Kin announced the rollout of auto insurance for its policyholders in Texas, enabling the bundling of home and auto policies to lower expenses and improve management.
According to Insurance Innovation Reporter, Kin, a Chicago-based direct-to-consumer insurer, has launched auto insurance for its homeowners in Texas. This allows eligible customers to bundle policies, potentially saving up to 20 percent on auto premiums. The company survey data indicates cost as a key reason for bundling. The offering considers state-specific challenges, including storm risks in Texas.
Governor Greg Abbott signed Senate Bill 1238 into law, prohibiting insurers from raising auto and home insurance rates for widowed spouses based on marital status. This legislation prevents reclassification of widows and widowers as single, which previously led to higher premiums. Sponsored by Republican state senators, the measure took effect on September 1, 2025.
The Zebra reported that bundling home and auto insurance can yield average savings of 10 to 25 percent on premiums nationally, depending on the provider. Major insurers like State Farm and Allstate offer discounts up to 25 percent.
Kin was established in 2016 in Chicago and focuses on direct-to-consumer home and auto insurance, particularly in high-risk regions. The firm has issued over 240,000 policies, employs more than 750 staff members, and boasts a Net Promoter Score of 80. Kin’s carriers receive A (Exceptional) ratings from Demotech.
