Solutions Designed for California
KINS provides independent agents with access to property insurance solutions selected with the needs of California homeowners and agents in mind.
California Homeowners
Available through KINS Insurance Agency, the California Homeowners offering includes HO3 Special Form and HO5 Comprehensive Form options for eligible properties. The program is designed for well-maintained homes with strong risk characteristics, including primary and secondary residences, and select long-term rental exposures.
Coverage, availability and eligibility are subject to applicable program guidelines, terms and conditions.
Flexible Coverage for Eligible California Homes
The California Homeowners offering is designed for eligible low-to-moderate wildfire exposures and properties that benefit from specialized underwriting and coverage flexibility.
- HO3 Special Form and HO5 Comprehensive Form options
- Dwelling coverage up to $5 million and total insured value up to $11 million
- Other Structures and Personal Property options up to 75% of Coverage A
- Loss of Use options up to 50% of Coverage A
- Personal liability options up to $1 million and medical payments up to $5,000
- All Other Perils deductible options from $2,500 to $50,000 and wildfire deductible options of 1%, 2%, 5% or 10%
Coverage options, limits, deductibles and availability are subject to eligibility, underwriting guidelines and policy terms.
Water Loss Coverage
Eligible primary residences include $10,000 of water loss coverage, with options to increase coverage to $25,000, $50,000 or $100,000. Qualifying risks may be eligible for coverage up to full policy limits.
- Expanded water loss coverage may be available for homes equipped with an automatic water shut-off device.
- Seasonal or secondary residences may add water loss coverage when an automatic water shut-off device is installed.
- Homes with prior non-weather-related water losses may be considered with an automatic water shut-off device.
Water loss coverage is intended for sudden and accidental events. Continuous or repeated seepage or leakage and long-term moisture or maintenance conditions are not covered, subject to policy terms and exclusions.
Wildfire Capacity and Eligibility
The offering uses wildfire risk modeling and real-time capacity at the point of quote to support clear eligibility and pricing decisions.
- Wildfire deductible options of 1%, 2%, 5% and 10%
- Higher wildfire exposures may require a minimum wildfire deductible
- Properties with strong mitigation, including eligible IBHS-certified homes, may qualify for more competitive positioning and pricing advantages
Wildfire eligibility, capacity, deductible requirements and pricing are determined at the time of quote and are subject to underwriting guidelines.
Optional Coverage and Flexibility
Agents can tailor eligible policies with additional and optional coverages designed to address a range of homeowner needs.
- Equipment Breakdown up to $100,000
- Inland Flood up to $100,000 with a $5,000 deductible
- Limited Water Backup and Sump Discharge or Overflow up to $50,000
- Ordinance and Law up to 50%
- Personal Cyber Protection up to $50,000
- Service Line up to $10,000
- Scheduled Personal Property and other available policy options
- Long-term rental capability through a Landlord Coverage Endorsement to the HO3 form, subject to eligibility
Optional coverages vary by risk and policy form and are subject to limits, terms, exclusions and underwriting approval.
Discounts and Payment Options
Eligible customers may have access to discounts and flexible payment options.
- Discounts may include Auto Companion, IBHS, Paid in Full, Prior Insurance, Multipolicy, and New Home Buyer
- Payment options include paid in full, 25% down with six payments, or 20% down with nine payments
Discount availability and application vary, including whether a discount applies to the wildfire peril. Final terms are determined at quote and subject to program rules.