Kin Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kin Insurance is a US broker arranging home, landlord and auto cover, and it suits people who would rather spread the premium across the year than pay it in one go. The trade-off is price: it sits at 251 of 252 on premium from, so entry costs run high.
Key facts
- Best for
- Monthly instalments on home, landlord and auto cover in the US.
- Premium from
- $1,976 (Source, checked September 26, 2026)
- Insurance types
- Home, Landlord, Auto (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Phone, Online (Source, checked September 26, 2026)
- Legal entity
- Kin Insurance, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2016 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- kin.com
Pros and cons
Pros
- Monthly payments are available, so the monthly model spreads the premium rather than billing it in one go.
- Support runs on email, chat and phone, so help is available in writing and by voice.
- Claims can be raised on phone and online, which suits people who prefer phone or online handling.
- Licences span a wide set of US states, from Florida and Texas through to Virginia and Michigan.
Cons
- The offer stops at home, landlord and auto, so renters, life, health and travel lines are not part of it.
- Claims are handled on phone and online, a narrower route than the email, chat and phone used for everyday policy questions.
- Only monthly billing appears in monthly, so an annual payment option is not set out.
Who it suits
- US households insuring a home who want the premium spread across the year.
- Landlords who need landlord cover arranged alongside home cover by one broker.
- Drivers who want auto cover handled through the same broker as their home policy.
Who should look elsewhere
- Anyone shopping on entry price alone, since bunq lists a premium from €0.
- People who want one provider for every area of life, since Good Sam Insurance Agency covers auto, home and renters.
- Buyers comparing motor cover purely on price, since Euroasia Insurance quotes auto from UZS 60,000.
How Kin Insurance compares
8.7 vs 8.6
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 8.8
8.7 vs 8.7
8.7 vs 9.0
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.3- 8.7 vs 9.3
8.7 vs 9.3Max Life Insurance
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2- 8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.6
8.7 vs 8.6- 8.7 vs 8.4
- 8.7 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
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Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
Where Kin Insurance is available
- Available
- Albania, Azerbaijan, Canada, Colombia, Gabon, Laos, Macao, Montserrat, Seychelles, Tunisia, United States, Vatican City
- Licence in United States
- Alabama (3001719086), checked September 26, 2026
- Licence in United States
- Arizona (3001633284), checked September 26, 2026
- Licence in United States
- Florida (L105486), checked September 26, 2026
- Licence in United States
- Georgia (229706), checked September 26, 2026
- Licence in United States
- Illinois (3001163846), checked September 26, 2026
- Licence in United States
- Louisiana (908208), checked September 26, 2026
- Licence in United States
- Michigan (136002), checked September 26, 2026
- Licence in United States
- Mississippi (15049701), checked September 26, 2026
- Licence in United States
- New Jersey (3002507088), checked September 26, 2026
- Licence in United States
- South Carolina (3001438704), checked September 26, 2026
- Licence in United States
- Tennessee (3003155239), checked September 26, 2026
- Licence in United States
- Texas (2741700), checked September 26, 2026
- Licence in United States
- Virginia (156379), checked September 26, 2026
- Licence in United States
- California surplus lines (Kin Distributor Insurance Services) (6014763), checked September 26, 2026
- Licence in United States
- NAIC (Kin Interinsurance Nexus Exchange) (33987), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Kin Insurance actually sell?+
Kin works as a broker based in the US, and the legal entity behind it is Kin Insurance, Inc. The lines listed are home, landlord and auto, so the offer centres on homes, rental properties and cars rather than wider personal or business cover.
What does home cover cost?+
Home premiums are listed from $1,976, taken from the Florida home insurance page. Billing runs on the monthly model, so that figure is a starting point for instalments rather than a quoted annual sum, and the broker sets the final price per household.
Can I pay monthly rather than in one payment?+
Yes. Monthly payments are available on home cover, and the monthly model is the only one listed. Questions about setting up or changing the schedule can go through email, chat and phone, which includes phone, chat and email.
How do I make a claim?+
Claims can be raised on phone and online, so a claim starts by phone or online. Broader support around a claim runs on email, chat and phone, so written follow up by email or chat is available as well.
How do I reach support?+
Support runs on email, chat and phone, covering email, live chat, phone and a help centre. The broker is based in the US, so the contact options follow a US setup, and the help centre handles the routine policy questions.
Is Kin regulated?+
Kin holds US licences including Florida under L105486, Texas under 2741700 and Virginia under 156379. It also appears on the California surplus lines record 6014763 and the NAIC listing 33987.
How does Kin compare on price?+
On premium from, Kin ranks 251 of 252 brands, so it sits in the higher priced part of the field. The €8.37 across the site is well below its $1,976 starting figure, which is worth weighing against the monthly model.
Who is behind the policy?+
Kin Insurance, Inc. is the named legal entity, working as a broker founded in 2016 and based in the US. As a broker, it places cover with the carrier named on the policy rather than carrying the risk itself.
Sources
- kin.com checked September 26, 2026
Backs: Provider type, Insurance types, Legal entity
“Insurance policies are marketed, solicited, distributed, and serviced by Kin Insurance Network Distributor, LLC (KIND) or may be referred to an affiliated licensed agency. KIND is a licensed producer...”
- kin.com/about checked September 26, 2026
Backs: Founded
“Founded in 2016”
- kin.com/contact checked September 26, 2026
Backs: Claims channels, Headquarters
“Filing a new claim The easiest way is the Customer Portal, or start one at claims.kin.com/start with your policy address.”
- kin.com/home-insurance checked September 26, 2026
Backs: Pricing model, Monthly payments
“You can typically pay for it all at once or in monthly installments.”
- kin.com/home-insurance/florida checked September 26, 2026
Backs: Premium from, Support channels
“Kin homeowners insurance customers in Florida pay an average annual premium of $1,976 for $350,000 in dwelling coverage, as of August 2026”
- kin.com/kin-insurance-network-distributor checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.