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Rating: 9 / 10 (Excellent)
11 Customer Reviews - see all comments
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Founded in 2016 and based in Chicago, Kin Insurance is an independent insurance carrier that serves homeowners in Florida. The company uses area-specific risk analysis to offer insurance in areas that many other carriers won't. Its website includes helpful guides that break down insurance risks and costs by city.
 
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How Do We Rate Kin?

Breakdown

4.6/5
Coverage Options
4.0/5
Pricing and Discounts
4.5/5
Customer Service
5.0/5
Financial Strength
4.3/5
Add-On Coverages

Our Overall Rating: 4.5 / 5 (Excellent)

Kin is an independent insurance company that specializes in homeowners insurance. They work with Florida homeowners and offer innovative multi-peril policies that are priced according to a detailed risk analysis of the premises' location. This more targeted pricing benefits consumers by ensuring that they're not paying premiums that are disproportionate to the risk their property actually faces. The company has excellent customer reviews and a high satisfaction rating on Trustpilot.com, an independent review site. It also enjoys a high rating for financial stability for a company of its size and age. Kin's website includes city guides that help consumers navigate the insurance implications of their particular locations. The company uses zip codes to prepare customized policies that address each homeowner's local risk profile. This helps to educate customers by steering them away from coverages they may not need and pointing them toward coverages that are important to people who live in their area. Overall, Kin seems to be dedicated to helping consumers understand the intricacies of the homeowners insurance market and save money while doing it.

Financial Strength

Financial Strength - 5 / 5

As an independent insurance carrier, Kin underwrites its own policies. However, it is robustly reinsured to limit its own risk, boost its financial strength and provide greater security to its customers. The company has an A rating for financial strength from Demotech, Inc., a commercial credit rating service that focuses on small- to medium-sized companies. The above information reflects the financial strength of the underwriter of Kin home insurance policies. Kin underwrites its own policies and is reinsured against specific liabilities.
Underwriter
Kin underwrites its own policies and is reinsured against specific liabilities
*The above information reflects the financial strength of the underwriter of the Kin home insurance policies: Kin underwrites its own policies and is reinsured against specific liabilities.

Customer Experience

Customer Service - 4.5 / 5

With hundreds of reviews under their belt, Kin earns a 4.8 out of 5 rating on Trustpilot.com, which equates to an "Excellent" rating. The overwhelming majority of those five-star reviews concern the sales process. Kin has an A+ rating from the Better Business Bureau and only a tiny handful of complaints. Kin's licensed insurance agents are available via chat to answer any questions or to help customers at any stage of the application process during normal business hours.

Customer Ratings

Trust Pilot Rating
4.8 out of 5
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0
Date Collected
2020-04-27

Kin Coverage

Coverage Options - 4.6 / 5

Kin writes homeowners insurance policies in areas that have been historically underserved by larger insurers, many of which don't operate in Florida at all because of its reputation for risk. The company provides city-specific average premium prices, but of course premiums vary depending on the type of coverage, policy limits, and other factors even within the same neighborhood. Since many parts of Florida are subject to natural disasters not usually covered by standard policies — such as water damage caused by hurricanes, floods, and sinkholes — there is real value in the city guides provided on Kin's website. These guides break down common insurance claims in specific cities and the insurance costs associated with local zip codes. This helps consumers understand the uniqueness of their insurance situation so they can better select the policy that protects their home the most while costing them less.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage

Pricing & Discounts

Pricing and Discounts - 4 / 5

There aren't many comments on public review sites that would enable us to assess Kin's claims processing. But since people are generally quick to complain when they feel taken advantage of, the absence of such complaints is a point in Kin's favor.

