Why KINS

More Choice. A Better Experience.

Coverage Without Compromise reflects our belief that agents should have access to meaningful solutions for their customers, supported by an experience that respects their time and relationships.

Thoughtful Product Access

Access to HO3 and HO5 homeowners options, flexible coverage selections and specialized underwriting for eligible California properties.

Designed Around Agents

A streamlined online experience, real-time wildfire capacity decisions at the point of quote, and convenient access to quotes, policies and available servicing tools.

A True Partnership

We believe the best insurance relationships are built on responsiveness, trust, and a shared commitment to helping homeowners protect what matters most.

More Opportunity

Coverage capacity up to $5 million for the dwelling, higher-value home capability, optional coverages and deductible choices can help agents address a broader range of eligible customer needs.