Kin Insurance is a home insurance startup (backed by an A-rated carrier) that's here to fix home insurance. How? We use data to make the application process as simple as possible and to recommend the right coverage for each home. We cut out the inefficiencies that plague traditional carriers. They typically pay out only 50% of premiums in claims. Where does the rest go? TV commercials, building naming rights, and golden parachutes for high-paid executives. We skip these things so we can keep costs down.