name: Kin Insurance Plans and Pricing
description: >-
  Kin Insurance operates as a direct-to-consumer home insurance provider.
  Unlike SaaS API platforms with tiered subscription plans, Kin offers
  insurance policies priced individually based on property-specific risk
  factors. Premiums are calculated using thousands of property data points
  including location, construction type, roof age, proximity to coast,
  and claims history. Kin does not publish a public developer API with
  subscription tiers; pricing is determined per quote for each insured property.
plans:
  - name: Homeowners Insurance
    description: >-
      Standard homeowners insurance covering dwelling, personal property,
      liability, and additional living expenses. Available in Florida, Alabama,
      Arizona, Georgia, Louisiana, Mississippi, Oklahoma, South Carolina,
      Tennessee, Texas, and Virginia.
    url: https://www.kin.com/homeowners-insurance/
    features:
      - Dwelling coverage
      - Personal property protection
      - Liability coverage
      - Additional living expenses
      - Water backup coverage option
      - Equipment breakdown coverage option
    pricing:
      model: Per-policy premium
      basis: Risk-based underwriting using property data
      quote: Online instant quote available at kin.com
  - name: Condo Insurance
    description: >-
      Coverage for condo unit owners including personal property, liability,
      and improvements to the unit interior.
    url: https://www.kin.com/condo-insurance/
    features:
      - Personal property coverage
      - Unit improvements and betterments
      - Liability protection
      - Loss assessment coverage
    pricing:
      model: Per-policy premium
      basis: Risk-based underwriting
      quote: Online instant quote available at kin.com
  - name: Flood Insurance
    description: >-
      Private flood insurance as an alternative or supplement to NFIP policies,
      often with higher coverage limits and faster claims processing.
    url: https://www.kin.com/flood-insurance/
    features:
      - Building property coverage
      - Personal contents coverage
      - Replacement cost coverage option
      - Faster claims than NFIP
    pricing:
      model: Per-policy premium
      basis: Flood zone and elevation data-driven underwriting
      quote: Online instant quote available at kin.com
  - name: Auto Insurance
    description: >-
      Auto insurance offering expanded from Kin's home insurance platform,
      leveraging the same data-driven underwriting approach.
    url: https://www.kin.com/auto-insurance/
    features:
      - Liability coverage
      - Collision coverage
      - Comprehensive coverage
      - Uninsured motorist protection
    pricing:
      model: Per-policy premium
      basis: Vehicle and driver risk-based underwriting
      quote: Online instant quote available at kin.com
notes: >-
  Kin does not currently offer a public B2B API program with published pricing
  tiers. Their platform APIs for property data enrichment, quote generation,
  policy binding, and claims management are internal to their direct-to-consumer
  operations and partner integrations. Contact Kin directly for partnership
  or embedding inquiries.