Kin Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kin Insurance suits people who want a single US broker to place home, landlord or auto cover and pay for it monthly rather than in one sum. It has arranged cover since 2016, and home premiums start at $1,976 for Florida homes.
Key facts
- Best for
- US households wanting home, landlord or auto cover placed by a broker and paid monthly.
- Premium from
- $1,976↗
- Insurance types
- Home, Landlord, Auto↗
- Provider type
- Broker↗
- Monthly payments
- Yes↗
- Claims channels
- Phone, Online↗
- Legal entity
- Kin Insurance, Inc.↗
- Headquarters
- United States↗
- Founded
- 2016↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- kin.com
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Kin is a broker, so cover is placed with a carrier on the market rather than written by a single insurer
- Monthly payments are available, so an annual premium is not all due at once
- Home, landlord and auto cover all come from the same broker
- Support runs on email, chat and phone, so help is easy to reach
Cons
- Home premiums start at $1,976, which ranks 250 of 251 on starting price here
- Claims come in through phone and online only, so there is no other route for a claim
- The lines covered stop at home, landlord and auto, so life, health or travel cover needs another provider
Who it suits
- People in the US buying home, landlord or auto cover through a broker
- Households that would rather pay premiums monthly than in one annual sum
- Landlords who want buildings cover alongside their own home or auto policy
Who should look elsewhere
- Readers in Europe who want day to day banking rather than cover, where bunq or bunq Spain fit better
- Anyone saving through a life insurance wrapper instead of buying cover, which is Linxea's line of business
- People wanting life, health, travel or pet cover, none of which sit inside home, landlord and auto
Deposit protection
Kin Insurance is a broker, so cover is placed with a carrier rather than carried by Kin itself. The operating company is Kin Insurance, Inc., and it holds licences across US states, including Florida L105486, Texas 2741700 and Michigan 136002, alongside a California surplus lines licence 6014763 and an NAIC entry for Kin Interinsurance Nexus Exchange 33987.
How Kin Insurance compares
8.6 vs 8.6
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8.6 vs 9.4
8.6 vs 8.7Linxea is a savings and life insurance option, with a starting figure of €25.
8.6 vs 9.0
8.6 vs 8.8bunq is a bank rather than an insurer, with a starting figure of €0.
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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
How much does Kin Insurance cost?+
Home premiums start at $1,976, the figure shown on Kin's Florida home insurance page. For context, the median starting premium across the home insurance brands ranked here is €8.54, so Kin sits above the middle of the group.
Can I pay Kin Insurance monthly?+
Yes. Monthly payments are available, and the payment model Kin lists for home cover is monthly. Around 94.9% of the home insurance brands compared here also offer monthly, so this is a common feature rather than a distinguishing one.
Is Kin Insurance an insurer or a broker?+
It is a broker, operating as Kin Insurance, Inc. A broker places your cover with an insurer named on the policy rather than carrying the risk itself, so the carrier named on the policy documents is the party that pays a claim.
What kinds of cover does Kin place?+
Kin lists home, landlord and auto, so home, landlord and auto are the lines it places. Anything outside that set, such as life, health, travel or pet cover, sits with a different provider, and the range is narrower than some broader personal insurers.
How do I reach Kin about a claim?+
Claims reach Kin through phone and online, so you can call or start a claim online. Day to day support is broader, running on email, chat and phone, which adds email, live chat and a help centre for questions that are not claims.
Where is Kin Insurance available?+
Kin is based in the US and set up for US states, not for UK or European readers. Its licences include Florida L105486, Texas 2741700 and Virginia 156379, so a policy would sit with a US carrier.
How long has Kin Insurance been running?+
Kin has arranged cover since 2016, which makes it a relatively young name in US personal insurance. Its licences run across a set of US states rather than a single market, and the broker places home, landlord and auto cover.
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.
Kin Insurance
US households wanting home, landlord or auto cover placed by a broker and paid monthly.