Kin insurance review 2025

Kin homeowners claims satisfaction

Third-party insurance ratings can be helpful when deciding between companies. J.D. Power is a consumer data and analytics company that publishes customer satisfaction surveys for the insurance industry (among other industries). For home insurance, J.D. Power scores each company for overall claims and customer satisfaction. The National Association of Insurance Commissioners (NAIC) keeps track of the number of formal complaints filed against an insurance company and assigns each company an index. A score of 1.00 indicates that a company received an average number of complaints expected for a company of its size, while a higher index indicates that a company received more complaints (and vice versa).

Because Kin is a smaller insurance company, it was not included in the J.D Power 2024 Home Insurance Study or the 2025 Property Claims Satisfaction Study. AM Best similarly doesn’t rate Kin Interinsurance Network or Kin Interinsurance Nexus Exchange for financial strength. Demotech — another financial strength rating company — gives Kin Interinsurance Network and Kin Interinsurance Nexus Exchange an A (Exceptional) financial stability rating. This rating indicates that Kin has historically been considered reliable in paying claims and remaining financially solvent. Given that the insurer specializes in high-risk properties that are likely to be hit with natural disaster damage, this score is important. After a flood or hurricane, an insurance company may be hit with thousands of claims at once.

Kin home insurance customer complaints

To file a claim with Kin, you can:

• Fill out the online form
• Call 1-866-204-2219

Once your claim has been filed, a claims specialist will typically contact you to review the loss. Then, they’ll do some research into the damage and your policy, determine if you have coverage and release a payment to you if applicable.

At the same time, Kin also uses technology to monitor homes in the path of storms and pinpoint houses that may have sustained damage. Then, Kin contacts policyholders proactively, warning them that they may have damage and asking them to inspect their homes. This process can help customers identify damage early, which may prevent issues from worsening.

Kin was founded in 2016, making it one of the newer insurers in the U.S. It has grown rapidly since its founding, and recently added several states to the portfolio of regions where it operates. The company has nearly 750 employees and has written more than 240,000 policies since its founding.

In short, yes — Kin home insurance is legitimate. Homeowners may be leery when considering insurance from a new insurance company, though, so it’s understandable to question whether Kin is legit. However, there are ways to check the validity of any insurer. Insurance companies must have a license to do business in any state where they offer insurance. So, you can check with your state's insurance commissioner's office to inquire about an insurance company's licensing status and license number. According to industry experts, if your state's insurance commissioner does not have the license number of a company you are considering, it is a red flag, and you may want to look elsewhere for insurance coverage.

Kin was founded by Sean Harper, Sebastian Villarreal, Lucas Ward and Stephen Wooten under the name Kin Insurance Technology Hub, LLC. Currently, Kin has many investors but is still a privately owned company that is not publicly traded.