Kin Home Insurance Review

This policy provider offers valuable educational resources, as well.

Suitable For?

Kin is suitable for a few types of homeowners. It’s a good solution if you’re looking for a fast and convenient application process. Kin only asks you the very basic questions like home address and phone number, and since everything is done online, you can get a quote in a matter of seconds.

This is also a good option if you want to pay less. Kin customizes its plans to fit what you’re looking to cover and does away with all of the extras. This keeps the costs low, making plans more affordable for homeowners.

What Coverage Includes

Kin offers comprehensive homeowners insurance that covers the usual HO3 home insurance policy areas. These areas include:

• Your dwelling (your actual home)
• Other structures (other structures on your property)
• Your belongings (furniture, appliances, personal items)
• Loss of use (if you are unable to live in your home due to damage)
• Personal liability (if you or a visitor is injured on your property)
• Visitor medical expenses

You'll pay an annual premium to Kin, and in return, you'll get coverage in case any damage occurs in the covered parameters. The policy doesn't cover things like earthquakes, flooding, and negligence. Instead, it covers damage from the standard threats, including:

• Fire or smoke damage
• Hurricanes
• Hail
• Lightning
• Theft
• Water damage due to a burst pipe
• Appliance flooding

Your Kin policy will include repairs of damaged items or the cost of replacements if a repair is not feasible.

Additional Coverage

Kin doesn’t offer much in the way of additional coverage. It is highly focused on home insurance, and that’s what it does well. However, you can get additional riders like flood, hurricane, landlord, umbrella, second home, manufactured home, and Florida homes insurance.

Unfortunately, Kin doesn’t offer other types of insurance policies that you can bundle. Many home insurance providers will allow you to bundle various types of insurance policies (auto, health, etc.) in exchange for a lower premium. Kin doesn’t have such an offer available.

• Flood
• Hurricane
• Landlord
• Umbrella
• Second home
• Manufactured home

Application Process

What Kin lacks in bundling power, it more than makes up for in convenience. This is a fast and simple home insurance policy application to fill out. Everything is done online, and all you need in order to get an instant and free quote is an address, email, and phone number. Here’s how it works:

- Visit Kin.com.

- Enter your address.

- Give a few more details like your name, phone number, and email address.

And that's it. In about 15 seconds, you can get your free quote. That's a great convenience for people who don't like long, drawn-out application processes or talking to insurance agents over the phone.

One downside to Kin is that it doesn’t cover most states. To date, the insurance provider only works with homeowners in Florida, Georgia, and Alabama. The good news is that Kin is working on expanding its reach to more states across the country.

Also, Kin works a little differently than most home insurance providers. Instead of having standard plans that you can choose from for your coverage, Kin will tailor your policy based on your needs. You’ll fill out the application form, answer a few questions, and based on these answers, Kin will generate a free insurance quote. The quote you receive will have the following information:

• How much it’ll cost for coverage of your home, other structures, and personal property
• The standard deductible you can expect to pay
• The hurricane deductible you can expect to pay if you live in a coastal area
• Your estimated annual premium

Discounts

Kin does not state clearly that you will definitely receive a discount for these procedures, but it is very likely that you will. You will probably end up paying less for your home insurance policy if you include improvements to your home, like:

• Updated roofing
• Mitigated wind risk
• HVAC, electrical, and plumbing upgrades
• Generators
• Centrally-monitored security systems
• Automatic water shut off

How Safe is it?

Kin takes a lot of precautions to keep you and your information safe. For one thing, it restricts access to personal data. Kin also uses technologies such as SSL encryption, passwords, and permissions.

Additionally, Kin has an A-Exceptional rating from Demotech. In layman's terms, this means that the company is financially stable enough to pay out claims if and when they occur, so you aren’t left holding the bag.

Claims & Customer Support

Kin is very thorough when it comes to claims processing. If something happens, you can submit a claim at any time over the phone or via email. What's really unique about this team is that it uses the latest technologies to get the most information for your claims and quickly. So, you'll get the coverage you need faster and more often than standard claims procedures. For example, Kin claims team members can use aerial imagery, drone technology, and even satellite services to get the most detailed information from an event.

Kin goes one step further by offering some impressive claims support features. For example:

• Meeting with an adjuster
• Helping you document the loss
• Applying your deductible
• Mitigating further loss
• Setting up a budget for additional living expenses
• Helping arrange reconstruction, repairs, replacements, and more
• Receiving the claims settlement

Another impressive feature of the claims department is the virtual inspections. You don’t have to have an inspector on the scene to get the job done. This is very convenient. One other excellent service is the in-person adjustments where you can have input on repairs and what’s going on with your renovations.

Phone 

866-204-2219

Email 

claims@kin.com

When you submit a claim, you’ll be required to pay a deductible. That’s the amount toward the coverage that you’ll pay, and then Kin will take care of the rest. Kin offers several deductible options that you can choose from, including $500, $1,500, $2,500, $5,000. Alternatively, instead of paying a dollar amount deductible, Kin allows you to choose a percentage of the value of your dwelling coverage. You can pick 1%, 2%, 3%, or 5%. 

Frequently, homeowners will choose a higher deductible because this will actually lower your annual premium. So, if you are confident that you can cover the deductible in the event of an incident, then you can really save a lot of money with a higher deductible.

Summary

Kin is a consumer-friendly home insurance provider that ticks all the right boxes. It's fast, it's convenient, and it's affordable. With an easy online application process and tailored home insurance policies, homeowners get the lowest rates. Plus, Kin offers a wide range of deductibles, so you can pick the level of premium you're looking for. We were impressed with how often Kin goes the extra mile with its services, as well. The policy provider offers loads of useful educational resources for free on the website (like articles, checklists, and hurricane updates). Kin handles claims thoroughly and professionally and gets two thumbs way up.