Kin

Kin Insurance is a direct-to-consumer homeowners insurance company focused on climate-prone regions, operating in 13 states with over 240,000 policies bound since its 2016 founding. Rather than relying on legacy underwriting models, Kin uses technology and granular data to deliver more accurate risk pricing and streamlined online policy management. Coverage is underwritten through Kin Interinsurance Network and Kin Interinsurance Nexus Exchange — both rated 'A, Exceptional' by Demotech — and backed by 40+ A-rated reinsurers. Kin customers save an average of $989 annually versus traditional insurers, and the company holds a Net Promoter Score of 80 versus an industry average of 42. In addition to homeowners insurance, Kin offers landlord, mobile home, condo, high-value home, and flood coverage.