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In California, Kin refers to Kin Distributor Insurance Services. Kin Distributor Insurance Services is a California surplus lines broker (license #6014763) and coverage is underwritten by a company that is not licensed or regulated by the California Insurance Commissioner.

For properties located outside of Florida or Louisiana, Kin "homeowners insurance" and "home insurance" refers to the Kin House & Property policy with an owner-occupied endorsement added. The base Kin House & Property policy, the HD3 policy, provides the coverages for customers who rent out their home to others, similar to a DP3 policy. For customers who live in their home full time or part time, an owner-occupied endorsement is added to provide the coverages of a typical homeowners insurance policy, which is similar to a HO3 policy.

Policies are marketed, solicited, distributed, and serviced by Kin Insurance Network Distributor, LLC (‘KIND”) or may be referred to an affiliated licensed agency. KIND is a licensed producer agency, and, where applicable, surplus lines broker. Coverage is subject to the terms and conditions of the applicable policy, availability, and qualifications for coverage and may vary by state. Not available in all states. Savings vary.