Kin Insurance

Kin Insurance is a direct-to-consumer home insurance platform founded in 2016 that leverages data and artificial intelligence to provide homeowners insurance in high-risk coastal and weather-exposed markets. The platform uses thousands of property data points for automated underwriting, enabling online quote generation, policy binding, and claims management without the need for traditional agents. Kin offers homeowners, condo, flood, and auto insurance across multiple states with a focus on affordability and accessibility in markets traditionally underserved by major carriers.

Kin Insurance is listed with 1 API on the APIs.io network. Tagged areas include Insurance, Home Insurance, InsureTech, Property Data, and Underwriting.

Kin Insurance’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

8.4/100 minimal ▬ flat Agent 1/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 API

Insurance Home InsuranceInsureTechProperty Data Underwriting Claims Direct to Consumer

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 8.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 1.1 / 17

Operational Transparency 1.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 0.0 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Access Clarity scores 6.4 — up to +18.7 composite points Ask about this →
Developer Ergonomics scores 11.9 — up to +17.6 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/kin/apis.yml: open an issue on github.com/api-evangelist/kin to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Kin Insurance Platform API

The Kin Insurance platform provides data-driven home insurance services including property data enrichment, automated underwriting, online quote generation, policy binding, and ...

Kin Insurance API pricing

Not yet checked against Kin Insurance's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Homeowners Insurance	—
Condo Insurance	—
Flood Insurance	—
Auto Insurance	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Kin Insurance Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Kin Insurance Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Kin Insurance Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Kin Insurance Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: kin
name: Kin Insurance
description: Kin Insurance is a direct-to-consumer home insurance platform founded in 2016 that leverages data and artificial
  intelligence to provide homeowners insurance in high-risk coastal and weather-exposed markets. The platform uses thousands
  of property data points for automated underwriting, enabling online quote generation, policy binding, and claims management
  without the need for traditional agents. Kin offers homeowners, condo, flood, and auto insurance across multiple states
  with a focus on affordability and accessibility in markets traditionally underserved by major carriers.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kin.png https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/kin/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Insurance
- Home Insurance
- InsureTech
- Property Data
- Underwriting
- Claims
- Direct to Consumer
tags_raw:
- Insurance
- Home Insurance
- InsureTech
- Property Data
- Underwriting
- Claims
- Direct-to-Consumer
apis:
- aid: kin:kin-insurance-platform
  name: Kin Insurance Platform API
  description: The Kin Insurance platform provides data-driven home insurance services including property data enrichment,
    automated underwriting, online quote generation, policy binding, and claims management for homeowners in coastal and high-risk
    markets. The platform leverages geospatial property intelligence and AI to streamline the insurance purchase and claims
    experience directly with consumers.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.kin.com
  overlays: []
  contact:
  - FN: Kin Insurance Support
    url: https://support.kin.com
  properties:
  - type: Documentation
    url: https://support.kin.com
  - type: Website
    url: https://www.kin.com
common:
- type: DomainSecurity
  url: security/kin-domain-security.yml
- type: Website
  url: https://www.kin.com
- type: Documentation
  url: https://support.kin.com
- type: GitHubOrg
  url: https://github.com/kin-insurance
- type: LinkedIn
  url: https://www.linkedin.com/company/kin-insurance
- type: Blog
  url: https://www.kin.com/blog/
- type: Pricing
  url: https://www.kin.com/homeowners-insurance/
- type: StatusPage
  url: https://status.kin.com
- type: X
  url: https://x.com/kin
- type: Plans
  url: plans/kin-plans-pricing.yml
- type: RateLimits
  url: rate-limits/kin-rate-limits.yml
- type: FinOps
  url: finops/kin-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Kin Insurance API — frequently asked questions

Does Kin Insurance have an API?

Yes. APIs.io lists 1 API from Kin Insurance, including Kin Insurance Platform API.

How much does the Kin Insurance API cost?

APIs.io lists 4 pricing plans for Kin Insurance, with each plan's price, limits and inclusions under Pricing on this page.

Is the Kin Insurance API ready for AI agents?

Kin Insurance has a Kin Score of 8.4 out of 100 (minimal) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-13.

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