Kin Insurance, Inc.

Kin Insurance, Inc. is a technology-driven home insurance company founded in 2016 and headquartered in Chicago, Illinois. The company's core mission is to modernize the home insurance industry by providing simple, affordable, and fair coverage, particularly for homeowners in catastrophe-prone regions. Kin leverages a data-driven platform and a direct-to-consumer model to streamline the insurance process and accurately assess risk.

Kin offers a range of insurance products including homeowners, condo, mobile home, landlord, second home, and flood insurance. The company has expanded its offerings to include auto insurance in select states and home financing. Operating in 14 states, Kin focuses on areas susceptible to severe weather events such as hurricanes and wildfires, including Florida, Louisiana, California, and Texas. Its direct-to-consumer approach aims to reduce overhead and offer competitive pricing, while its carriers, the Kin Interinsurance Network and Kin Interinsurance Nexus Exchange, hold an A, Exceptional Financial Stability Rating from Demotech.

Under the leadership of Co-Founder and CEO Sean Harper, Kin has achieved significant growth, surpassing a $1 billion valuation and attaining unicorn status. In Q1 2026, the company reported a 95% year-over-year surge in operating income and a 20% increase in total revenue to $56.6 million. As of June 2026, Kin had surpassed $6 million in auto gross written premium and over 250,000 home policies in force. The company further strengthened its financial resilience by securing a $335 million catastrophe bond in May 2026 to expand storm protection. Kin continues to be recognized for its customer service and trust, earning accolades in 2026 USA TODAY rankings.