2023 Policygenius award winner
The bottom line
Kin flood insurance is a stellar option for homeowners in the South who already have Kin home insurance. Offered as a coverage add-on to your standard home insurance policy, you only have to pay one premium for both coverages. And your flood insurance deductible is the same as your home insurance one — with options up to $50,000 to help cut down on premiums.
Available in five Southern states at high risk of flood damage — Alabama, Florida, Louisiana, Mississippi, and South Carolina — Kin flood insurance doesn’t have a waiting period, nor is an elevation certificate required to get coverage.
However, with a building coverage maximum of $1 million, it may not be a good fit for higher-value homes. And it’s one of few flood insurance companies that doesn’t offer coverage for additional living expenses if you need to live elsewhere while your home is being repaired or rebuilt due to flooding. Kin flood insurance also doesn’t cover flood damage to swimming pools, decks, patios, or items in your basement.
Learn more >> Kin named Policygenius' Best Flood Insurance Company in Florida
Offered as a coverage add-on to Kin home insurance policies, so you only have to pay one insurance bill
Your home insurance policy deductible also applies to flood damage claims — with options of up to $50,000 to help you save on premiums
Available in 5 flood-prone states (Florida, South Carolina, Louisiana, Mississippi, and Alabama) with no waiting period or elevation certificate required for coverage
Not a good option for homes that cost more than $1 million to rebuild
Doesn’t offer coverage for swimming pools, landscaping, decks, patios, additional living expenses, or personal belongings in your basement
Not available in most of the U.S.
Basic coverages offered
Kin flood insurance policies include these two standard coverages to protect your home and belongings from flood damage caused by high tides, hurricane storm surge, heavy rain, and more:
If you get flood insurance with Kin, the following three additional coverages are also included in your base policy:
Other structures: Pays to repair or rebuild additional structures on your property separate from your home, including detached garages and storage sheds. However, damage to structures like your pool, fencing, patio, and deck aren’t covered.
Additional coverages offered
To further protect your home from flood damage, you can add these policy add-ons — also called endorsements — to your Kin flood insurance policy for an additional cost:
Our price rating scale looks at the average cost of a standalone flood insurance policy with the carrier based on 2020 pricing data from the National Association of Insurance Commissioners (NAIC). However, since we didn’t have NAIC pricing data available for Kin as of April 2023, we based its score on the average cost of a Kin flood insurance policy in Florida based on data on Kin’s website. With an average annual cost of $856, Kin scores above average for price.
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. It also takes into account the carrier’s waiting period — the number of days before your coverage goes into effect after you purchase a policy. While Kin has no waiting period — a plus — it received over three times the number of complaints expected for a company of its size in 2022.
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. It also takes into account the carrier’s coverage availability in high-risk states like Florida, Texas, Louisiana, California, or New Jersey. Kin scores above average thanks to its slew of valuable coverage add-ons and availability in five Southern states at high risk of flood damage.
Our financial strength rating is based on the company’s AM Best rating — the industry-leading metric to measure a company’s financial strength and stability. Since Kin is not rated by AM Best, we based its score on its A (Exceptional) rating from Demotech, another rating firm that measures the financial strength and stability of insurance carriers.
How much does Kin flood insurance cost?
The average cost of flood insurance with Kin in Florida is $856 per year, according to data on Kin’s website.
However, you could pay even less if you opt for a National Flood Insurance Policy (NFIP) endorsement that’s underwritten by Kin, which comes in at $196 per year, according to our 2023 analysis of flood insurance pricing data from the Federal Emergency Management Agency (FEMA).
Just keep in mind your own rates will vary depending on factors like your home's flood zone, elevation, and how much coverage you need.
Average cost of Kin flood insurance in Florida by county
Here’s a look at the average cost of flood insurance with Kin by county in Florida. Not surprising, counties located on the East and West Coasts of Florida have higher rates than more inland areas.
Average annual cost
Lee (Fort Myers)
Kin flood insurance state availability
Kin offers flood insurance policies in five states: Alabama, Florida, Louisiana, Mississippi, and South Carolina.
Kin vs. NFIP flood insurance
Kin private flood insurance is an alternative to the NFIP — a government-backed program run by FEMA that accounts for around 90% of residential flood insurance policies. 
However, the NFIP’s low coverage limits, 30-day waiting period, and minimal coverage add-ons available have made private flood insurance more and more popular.
Compare Kin flood insurance to the NFIP to decide which policy makes the most sense for you:
Average annual cost
Maximum home rebuild limit
Maximum personal property limit
Replacement cost building coverage
Replacement cost coverage for belongings
Loss of use coverage
Debris removal coverage
Highest deductible option
Learn more >> Private flood insurance vs. NFIP: Which is better?
What to expect with Kin flood insurance
How to get a quote: You can get a Kin flood insurance quote online or by calling 855-717-0022.
Customer service options: You can get in touch with a Kin customer service rep by calling 855-216-7674 or filling out a form on its website.
How to file a claim: You can file a Kin flood insurance claim by calling 866-204-2219 or emailing firstname.lastname@example.org.
How to cancel your policy: You can cancel your Kin flood insurance policy by contacting your Kin agent (their contact info should be on your policy declarations page).
Kin vs. other flood insurance companies
Compare Kin flood insurance to other insurers in the industry:
Frequently asked questions
What other types of residential insurance does Kin offer?
In addition to homeowners insurance with a flood endorsement, Kin also offers mobile and manufactured home insurance, condo insurance, house and property insurance for Airbnbs and other short-term rentals, landlord insurance, and protection against hurricanes and other windstorms.
What is the difference between standalone flood insurance and a flood endorsement?
Standalone flood insurance refers to a separate flood insurance policy with its own policy premium and billing, while a flood endorsement is coverage that’s added onto a standard home insurance policy. With a flood endorsement, you only have one premium and bill for both your home and flood insurance coverage.
How do I get a quote for Kin flood insurance?
You can get a Kin flood insurance quote online and purchase your policy right then and there. You can also get a flood insurance quote by calling Kin’s sales team at 855-717-0022.
Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.
Wharton Risk Management and Decision Processes Center
. "The National Flood Insurance Program: A Primer
." Accessed April 26, 2023.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Questions about this page? Email us at email@example.com.