Contact & Additional Information

Homepage URL
https://www.kin.com/
Company Phone
(855) 717-0022
Headquarters Address
100 S. State St., Chicago, IL, 60602
Year Founded
2016
Top Rated
Our Partner
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Rated 4.8 Out Of 5 On Trustpilot.com

  • City guides break down premium costs by zip code
  • Provides information on risks particular to certain areas
  • Quotes available online, available in Florida
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Latest Kin Reviews

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David M

2/18/2024
This company treats its customers like criminals trust me my home burnt down on Jan 11, 2-024, its been nearly 5 weeks since the fire. The claims Adjuster Edna Menard Fletcher has been the worst ever she has no compassion for anyone. Edna has a job that requires her to ride along with Satan and attack Gods People at every angle. Edna keeps sending me texts and emails telling me that there has been no decision on whether or not that Kin insurance will pay the claim { CLAIM ADJUSTER FROM HELL} even let me know that the demo of Dave Cohens Homosassa burnt down home may not be covered by Kin Insurance. I pray that Edna never has to deal with the loss of everything she has worked for her... Read More

C
charles t

12/2/2023
I received an email that my valid American Airlines credit card was rejected. I spoke with customer service representative who re-inputted Card Id's and card was rejected. This card has a credit limit of $20000 and out- standing balance of $300. The Representative indicated problem was at my end. Very unhelpful. When I indicated that I might choose another carrier there was silence on the line. Poor service. Terry Duffy 279 Mangrove Thicket Ponte Vedra, Fl. 32081

Michelle L

9/11/2023
Kin Insurance customer service is excellent when you're purchasing a policy, but that's where it ends. I have extensive damage from hurricane Ian, which made landfall on September 28, 2022 and I am still waiting on Kin to settle my claim. Every time the claim specialist on my claim begins talking settlement, Kin assigns me a new claim specialist. I am now on claim specialist #8 with no end in sight. I have missed work and so stressed about the condition of my home, but Kin does not care to do the 1 job they are paid to do, which is to insure my home.

D
David H

7/29/2023
CYRIL MAE recently resolved a problem with my payment process in a quick and timely manner. she is a real asset to your organization. David Zirkle

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Betzaida J

4/7/2023
Their initial home inspection for my home did not reveal I did not passed inspection on other parts of my house except a panel breaker. Anyone can take your money insure you for one year and then decline your claim after a hurricane icurrence saying stains inside your living room were not caused by the hurricane but lack of maintenance house designs poor installation. Then you get stuck with them until again upon renewal, no one else wants to insure your house until you fix it. The worse company for you to believe that it gives you piece of mind! It quite the opposite in my experience!

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Randy R

4/4/2023
We hag Kin for 1 year. Then next year they raised our rate 110% with no damages or losses. We will not be renewing with them .We would not recommend them a they are a bait the 1st year then sock it to them the second . Be careful

cruzaldo32

11/17/2022
Floridians be ware!! This company will charm you en everything will be 5 star but that’s until you submit a claim That’s when everything goes south, Do not I repeat Do not fall for it!! Do your research first , Do not follow and believe those reviews on Trust Pilot You have been warned.

J
John S

4/8/2022
Kin Cancelled my home insurance policy and sent one email. No phone call, no letter, and not even a second email or an official cancellation notification. I contacted a service manager and was told compliance stated only one email (that I missed ) and my policy can be cancelled. Also told a “technology company” so I guess one email and no communication is sufficient to cancel a policy . I found out when my mortgage company placed an expensive home insurance policy and then I got stuck with the much higher bill. Very disappointed in first mistake and then took multiple calls to get a manager to finally respond. Do not do business with Kin as you could be the next cancellation with one... Read More

chief4af

8/9/2021
Outstanding job Torrance! Thank you for the great service. Torrance was extremely helpful and was focused on me the customer. A great experience.

S
Sharon A

3/29/2021
Love this company but I don't know how get in touch with my agent to change my coverage. Can someone help

huntmphd

1/28/2021
So far so good. I left my previous homeowners insurance because they raised my rates by over $1000.00 in one year. Why? They wouldn't give me an answer so I went shopping and found KIN. Very helpful agent. The right blend of professional and friendly. I'll comment again in a year.

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