Most insurance companies do not offer flood insurance coverage, making it quite hard for homeowners to get around expenses for damages due to flooding. Kin home insurance has made this easier. This home insurance company offers flood along with other benefits. Unlike other home insurance companies, these do not provide much insurance coverage.
You can purchase a flood insurance policy through this company as additional coverage for personal property, dwellings, or any other insurance coverage. However, this insurance company offers coverage to homeowners in different states such as Virginia, Arizona, Texas, Alabama, Florida, South Carolina, Mississippi, and even Louisiana. Irrespective of which of these states you reside in, you can purchase home insurance from this insurer.
Furthermore, Kin’s home insurance flood insurance additional coverage increases your dwelling insurance coverage limits. This coverage is different from the National Flood Insurance Program. It does not have a waiting period, and it covers more of your dwellings than the National Flood Program, which covers only $250,000 of your dwellings and $100,000 of your personal property.
Kin Home Insurance Coverage
This insurance company sells different home insurance policies that cover different things and events in a home. It sells HO-3 policies as well as the following insurance policies:
- Dwelling Coverage:
It covers the structure of your home along with other structures attached.
- Liability Insurance Coverage:
This coverage pays for accidental damages and injuries caused by a policyholder to others.
- Medical Payments:
In cases where a person sustains injuries on your property and requires medical attention, this insurance will cover the medical bills of the person.
- Other Structure Coverage:
For structures like fences, sheds, and garages, this Kin home insurance coverage pays for the damages made to them.
- Personal Property Coverage:
If your personal property is stolen, damaged, or vandalized, this insurance coverage will cover repairs and replacements.
- Additional Living Cost:
The cost of feeding, hotel bills, and other additional bills you may face if you have to evacuate your home for a while due to repairs or any other reason, this insurance coverage covers every additional cost.
Here you can easily select what home insurance coverage is good enough for you and your family. While we have these, you can purchase more than one of these insurance coverages.
Kin Home Insurance Additional Coverage
Aside from insurance coverage types, this home insurance company also offers different additional coverage options. One of these additional coverage options is flood insurance coverage. Other Kin home insurance additional coverage includes:
- Computer coverage.
- Golf cart coverage.
- Medical and liability payment coverage.
- Replacement coverage.
- Specialty coverage for high-value houses.
- Pet liability coverage.
- Extra dwelling coverage.
- Hurricane screen enclosure coverage.
- Identity fraud.
- Sinkhole coverage.
- Sump pump overflow coverage.
Irrespective of what home insurance policy you get, you can purchase any of these additional insurance coverages with it to offer more coverage. While you will be required to pay more due to this additional coverage, it is worth getting.
What Does Kin Home Insurance Not Cover?
Just like other insurance companies have events they do not cover, Kin Home Insurance has some events it does not cover. These events include:
- Damages due to negligence.
- Governmental actions.
- Nuclear hazards.
- Power failure.
- Earthquakes.
- International Damage.
- Law or ordinance,
- War.
In cases where your home gets damaged due to the above events, you will have to pay for replacements and repairs out of pocket.
Kin Home Insurance Discounts
Kin Home Insurance offers several home insurance discounts to homeowners after purchasing insurance policies from them. These discounts include:
- Electronic insurance policy discounts.
- Fire department tax discounts.
- Responsible repair discounts.
- Water damage detectors.
- Free claims.
- Fire and security monitoring devices.
- New home buyer.
- Secured community.
- Win mitigation.
Depending on your location and the type of home insurance coverage you get, discounts are determined. Also, in some states, if you purchase a Kin mobile home insurance policy, you may be eligible for senior discounts.
How to File a Kim Home Insurance Claim
Through the company website or by contacting the company in person or by phone, you can easily file an insurance claim. However, to file a claim on the company’s website, follow the below steps:
- Visit the Kin Home Insurance Company website.
- At the top of the homepage, click on Claims.
- On the next page, click on “Report your claim.”.
- On the form displayed, fill in your insured home address, the unit, and your name.
After this, click on Continue to head to the next page, then fill in every required information. Also, on the company’s website, you will find the call number in case you want to speak to an agent in person.