Homeowners Insurance
 

Has anyone used kin.com for homeowners insurance. It seems very cheap and I am always leery of things that are much lower in price than most others.

No, I just got Alliance and I don’t like how many different people I have to deal with, and them telling me over and over that they haven’t received something that I’ve emailed five different times! Rant over.

interesting
Kin Insurance Review 2024 | Bankrate

I believe my financial guy uses AM Best for insurance company ratings. As i recall this si not a free service, you have to be a member, so maybe your bank or financial advisor can check for you.

As a new homeowner in The Villages, we shopped for home insurance all over the place.

Kin: I came across them via online search and rates looked very attractive
Broker: She strongly suggested to stay away from Kim
Agent: She suggested another carrier, who was 20% higher than Kin
Self: Went with a broker/agent in The Villages Insurance who found us with Cabrillo Coastal for about same rate as what our agent had suggested.

Our house has a brand new roof which drove most of the premium. Bundling cars, golf cart didn't seem to move the needle much.

Home Insurnce
 

I tried Kins. Good rate. No claims. Then next year policy went up 70%.

We have Kin. The first year was an introductory rate since they were new to FL and ours went up the next year. We had to file a claim this year for a leak in the pan/bladder in our shower, which was ceramic tile. Tile had to be chipped up to make this determination and couldn’t be matched, so we had to rip all tile out of the shower. Kin only paid for the cost of the shower pan/bladder, shower floor, and 24” up the wall to be replaced; we had to pay for the rest of the shower. Is this what other insurance companies would’ve done? I don’t know as we have never filed a claim like this before. I have no idea if this will cause our insurance to increase this year at renewal, but fingers crossed it won’t. If it does, I’ll have to shop, but the claim may cause all insurance to be more. I have found FL insurance to be much, much higher than GA insurance, but there’s nothing that I can do about it, except pay it. :undecided:

State farm wouldn't cover this at all. They will cover a pipe break that causes damage but not long slow leaks like a pipe drip.