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Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.

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Tell us about your home.

Answer a few basic questions and we’ll generate your home insurance quote in minutes.

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Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.

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Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!

What does homeowners insurance cover in Florida?

Rest easy knowing your coverage protects what matters most.

for the actual structure of your home, inside and out.

for things like your detached garage or shed.

for your personal belongings that make your house a home.

for additional living expenses when a covered loss forces you to temporarily relocate.

if you accidentally cause someone bodily injury or property damage.

if a guest is injured on your property.

Discounts available in Florida

The average cost of home insurance has increased to more than $3,600 per year in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.

Home security - for installing security and fire alarms.

Wind mitigation - the more wind-proof your home, the better.

Water detection - because no one wants a flooded home.

Claims-free - for keeping your home safe over the years.

Electronic policy - for reducing your carbon footprint by saving some paper.

Why you'll love Kin

From small claims to disasters, we're here to help you recover quickly.

Here to help

We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online in your Customer Portal.

5-star care

Our licensed insurance experts are available to help via email, phone, or live chat.

Common questions about Florida home insurance

What's the average cost of home insurance in Florida?

The average cost of Florida home insurance premiums is $3,600 per year. Homeowners insurance in Florida is expensive because of the high risk of natural disasters such as hurricanes, floods, and sinkholes. Your home's risks depend on its location and other characteristics.

Is home insurance required in Florida?

While homeowners insurance isn't required at the state level, nearly all mortgage lenders require it. Plus, if your home is in a Special Flood Hazard Area (SFHA) like most Florida homes, your lender will usually require you to have flood insurance, too.

What factors affect home insurance rates in Florida?

Where you live, the age of your home, your home's characteristics, and other factors will determine the cost of your home insurance. Florida's rising insurance costs are also influenced by reinsurance, insurance fraud, litigation costs, catastrophic claims, and inflation.

What type of home insurance coverages are recommended in Florida?

Beyond the standard adjustable coverages for your home and things like other structures, personal property, and liability, you'll also want to consider adding flood insurance and sinkhole insurance.

And while there's technically no such thing as hurricane insurance, many home insurance policies include coverage for wind damage caused by hurricanes. They may also have a hurricane deductible that applies when you make a claim for losses caused by hurricane winds.

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Or call one of our agents at 855-717-0022