Bundling home & auto insurance

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?

Rest easy knowing your coverage protects what matters most.

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.

What does auto insurance cover?

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 your 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.

2 states and counting

We currently offer home and auto bundling to Kin customers in the following states — with more on the way.

• Texas
• Florida

Common questions about bundling home & auto insurance

What is a home and auto insurance bundle?

A home and auto insurance bundle is an agreement where an individual purchases both their homeowners and car insurance policies from the same provider. This arrangement is a common way to earn discounted coverage, often called a multi-policy discount.

How do you bundle home and auto insurance?

To bundle home and auto insurance, contact an insurance provider to request a quote for both policies at the same time.

What types of insurance can be bundled together?

While home and auto is the most popular combination, many other types of insurance can be grouped together to earn a discount.

How much can I save by bundling home and auto insurance?

Combining home and auto insurance often leads to one of the largest available discounts, typically saving homeowners between 5% and 15% on their total premiums.

Does bundling home and auto insurance affect coverage?

Bundling home and auto insurance does not typically reduce the quality of your protection. However, bundling can simplify your coverage.

Can I switch insurance companies to bundle home and auto?

You can switch insurance companies to bundle your policies at any time.

Who qualifies for home and auto insurance bundling discounts?

Most homeowners and renters who also own a vehicle qualify for a bundling (also known as a multi-policy) discount.