Kin, the direct-to-consumer digital home and auto insurance and finance provider, has launched auto insurance for its customers in Florida and Texas, enabling homeowners to bundle their policies for simplified management and cost savings.
The new auto insurance product allows Kin home insurance policyholders to combine coverage, potentially saving up to 20% on auto premiums. Bundling provides a streamlined experience, consolidating home and auto policies under one provider and offering comprehensive protection against local risks.
Data from a recent Kin survey highlights strong consumer demand for bundled insurance solutions. While 61% of homeowners currently bundle their policies, barriers remain for others: 18% reported bundling was not available with their current insurer, and over a third were either unaware of the option or its benefits. Cost is a major motivator, with 70% bundling because it is cheaper and 39% indicating they would switch providers for a 20% discount—matching the potential savings now offered by Kin.
Bundled policies simplify payments, policy management, and access to post-purchase support. Kin’s digital platform also reduces complexity for sales agents, streamlining quoting and underwriting processes.
Kin’s auto insurance expansion addresses challenges unique to Florida and Texas. In Florida, where car insurance premiums are among the highest nationally, Kin aims to provide competitive coverage that fills gaps caused by high uninsured driver rates. In Texas, Kin offers state-wide coverage designed to protect against diverse environmental risks without geographic restrictions.
In addition to auto and home insurance, Kin has recently launched home financing services in Florida. Its full suite of financial products includes mortgage loans, home equity loans, home equity lines of credit (HELOCs), and refinancing options, creating a comprehensive digital platform for customers’ insurance and finance needs.
Kin maintains strong customer satisfaction scores. As of 23 January 2026, the company has a 4.7/5 rating on Google Reviews from 7,965 users, an A+ and 4.76/5 rating with the Better Business Bureau from 1,018 reviews, and an “Excellent” 4.9/5 rating on Trustpilot from 6,757 users.
Kin Founder and CEO Sean Harper said, “Our customers in Florida and Texas told us they wanted the ability to bundle auto and home insurance, so we made it a priority to bring this product to market. By offering auto insurance alongside our existing home insurance, we are creating access to coverage that protects them from the unique risks in their states — from the high percentage of uninsured drivers in Florida to the significant storm exposure in Texas — while keeping costs manageable, simplifying the insurance experience, and strengthening long-term relationships with our customers.”
Homeowners interested in bundling their home and auto insurance with Kin should visit kin.com for more details. Kin offers insurance policies through its managed reciprocal exchanges.
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