Kin Insurance
Kin Insurance is a direct-to-consumer home insurance carrier offering coverage for homes, mobile homes, condos, and landlord-owned rentals. It writes its own policies rather than brokering other carriers, and its online quote and claims platform lets homeowners buy and manage a policy without an in-person agent. The company holds an A+ Better Business Bureau rating and says it serves more than 200,000 customers.
What people praise
- Reviewers describe claims paid promptly and without a fight, including a dog-bite liability claim honored in full
- Renewals that did not spike after a claim, according to multiple reviewers
- Agents credited with finding lower premiums than a customer's previous carrier
- Fast phone and email response, with several reviewers naming individual agents by name
- No hard-sell tactics reported when shopping for coverage
Worth knowing
- Coverage and claims process are handled online first, which suits some homeowners more than others who prefer a local office
Our take: It is the most-reviewed home insurer on this list by a wide margin, and the reviews specifically praise claims handling, which is the part that matters most when a Chicago winter actually breaks something. A strong default if you are comfortable managing a policy online.
Kin Insurance Headquarters, 222 W Merchandise Mart Plaza Suite 910, Chicago, IL 60654
