Kin Insurance, a US-based digital home insurance company that provides direct-to-consumer coverage through an online platform, has launched auto insurance for its home insurance customers in Florida and Texas, opening the door to bundled coverage in two of the most volatile insurance markets in the country.
The move lets policyholders combine home and auto policies under one provider. Kin said customers bundling coverage can cut auto premiums by as much as 20%, a meaningful incentive as rates climb.
Bundling also brings simpler policy management and broader protection under a single platform.
Kin said the rollout responds directly to pressure building in both states. Florida continues to post some of the highest auto insurance premiums in the US, paired with a large share of uninsured drivers.
Kin said its pricing and digital-first approach aim to narrow those gaps with clearer, more competitive coverage.
In Texas, the insurer said auto coverage extends statewide without geographic carve-outs. The offering accounts for the state’s mix of weather risk, from hail and floods to severe storms, without limiting eligibility by region.
Kin pointed to survey data showing demand for bundled products remains strong but uneven. About 61% of homeowners already bundle insurance.
Roughly 18% said bundling wasn’t available to them, while more than a third said they didn’t know the option existed or didn’t understand the upside.
Price drives behaviour. Kin said 70% of bundlers cite savings as the primary reason. Nearly 39% said they would switch providers for a 20% discount, matching the savings Kin is pitching to its bundled customers.
Founder and chief executive Sean Harper said customers in Florida and Texas pushed for the expansion. He said the company prioritised auto coverage to match how people actually want to buy insurance.
Harper said the bundled product responds to state-specific risks, from uninsured motorists in Florida to storm exposure in Texas. He framed the launch as a way to keep coverage affordable while cutting friction and building longer-term customer relationships.
Founded in 2016 and headquartered in Chicago, Kin specializes in insuring homes in catastrophe-prone regions, leveraging data analytics and technology to price risk accurately
Kin operates without agents, offering fully digital homeowners, condo, landlord, and mobile home insurance, plus private flood policies. Its 2025 reinsurance program provides over $1.6 billion in catastrophe protection across 44 reinsurers and 29 catastrophe bond investors, exceeding regulatory requirements for high-risk markets such as Florida and California.
Its products are underwritten by the reciprocal exchanges Kin Interinsurance Network and Kin Interinsurance Nexus Exchange, which are owned by policyholders who share in underwriting profits.
Serving over 160,000 policyholders in 2024, Kin wrote nearly $500 mn in gross premium and achieved its first full year of profitability. It focuses on high-risk states where traditional insurers often withdraw due to hurricane, flood, or wildfire exposure.
