Founded in 2016 by Lucas Ward and Sean Harper, Kin Insurance leverages property data to customize coverage and prices, providing low-cost home insurance through a direct-to-consumer model. The company also assists customers in lowering premiums by recommending safety products and services. Kin Insurance has received funding from various investors and holds a financial stability rating of "A - Exceptional" from Demotech, Inc. Currently available in Florida and Louisiana, Kin is committed to serving catastrophe-prone regions and coastal homeowners impacted by climate change.