Complaints

This profile includes complaints for Kin Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Kin Insurance

  222 Merchandise Mart Plz Ste 910 Chicago, IL 60654-1103

  
• 

  Kin Insurance Inc.

  415 1st Ave N Saint Petersburg, FL 33701-3802

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/04/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Against: Kin Insurance Nature of Complaint: Bad faith and possible fraud in handling hurricane damage claim (Hurricane ******)Details of the Complaint:I am filing this complaint because Kin Insurance has acted in bad faith regarding my homeowners insurance claim for damages caused by Hurricane ******. I have been a paying customer with ********************, trusting them to provide coverage when I needed it most. Unfortunately, when I filed my claim after the hurricane, their response has been nothing short of unethical and possibly fraudulent.Kin Insurance has repeatedly:Delayed the processing of my claim without legitimate reason.Requested excessive and redundant documentation which I provided promptly each time.Denied parts of my claim using vague and unfounded justifications that contradict my policy coverage.Failed to communicate in good faith or provide a clear explanation for their denials.Their tactics appear designed to avoid paying out on a legitimate hurricane-related loss. This is not only unfair but also violates the trust and legal obligations they owe their policyholders. I suspect their actions may constitute insurance fraud under state law.

  

  Business Response

  Date: 07/18/2025

  Please see attached response

  Customer Answer

  Date: 07/19/2025

   
  Complaint: 23558237
  
  I am rejecting this response because:

  RE: Complainant: ****** ******
  Complaint ID: ********
  ********************** Company: Kin Interinsurance
  
  
  To Whom It May Concern:
  
  
  I am writing in response to the above-referenced complaint regarding my claims with Kin Interinsurance for damages sustained during Hurricanes *** and ******.
  
  
  For Hurricane ***, Kins adjusters initially determined that the damages were hurricane-related but concluded that the cost of repairs did not exceed my deductible. However, I provided additional estimates clearly showing that the damages were well over the deductible amount. Despite this, *** maintained its position without reassessing based on the new evidence I submitted.
  
  
  Regarding Hurricane ******, *** hired an independent adjuster who inspected the property. It was agreed during this inspection that damages to the roof, siding, and floors were directly caused by Hurricane ******. Yet, Kin has failed to act in good faith to resolve the claim appropriately.
  
  
  This lack of fair handling and refusal to honor coverage is why I have reported this matter to the Better Business Bureau as potential fraud. I respectfully request a thorough review of my claims and prompt action to resolve these issues in good faith.
  
  
  Sincerely,
  ****** ******
  
  
  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 07/25/2025

  Please see attached response.

  Customer Answer

  Date: 07/25/2025

   
  Complaint: 23558237
  
  I am rejecting this response because:

  To Whom It May Concern,
  
  
  I am writing in response to this response to the complaint I submitted regarding the mishandling of my insurance claims related to Hurricane *** and Hurricane ******.
  
  
  Regarding Hurricane ***, the claim was filed promptly after a licensed contractor inspected my property and confirmed the damages were directly caused by the storm. Despite this, Kin denied the claim without presenting any clear justification or supporting evidence. After the denial, and in the absence of timely support from Kin, I had no choice but to begin necessary repairs to protect the property from further damage.
  
  
  As for Hurricane ******, an independent adjuster thoroughly inspected the property and confirmed that all damages were storm-related and covered under my policy. I then requested a second field inspection with a licensed contractor present to further support the findings. *** denied this request without valid reason. We submitted both photographic documentation and an official written estimate of the damages caused by Hurricane ******, yet Kin failed to acknowledge or respond to this additional evidence.
  
  
  These actions demonstrate a clear pattern of bad faith and negligence in handling both claims. I am requesting a full and fair reconsideration of both claims and that Kin act in accordance with the policy provisions, Florida insurance regulations, and the duty of good faith owed to policyholders.
  
  
  Please confirm receipt of this email and advise on the next steps for resolution.
  
  
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:07/01/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filled out the online form on Kin for a home insurance quote for a condo in ********** and was given a quote specific to my address and dates. I used this quote in mortgage conversations. I then got a phone call telling me that Kin does not actually provide condo insurance in ********** and that my quote was being revoked, but they somehow were trying to upsell me in the same call even though I dont even own a non-condo home.

