Kin Insurance is a direct-to-consumer home insurance company founded in 2016 and headquartered in Chicago, Illinois. Policies are issued through reciprocal exchanges — the Kin Interinsurance Network and the Kin Interinsurance Nexus Exchange — which are policyholder-owned entities that Kin manages. Its about page lists operations in 14 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, and Virginia, with a concentration in catastrophe-exposed coastal markets.
Flood insurance appears among the coverages Kin lists alongside its homeowners products. Kin is not on FEMA's Write Your Own company list, so its flood coverage is private coverage rather than federally issued NFIP policies. Its exchanges carry a Financial Stability Rating of A ("Exceptional") from Demotech, and its about page states the exchanges are backed by a panel of more than 40 reinsurers.
Company facts
| Founded | 2016 [1] [2] |
|---|---|
| Headquarters | Chicago, Illinois [2] |
| Company type | Direct-to-consumer home insurer; policies issued by reciprocal exchanges (Kin Interinsurance Network; Kin Interinsurance Nexus Exchange) [1] |
| States listed | 14: AL, AZ, CA, CO, FL, GA, LA, MS, MO, OK, SC, TN, TX, VA [1] |
| Flood offering | Flood insurance listed among its coverages, sold with its home insurance products; private coverage, not NFIP policies [1] [3] |
| Relationship to the NFIP | Not on FEMA's Write Your Own company list [3] |
| Financial rating | Demotech Financial Stability Rating: A ("Exceptional"); reinsurance panel of 40+ reinsurers [1] |
Fields without a verified source are omitted rather than estimated, per the site's editorial policy.
Relationship to the NFIP
Kin is primarily a homeowners insurer; flood is one coverage in its lineup rather than its core business. It does not appear on FEMA's list of the 48 Write Your Own program insurers — verified page by page by this site — so flood coverage bought through Kin is a private contract whose terms, limits, and waiting periods are set by the exchange's filed forms rather than by federal statute.
The federal mechanics documented in this site's guides — statutory renewal caps, NFIP policy assumability, the federal 30-day waiting period — apply to NFIP policies, not to Kin's. For mortgage purposes, the 2019 joint lending rule requires regulated lenders to accept private flood policies meeting the Biggert-Waters statutory definition.
How federal and private coverage differ structurally: NFIP vs. private flood insurance · the Write Your Own program
Frequently asked questions
Does Kin sell NFIP flood insurance?
Kin is not on FEMA's Write Your Own company list, so it is not an issuer of federal NFIP policies. The flood coverage it lists with its home products is private coverage through its reciprocal exchanges.
What is a reciprocal exchange?
An insurance entity owned by its policyholders (subscribers) and run by a manager — here, Kin. The Kin Interinsurance Network and Kin Interinsurance Nexus Exchange issue the policies Kin sells.
Where does Kin operate?
Its about page lists 14 states — Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. State availability of specific coverages is set by its filings in each state.
Does this site publish Kin premium data?
No. This site's statistics come from federal NFIP records; private insurers' prices are not in those records.
Sources
- Kin Insurance: About us (kin.com) — accessed 2026-07-16
- Better Business Bureau: Kin Insurance business profile (Chicago, IL; business started April 2016) — accessed 2026-07-16
- FEMA/NFIP: Write Your Own flood insurance company list (agents.floodsmart.gov) — accessed 2026-07-16