The Home Insurance Guide

Overall Personalized Rating: 4.5/5 (Excellent)

Overall Personalized Rating: 4.4/5 (Very Good)


If you are looking for a streamlined way to get home insurance, check out Kin. They leverage third party data sources to simplify and speed up the quoting process. They typically offer competitive pricing in States that many other insurance companies may not write in, like Florida and Texas. If you are looking for quick and affordable choice for Home Insurance, Kin's a good choice.

Key Benefits

  • Kin writes policies in higher risk states that many carriers won't underwrite in
  • Applies a data driven approach to insurance, enabling getting a quote in about a minute
  • Competitively priced homeowners insurance
  • Pays out claims on replacement value as opposed to value after depreciation, leading to a higher payout in most cases

Ratings Summary

Ratings Highlights

Overall Rating
Kin has focused on making the transaction easy to understand and quick to process. Also, they write policies in areas that many others don't.
Kin tends to operate in markets that the large insurance carriers shy away from or don't aggressively price their products in. In our research, Kin's quotes were much lower than the large brands. Also, they have a very streamlined process to get a quote, so if Kin's available in your area, be sure to get a quote.
Online Experience
Streamlined, consolidated and smooth.
Financial Strength
Kin is an insurance agency, financial strength is derived from the underlying insurance carrier.
Product Breadth
Kin offers what you need from home insurance, but cannot offer a bundled product as they do not sell auto.
Best for Claims
Kin prides itself on speed and responsiveness within claims.

Company Background

Kin was founded in 2016, but has grown quickly to almost 100 employees at the time of this review. It is headquartered in Chicago, IL. At the time of this writing, Kin has offerings in FL, and TX.

The Home Insurance Guide's Reviews Methodology

The Home Insurance Guide uses a proprietary algorithm to evaluate the home insurance options presented. Factors include financial strength of the company, breadth of insurance products, pricing and customer service. In addition, The Home Insurance Guide conducts an invite-only annual survey and interviews home insurance agents to gain the insights from those whose job it is to understand and recommend the best insurance companies for their clients. Use of The Home Insurance Guide’s 2023 reviews by third parties without the express written consent of The Home Insurance Guide is prohibited.