Homeowners insurance in Florida

Our HO3 Florida home insurance policies offer:

• Replacement cost coverage for your dwelling, other structures, and your belongings.
• Loss of use coverage can pay for additional living expenses if a covered claim makes your home uninhabitable during repairs.
• Personal liability coverage protects you if you're held responsible for another person's bodily injuries or property damage.
• Medical payment coverage may help pay for someone's immediate medical bills if they are injured on your property.

Your policy covers your home for all damage except the perils explicitly excluded in the policy. That means you’re covered for hurricane damage, catastrophic ground cover collapse, and more.

Flood insurance and sinkhole insurance are both available as endorsements, but they are not part of your standard home insurance policy. If you’re eligible for coverage, you can add them simply by selecting the endorsements in your online quote or asking your representative for help.

Florida customers report saving an average of $1,005 when they switch to Kin!

We offer the following home insurance discounts to Florida residents:

• Home security discounts
• Wind mitigation discounts
• Secured community discounts
• Water detection discounts
• Claims-free discount

And, here are some of the best ways to save even more money on homeowners insurance:

• Choosing a higher deductible. This will lower your premium, but you will pay more out of pocket when you need to make a claim. Never take on a deductible you can't comfortably afford.
• Improving your credit score. This has a big impact on your rates. Simply paying your bills on time and not carrying a large balance on your credit cards can boost your score quickly.
• Shoring up your home's wind defenses. Florida requires home insurance companies to offer insurance discounts for homes that are hurricane-resistant. Reinforcing your roof and installing impact-resistant windows can significantly reduce your insurance bill.

Kin Interinsurance Network is a fully licensed Florida home insurance carrier that has earned a Financial Stability Rating® (FSR) of A, Exceptional by Demotech, Inc. You can rest easy knowing your policy is backed by financial strength to pay claims, even after a widespread catastrophe.