Kin Insurance
Kin sells home insurance direct. Its Florida policies come from Kin Interinsurance Network. It is a reciprocal. Its members own it. It is in St. Petersburg.
You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 39364 and its NAIC number is 16603.
Taking new policiesChecked Oct 19 Home, condo, landlord, flood and auto
Is Kin leaving Florida? No. Kin cut home rates by more than 20% in Broward, Miami-Dade and Palm Beach counties in Sept 2026. It started selling auto insurance in Florida in Jan 2026. As of Oct 19, 2026. Source: webull.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
171,006
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A (Exceptional)
From Demotech
Complaints
0.69
NAIC index, 2025. 1.00 is average.
Near you
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What's changed recently
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Kin cuts South Florida home rates by more than 20%
Kin said it cut home rates by an average of more than 20% for new and current customers in Broward, Miami-Dade and Palm Beach counties. It called this its largest Florida cut. Its max insured value rose to $14 million.
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Kin starts to sell car insurance in Florida
Kin launched its first auto product in Florida and Texas. It is sold on its own or bundled with Kin home. Bundling takes up to 20% off auto.
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Demotech affirms A rating after Kin adds $20 million in surplus
Kin put $20 million of surplus into Kin Interinsurance Network at the end of March 2022. It used a surplus note. Demotech affirmed its A (Exceptional) rating on March 31, 2022.
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OIR clears Kin's new reciprocal to sell in Florida
OIR authorized Kin Interinsurance Network to transact insurance in Florida on June 24, 2019. It began business the same day. It wrote only in Florida in 2019 and 2020.
Rate history
No rate filings tracked yet.
7 years in Florida
In Florida since 2019. Has paid claims through 7 hurricanes.
Compare Kin side by side
| Kin | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 171,006 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 0.69 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A (Exceptional) Demotech | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 2019 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
Questions people ask about Kin
Is Kin leaving Florida?No.
Kin has insured Florida homes since 2019 and is still taking new policies. In September 2026 it cut home rates by an average of more than 20%. The cut was in Broward, Miami-Dade and Palm Beach counties. In January 2026 it added auto insurance in Florida.
Source: Kin press release, September 14, 2026; Insurance Journal, January 27, 2026
What is the Kin claims phone number?Call 866-204-2219.
Kin says the claims line is open 24 hours a day, 7 days a week, 365 days a year. You can also start a claim online at claims.kin.com/start or in the Customer Portal.
Is Kin a good company?Public data only: Kin's own site shows a Demotech rating of A (Exceptional) for Kin Interinsurance Network.
It has been licensed in Florida since June 2019. It reported $62.4 million in surplus as of March 31, 2024. Kin says it has more than $300 million in hurricane reinsurance.
Who owns Kin?Kin Interinsurance Network is a reciprocal, so its policyholders own it.
An attorney in fact runs it. That is Kin Risk Management, LLC. Kin Insurance, Inc. owns all of that firm. Kin Insurance is a private company based in Chicago. It was founded in 2016.
Source: Florida OIR financial examination report as of December 31, 2020
Is Kin admitted in Florida?Yes.
Kin Interinsurance Network is a Florida domiciled reciprocal. OIR authorized it to transact insurance on June 24, 2019. It is an admitted home insurer. So it falls under the Florida Insurance Guaranty Association. Kin writes Louisiana on a surplus lines basis. It does not do so in Florida.
Source: Florida OIR financial examination report as of December 31, 2020; Kin Interinsurance Network page
Is Kin the same as Kin Interinsurance Nexus?They are sister companies, not the same insurer.
Kin Interinsurance Network writes Florida and Louisiana. Kin Interinsurance Nexus Exchange writes Kin's other states. Both are reciprocals run by Kin. Both show a Demotech A rating on Kin's site.
Source: Kin contact page and financial strength page, read October 9, 2026
Kin reviews and complaints: what the public data shows
Kin rating
- Complaints
- 0.69 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 2019 (7 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.