  

  Business Response

  Date: 07/14/2025

  Please see attached response

• Initial Complaint

  Date:06/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a marketing email from them to quote my Homeowners. I went ahead and went through it filled it out with all the detailed coverages I wanted. It gave me a price of $4,500 and said to call agent. I call in and the agent immediately starts asking me some of the same questions I already answered on the form I filled out to get the quote. I asked her if she got what I filled out she said yes but they dont go by that. On the form it said the value of my house was $596,000 but when she was going over it she said thats wrong it should be $630,000 I said my house and comps are only at $600k where did she get that number couldnt tell me. Then says the quote I got will go up. I said then why did i just spend a half hour filling out ALL my info if it wasnt even going to be inputted. ******! THEY ARE BAIT AND SWITCH. They give you a low number to get you to call so they can upsell you. DONT WASTE YOUR TIME

  

  Business Response

  Date: 07/08/2025

  Please see attached response. Thank you.

• Initial Complaint

  Date:06/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Key Issues - Misrepresentation of Coverage Kin denied coverage for wear and tear on behind the wall plumbing in a 1977 built home. Insurance exists to protect against unforeseen failures. They wrongly classified the concealed leak as neglect, despite active monitoring systems like humidity alarms and a **** leak detection device.- Obstruction and Delays Kin claims additional documentation is needed but fails to specify what is missing. All relevant claim details have been provided. They ignored expert assessments from Roto Rooter confirming the cause of damage and required emergency mitigation.- Financial Harm and Unfair Practices I covered ***** in emergency repairs and 2000 in professional claim assistance. *** denied direct payments to Roto Rooter for mitigation work despite contractual obligations. Their delay tactics pressure policyholders into accepting unfavorable settlements.Request for BBB Mediation I request BBB mediation to ensure Kin Insurance provides clear documentation requests instead of vague deflections, corrects misrepresentations in my claim file, establishes a resolution timeline for payments, and acknowledges its failure to follow fair insurance practices.

  

  Business Response

  Date: 06/13/2025

  Please see attached response.

  Customer Answer

  Date: 06/16/2025

   
  Complaint: 23404265
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:05/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Kin Insurance abruptly canceled my homeowners policy just 6 days after the coverage period began, without an opportunity to respond or provide additional information. I received the following message from them:-Email from Kin Insurance-Hello, XXXX Unfortunately, we wont be able to continue to provide coverage for your property at XXXXXXX. A recent audit has uncovered an issue that makes your property ineligible for coverage with Kin Insurance.Reason for Cancellation: Ineligible plumbing materials used in the home, Roof condition does not meet eligibility requirements and/or the roof has exceeded its useful life.-End of message-At no point prior to cancellation was I contacted or asked to explain or verify these findings. The audit and cancellation decision were made without any direct communication with me. Kin asked no questions before the decision to cancel, and a physical inspection was never conducted. A brief phone call to *** support indicated they would reconsider coverage if I had a full roofing replacement. The roof is 6 years old and in excellent condition, including a partial heat-reflective coating. There are no plumbing leaks, no history of leaks, no water damage or mold/mildew on the property. Desired Resolution:1) A full refund of the $792.75 charged for this quarter, and 2) Additional compensation for the time and effort now required to secure replacement coverage

  

  Business Response

  Date: 05/30/2025

  Please see attached response.

  Customer Answer

  Date: 06/02/2025

   
  Complaint: 23334269
  
  I am rejecting this response because:

  Kin cancelled the policy and has not processed a refund in any amount, nor offered to process a refund.  Kin has placed the burden of retrieving a refund on me instead of voluntarily processing the refund that is due.

  Kin has offered no evidence to support their claim that that the "unpermitted" roof coating is a "patch", and "inconsistent with a standard reflective coating", when it is in fact a genuine reflective coating and requires no permitting.  Additionally, Kin has provided no evidence that plumbing is in "poor condition" and the photos on file prove this claim to be entirely inaccurate and falsified.

  I demand a full refund at the absolute minimum and immediate flat cancellation of the policy upon receipt of this message.

  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 06/10/2025

  Please see attached response.

  Customer Answer

  Date: 06/11/2025

   
  Complaint: 23334269
  
  I am rejecting this response because:
  
  Kin has repeatedly shifted and misrepresented the reasons for cancelling my policyan obvious attempt to avoid upholding their contractual obligations. 
  
  Kin's Initial cancellation letter:
  Ineligible plumbing materials used in the home
  Roof condition does not meet eligibility requirements and/or has exceeded its useful life
  
  Kin's First BBB rebuttal:
  Flexible plumbing materials in poor condition
  Patched area does not span the entire roof and appears inconsistent with a standard reflective coating
  
  Kin's Second BBB rebuttal:
  Flexible plumbing materials appearing aged or compromised
  Presence of a roof patch inconsistent with standard reflective coating materials
  
  All of these shifting explanations are demonstrably false. The plumbing in question was newly installed and in perfect condition.  My roof is only six years old, features a proper partial reflective coating, not a "patch", and remains well within its normal service life. 

