# Kin

> Kin is a Chicago-based financial technology company selling home insurance directly to consumers, with a focus on catastrophe-exposed U.S. markets. It uses property data and technology to assess individual homes, manages customer-owned reciprocal insurance exchanges, and has expanded into auto insurance and home financing.

- **Founded:** 2016
- **Headquarters:** Chicago, United States
- **Founders:** Sean Harper (Co-founder and CEO), Lucas Ward (Co-founder and founding CTO), Sebastian Villarreal (Co-founder, identified in Kin’s 2017 launch announcement)
- **Products:** Homeowners insurance, Condo insurance, Mobile home insurance, Landlord insurance, Flood insurance
- **Notable:** Reported more than $100 billion in total insured property value in April 2025., Reported more than 250,000 home policies in force in June 2026., Reached a $2 billion pre-money valuation in September 2025.

## Products & services

- **Homeowners insurance** — Property and liability coverage sold directly online or with licensed-agent assistance; policy forms and underwriting entities vary by state.
- **Condo insurance** — Coverage for unit interiors, belongings and related exposures, subject to the policy.
- **Mobile home insurance** — Coverage tailored to manufactured and mobile homes.
- **Landlord insurance** — Coverage for properties rented to others, including eligible short- and long-term rentals.
- **Flood insurance** — Separate flood protection options; availability and policy terms vary by state.
- **High-value home insurance** — Property coverage options for higher-value homes, subject to underwriting and state limits.
- **Auto insurance** — Launched in Texas and Florida during 2025; publicly announced in January 2026 with home-and-auto bundling.
- **Home financing** — Mortgages, refinancing, home equity loans and HELOCs; launched as a Florida brokerage service in 2025, with direct lending and geographic expansion announced in 2026.

## Achievements

- Reported more than $100 billion in total insured property value in April 2025.
- Reported more than 250,000 home policies in force in June 2026.
- Reached a $2 billion pre-money valuation in September 2025.
- Reported $701.1 million in premium in force at June 30, 2026, a non-GAAP annualized measure.
- Announced more than $1.9 billion of catastrophe reinsurance protection for the 2026-2027 programs.

## Latest updates

- **2026-09** — Said it would allow Muse and other AI agents to shop its online insurance experience.
- **2026-09** — Announced average homeowners rate reductions exceeding 20% in Broward, Miami-Dade and Palm Beach counties.
- **2026-08** — Reported Q2 revenue of $68 million and premium in force of $701.1 million.
- **2026-06** — Said reinsurance cost per dollar of risk protection fell 25% for the 2026-2027 programs.
- **2026-05** — Announced a $335 million catastrophe bond through Hestia Re.
- **2026-04** — Launched home insurance in Oklahoma, its 14th state.

## Links

- Website: https://www.kin.com/
- LinkedIn: https://www.linkedin.com/company/kin-insurance
- Twitter/X: https://twitter.com/kin
- YouTube: https://www.youtube.com/c/KinInsurance
- Instagram: https://www.instagram.com/kin/
- Facebook: https://www.facebook.com/kinsured

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Profile page: https://yespress.io/kin
Published by YesPress — https://yespress.io
Last updated: 2026-10-17