Kin, a direct-to-consumer digital home insurance provider, has officially launched its home insurance offering across the entire state of California.
California’s homeowners have struggled for years to secure comprehensive insurance, particularly in regions prone to wildfires, Kin explained. Even prior to the devastating January 2025 wildfires in Los Angeles County, the state had seen insurers scaling back their exposure.
Reports from the California Senate indicated that nonrenewal rates had tripled in the previous year, leaving tens of thousands of residents without coverage. Many policyholders were either forced to go without insurance altogether or resort to the California Fair Access to Insurance Requirements (FAIR) Plan, the state’s insurer of last resort. In the Palisades area, FAIR Plan coverage skyrocketed in the years leading up to the recent disaster.
Kin CEO and founder Sean Harper said, “Adapting to increased weather volatility is one of society’s greatest challenges at the moment, and insurance will play a key role.
“There is a growing narrative that places like California are uninsurable, which actually implies they are uninhabitable. We don’t think that’s true. California is insurable, and is an amazing place to live, but it will require new technology, new analytics and new business models, which is exactly why we created Kin.”
Kin’s approach to home insurance is rooted in its fully digital, direct-to-consumer business model, allowing the company to control the customer relationship from end to end.
This structure enables the InsurTech to address issues quickly, work directly with policyholders, and apply its advanced data and technology to assess individual property risks with precision. This allows Kin to serve high-risk areas where many traditional insurers have already exited.
Kin chief insurance officer Angel Conlin said, “As California experiences hotter, drier, and longer fire seasons, wildfire risk has become one of the biggest challenges for its homeowners. Kin provides customized insurance solutions that address these specific challenges, striving to offer comprehensive protection where and when it’s needed most.”
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