Kin Insurance shows strong presence in Florida homeowners insurance market

Kin Insurance has announced its significant presence in Florida's homeowners insurance market, alongside high customer satisfaction ratings on Google Reviews, based on publicly available data.

According to Insurance Business Magazine, Kin has expanded its Florida reinsurance program to enhance protections against natural catastrophes. For the 2024–2025 period, the program offers $1 billion in reinsurance coverage for Florida, an increase from $860 million the previous year. This coverage represents protection up to a one-in-160-year first-event loss and is supported by over 35 reinsurers rated A- or higher by AM Best.

As reported by Trustpilot, Kin Insurance has earned an impressive customer rating of 4.9 out of 5 stars, based on more than 6,190 reviews. Around 92% of reviewers gave Kin a full 5-star rating. Common themes in the feedback include responsive customer service, professional agents, and a straightforward process for obtaining homeowners insurance.

Trustguide.ai reports that Kin has achieved strong customer satisfaction scores, holding a 4.7-star average rating from nearly 7,000 reviews. This reflects approximately an 80% satisfaction score. Customers often commend the ease of signup, helpful service, and competitive pricing, though some express concerns about rate increases or claims delays.

According to the Florida Office of Insurance Regulation’s quarterly data as of June 30, 2025, Kin is among the larger private insurers in Florida’s homeowners insurance market. The company reported 97,487 owner-occupied homeowners policies in force, representing more than $56.8 billion in exposure. This positions Kin among the top ten insurers in the state for policy count—a notable achievement in a market dominated by Citizens Property Insurance and a few other major carriers.

Founded in 2016, Kin operates as a direct-to-consumer, technology-driven insurer. CoverageCat states that the company specializes in homeowners policies in catastrophe-prone regions such as Florida and also provides options for flood and mobile home coverage. Reinsurance News highlights that Kin emphasizes financial stability by maintaining large reinsurance programs and partnering with highly rated reinsurers.