Bundling home & auto insurance in Florida

Save up to 20%* when you bundle your home and auto policies with Kin.

When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.

Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.

Why bundle?

From a streamlined experience to serious savings, bundling makes life easier.

Savings

You can save up to 20% when you bundle your policies with Kin.*

Simplicity

Two policies, one portal. Manage everything in one, easy-to-access place.

Exceptional care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

What does homeowners insurance cover in Florida?

Clear protection and coverage that puts you in control.

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

Other structures for things like your detached garage or shed.

Personal property for your personal belongings that make your house a home.

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

Personal liability if you accidentally cause someone bodily injury or property damage.

Medical payments if a guest is injured on your property.

*Up to 20% savings based on filed auto rates for qualifying home + auto bundle customers with an eligible Kin company. Actual savings and eligibility vary by state and insurer. Discount applies to auto premiums when both policies are active. Savings not guaranteed.

What does auto insurance cover in Florida?

No matter what’s down the road, we’ve got you covered.

Bodily injury liability Covers costs related to injuries or death of another person because of an accident for which you are legally liable.

Property damage liability Covers costs related to damage to other people’s property because of an accident for which you are legally liable.

Collision coverage Pays to repair or replace your own vehicle after a collision, regardless of fault.

Uninsured/underinsured motorist coverage Covers bodily injury to you or your passengers if you’re injured in an accident caused by a driver who has no insurance or not enough insurance.

Personal injury protection (PIP) / Medical Payments These coverages can help pay for medical expenses, lost wages, and other related costs for you and your passengers after a car accident.

Comprehensive coverage Covers damage to your car from non-collision events like theft, vandalism, fire, hail, or hitting an animal.

Common questions about bundling home & auto insurance in Florida

What is a home and auto insurance bundle in Florida?

Bundling is purchasing your homeowners and car insurance from the same company. Rather than juggling two different bills from two different insurers, you combine them into a single account. This is often the simplest way for Floridians to unlock a significant discount, lowering the total price you pay for insurance. It also makes policy management easier by giving you one digital login, one team to call for any questions, and often a single due date for your bills and renewals.

How do I bundle my Florida home and auto insurance?

You can start a bundle by asking your current insurer to quote the other side of your coverage. For example, asking your auto insurer to price out a homeowners policy. You may also find value in contacting new providers to get a quote for a full package. This lets you see if a combined rate is more affordable than your current separate plans. Most companies can handle adding coverage to your existing policy or setting up new coverage entirely online or over the phone.

What types of insurance can Floridians bundle together?

Beyond the standard house and car pairing, Florida insurers often allow you to group several types of protection under one roof. Depending on what the company offers, you might be able to bundle:

• Home and auto: Grouping homeowners, condo, or renters insurance with your auto, motorcycle, or RV coverage.
• Liability boost: Adding an umbrella policy to provide an extra layer of liability protection over your existing plan(s).
• Other vehicles: Linking a boat, personal watercraft, or golf cart policy to your main account.
• Life coverage: Combining a life insurance policy with your property coverage.

How much can I save by bundling insurance in Florida?

Because Florida insurance rates can be higher due to tropical weather risks, bundling is a powerful tool for lowering your annual costs. On average, combining these policies results in a 5% to 15% discount on your total premiums. While a smaller group of insurers might offer savings reaching 20%, the exact amount depends on the company you choose, your specific location, and the value of the items you are insuring.

Does bundling home and auto insurance in FL change my coverage?

No, bundling doesn't change the "what" or "how" of your protection. Your home and car remain separate legal contracts with their own coverage limits, which is the maximum amount the insurance company will pay if you have a loss. Your car insurance still handles vehicle-related issues, while your property policy protects your living space and belongings. The only real change is the convenience of a combined bill and a potential discount.

Can I switch insurance companies in Florida to bundle?

You don’t have to wait for your current policy to end. Florida residents can switch to a bundle whenever — even mid-term. Just ensure your new bundle starts the moment your old policies end to prevent a gap in coverage, as insurance lapses can lead to higher rates later.

Who is eligible for FL home and auto bundling discounts?

The vast majority of people who own or rent a home and have a vehicle are eligible. As long as the policies are linked to the same account and household, the discount is typically applied to your total bill.