  
  By shifting their stated reasons at each turn, Kin has lied to the BBB and failed to honor the insurance policy they sold me. 
  

  
  

• Initial Complaint

  Date:05/13/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Kin Insurance has cancelled my policy while actively ignoring emails attempting to discuss the repairs requested and timeline.

  

  Business Response

  Date: 05/28/2025

  Please see attached response.

  Customer Answer

  Date: 06/03/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:04/20/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Was guaranteed by an agent that my request was approved and would take change within 24 hours. 24 hours past and I reached out. I was told that I was given misinformation and that to make this change, I needed a permission slip from a 3rd party. I had to prove that my mortgage company was asking me to PAY MORE MONEY for my premium. Even my loan agent laughed and considered this ***** and a waste of time. I am the homeowner, I am the policy holder, you work for me and do as I say because that is what I paid you for. My loan agent rushed the email right over, despite this request being stupid. Did we hear back? NO. I am now having to hope that they get there act together and make this change tomorrow on Monday, or I want my money back and to cancel my premium with these INCOMPETENT, LAZY, NO GOOD INSURANCE.

  

  Business Response

  Date: 04/25/2025

  Please see attached response.

• Initial Complaint

  Date:04/09/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Kin insurance sent me this email AFTER THEY TOOK MY VANKING INFORMATION FOR AUTOMATIC WITHDRAWAL! See the email below ?? Our underwriting review of your home discovered something that can significantly increase your risk of loss, damage, or injury. We know its not ideal news, but some repairs are required to keep your property safe and your policy active. Weve included a full description of the issue and information about how it can be addressed. Were asking that you have these issues addressed by a licensed professional within 30 days of this email so that we can continue your coverage.Repairs Required:Roof - Lifting/Curling Shingles Curling, lifting, or buckling shingles are signs of deterioration and wear and tear to a roof. They may also be a sign of poor workmanship or installation. As the shingles pull away from the roof sheathing, they can let in moisture and are at a higher risk of being blown off during windstorms, hurricanes, or rain.Please have a licensed roofing contractor evaluate the roof and recommend repair or replacement.A new roof will not only provide you with better protection but may also provide discounted insurance premiums.Documentation from a licensed roofing contractor confirming repair to lifting shingles or proof of re-roofing would be acceptable as proof of repair.We appreciate your timely attention to this matter in order to keep your policy in good standing. Failure to complete the required repairs may result in policy cancellation.I WANT THIS POLICY CANCELED AND AND I DO NOT WANT THEM TAKING ANY AUTO WITHDRAWALS FROM MY BANK ACCOUNT!

  

  Business Response

  Date: 04/24/2025

  Please see attached response.

  Customer Answer

  Date: 05/06/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Addendum,
  My apologies!
  In my previous email I gave the wrong cancellation date.
   The Kin Insurance company cancelled my policy at my request on 04/09/25 ??
  ****** ****
  
  Sincerely,
  
  ****** ****

• Initial Complaint

  Date:04/08/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Kin insurance has raised the cost of my HOI and refuses to send it to an underwriter. The cost to rebuild it way higher than it should be, they dropped this down after I threatened to not use them the first time but raised it back up this renewal period. We dont need to renew, we have no mortgage and are now shopping. They are very shady and provide the standard script of "costs have gone up" its not "our fault". No they actually have come down for rebuilding materials.Dont use them, shady.

  

  Business Response

  Date: 04/29/2025

  Please see attached response.

• Initial Complaint

  Date:04/08/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I hired kin ins for my homeowners ins. I went through a hurricane and kin ins hasnt paid not even half of my damages. It has been 6 months since the hurricane. My house needs to be repaired asap.I have hired an adjuster and we have met through zoom to settle. *** ins adjuster started with $5,000 when I am still owed over $35,000. Adjuster went up to ****** and I didnt accept. I have hired an attorney. They had 10 days to respond. They responded with a transfer to a different adjuster. Another week went by. New adjuster offer about $5,000 again. I have seen other bbb complaints where they change adjusters up to 8 times. This is their tactic to delay, manipulate and not pay. If this is not resolved within a week, I have no other option but to take them to court where they will pay full amount of damages.

  

  Business Response

  Date: 04/22/2025

  Please see attached response.