# Kin Insurance

**Canonical:** https://apis.io/providers/kin/  
**Website:** https://www.kin.com  
**APIs profiled:** 1

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 Score — 16.1 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 16.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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 ...

## Security (1)

- **Kin Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Plans (1)

- **Kin Plans Pricing**

## Tags

Insurance, Home Insurance, InsureTech, Property Data, Underwriting, Claims, Direct to Consumer

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kin/). Scores are computed from the provider's own public artifacts under a published rubric.