Kin Insurance

Kin Insurance is a Chicago-based direct-to-consumer home insurer founded in 2016, focused on homeowners, condo, mobile home, landlord and flood coverage in catastrophe-exposed states.

HeadquartersChicago, IllinoisUnited States · since 2016 DemotechA (Exceptional) — Kin Interinsurance Network and Kin Interinsurance Nexus ExchangeFinancial strength · 2026 Google Maps★ 4.79,449 reviews Your experienceLeave a reviewRating from 1 to 5 stars

About us

About Kin

Kin Insurance, Inc. was founded in 2016 and is based in Chicago. It sells home insurance directly to consumers online or through its own licensed agents. Its carrier partners, Kin Interinsurance Network and Kin Interinsurance Nexus Exchange, are reciprocal exchanges managed by Kin.

Products

Homeowners and high-value home insurance.
Condo, mobile home and landlord insurance.
Flood insurance.

States served include Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas and Virginia; availability varies by state.

Financial strength

Both exchanges hold a Financial Stability Rating of A (Exceptional) from Demotech and are backed by reinsurers rated A- or higher by AM Best or fully collateralized.

Contacts

Existing customers: 855-216-7674; new quotes: 855-717-0022. See our home insurance guide or request a quote.

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Key facts

Full legal name: Kin Insurance, Inc.
Headquarters: Chicago, Illinois, United States
Year founded: 2016
Ownership type: Private
Demotech rating: A (Exceptional) — Kin Interinsurance Network and Kin Interinsurance Nexus Exchange (2026)

Ratings change: before buying a policy, check the current rating and the company’s license in your state or country.

Customer ratings

Google Maps 4.7 9,449 reviews

Polis Re —no reviews yet

The Google Maps rating is for the company’s main office profile, as of 10.10.2026. Customer ratings do not replace checking the policy terms.

Types of insurance

Homeowners insurance

Company contacts

Existing policy support: +1 855-216-7674
Company website: kin.com

These are the insurer's own contact details. To compare its offer with others, send a request to Polis Re.

Checks before you choose

Company license in your state or country
Financial strength rating (AM Best, S&P, Moody’s, Fitch)
Policy coverage, limits, deductible and exclusions
Claims process and consumer complaints

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