index: 0.81
- 2023: Complaint Index: 1.55 (above industry average)
While Kin had a low complaint index in 2021, it has risen significantly in recent years, indicating growing dissatisfaction among policyholders.
Kin Homeowners Insurance Complaints
Between 2022 and 2023, Kin’s overall product complaint index more than doubled from 2.33 to 4.65, raising concerns about policyholder experiences and claim processing.
Kin vs. Other Insurance Companies
Kin vs. State Farm
- State Farm: A traditional insurer with a vast agent network for in-person support.
- Kin: A direct-to-consumer model, eliminating the need for middlemen.
Kin vs. Progressive
- Progressive: Covers 40 states, selling home insurance via American Strategic Insurance (ASI).
- Kin: More tech-driven underwriting but has fewer state offerings.
Kin vs. Tower Hill
- Tower Hill: Florida-based, flood insurance as a separate policy or endorsement.
- Kin: Offers private flood insurance with higher limits.
Kin Insurance Review: Pricing & Discounts
Kin advertises average savings of $900+ for new customers, but many report significant rate hikes upon renewal. Discounts available include:
- Bundling with flood insurance
- Security system discounts
- Senior and military discounts
- Paperless billing and autopay discounts
Kin Insurance Reviews: Reddit & Trustpilot
Reddit: Mixed reviews, with users citing drastic rate hikes after the first policy term but praising smooth online enrollment.
Trustpilot: With 3,500+ reviews, 89% are five-star ratings, primarily highlighting customer service. Negative reviews focus on steep premium increases.
Kin Insurance Contact Information
- Sales: 1-855-717-0022 (Mon-Fri: 7 AM-7 PM CT, Sat: 8 AM-3 PM CT) / sales@kin.com
- Customer Support: 1-855-216-7674 (Same hours as sales)
- Claims: 1-866-204-2219 (24/7 availability)
- Website: kin.com
States Where Kin Is Available
As of 2025, Kin operates in Alabama, Arizona, Florida, Georgia, Louisiana, Mississippi, South Carolina, Texas, and Virginia.
Additional Coverage Options
- Mobile Home Insurance: Coverage for fire, wind, theft, and more.
- Condo Insurance (HO-6): Protects condo owners against property loss and liability.
- Landlord Insurance: For rental property owners.
- Private Flood Insurance: Alternative to NFIP with higher coverage limits.
- House & Property Insurance: Covers primary residences, secondary homes, and rental properties.
Frequently Asked Questions
How Long Has Kin Been in Business?
Founded in 2016, Kin has nearly 600 employees and has issued over 160,000 policies.
Is Kin Insurance Legitimate?
Yes. Kin is a licensed insurance provider in all states where it operates.
Who Owns Kin Insurance?
Kin was founded by Sean Harper, Sebastian Villarreal, Lucas Ward, and Stephen Wooten. It remains a privately owned company with multiple investors.
How Do You File a Claim with Kin?
- Online: Submit a claim via Kin’s website.
- Phone: Call 1-866-204-2219.
- Proactive Claims Alerts: Kin monitors storms and alerts homeowners to potential damage.
Final Verdict: Is Kin a Good Choice for Homeowners Insurance?
Kin Insurance is a strong option for homeowners in high-risk states struggling to find coverage. However, it is not ideal for those seeking long-term rate stability, as policyholders frequently report drastic renewal price hikes. Its direct-to-consumer model and tech-driven underwriting make it an innovative choice, but customers should compare quotes from multiple insurers before committing.
Bottom Line on Kin Insurance Reviews
If you’re a tech-savvy homeowner looking for flexible insurance in a high-risk state, Kin could be a cost-effective alternative. However, for those valuing long-term stability and in-person support, State Farm, Progressive, or Tower Hill might be better choices.
Want to know more about other insurances, Read our latest articles.
