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Kin Homeowners Insurance Review

11 Customer Comments & 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 is Kin rated?

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

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

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11 Customer Comments & Reviews

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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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  • Covers common occurrences like fire or theft and accidents
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