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:01/12/2025

  Type:Customer Service 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.

  As a Kin homeowners first-time customer, I am extremely dissatisfied with the significant increase in my homeowners policy premium, which rose from $1600 to $2500 within a single year. I have been a homeowner for 20 years and have never experienced such a drastic change with any other insurance provider. After contacting the customer service department. I was given an option to raise my deductible to decrease my policy by $200, otherwise no changes would be made. What a slap in the face and a complete ripe off. I am requesting a callback to speak with someone within the Cooperation..

  

  Business Response

  Date: 01/20/2025

  Please see attached response. Thank you. 

• Initial Complaint

  Date:12/01/2024

  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 had a leak underneath my sink in my kitchen. I called the plumber out as soon as I found it. The hot and cold water line was leaking. The plumber fixed one line unaware the other one was leaking I called him back the same day. He came back the next day to fix the other line. He also showed me wear black mold was underneath my sink as well. I called Kin Insurance made a claim for water mitigation and mold with Back to Basic reconstruction. After they took out the effected cabinets and treated and dried the areas they sent my Insurance company the invoice of services and services needed. *** fully denied me my claim. And I don't have money to pay this company for services rendered or to reconstruct my cabinets and island that they took away to treat the affected areas.

  

  Business Response

  Date: 12/05/2024

  Please see attached response.

• Initial Complaint

  Date:11/26/2024

  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.

  I contacted KIN Insurance about robocalls to my cell phone and requested copy of their Do Not Call List Policy and the Third Party they used. They did not respond or provide policy

  

  Business Response

  Date: 12/10/2024

  Please see attached response. Thank you. 

  Customer Answer

  Date: 12/14/2024

   
  Complaint: 22609496
  
  I am rejecting this response because KIN Insurance cannot absolve their company of liability for illegal communications on the grounds that you just receive an consent from  a third-party marketing firm.  I did not give anyone consent nor searched for Homeowners Insurance. I have a Great Home owners Insurance Policy for over 15 years. The *** adamantly disagrees with the response that a third party gave you my information ************* is ultimately responsible for the actions of the telemarketers with whom you contract.

  The *** policy clearly states that you must have prior express written permission before you or someone on your behalf can call my phone. You said you were provided my information and consent from *************************************************************************************************. Can you please provide proof of my hand written consent for KIN to contact me about Homeowners Insurance,

  Also you indicated that" Kin does not maintain a specific policy related to do-not-call registries". It is required that both sellers and telemarketers have established and implemented written procedures that comply with the national Do-Not-Call rules. 

  The *** regulations mandate that you are to scrub your call list against the *** every 31 days. Therefore, once a month as long as you engage in telephone marketing,  

  While it is unfortunate that ************************************************************************************************* failed you, the **** requires that KIN itself is also required to purchase access to the Do-Not-Call List from the administrator and has the primary responsibility to scrub its own lists. Which is proof that KIN Insurance does not comply with ALL STATE AND FEDERAL LAWS RELATED TO TELEPHONE MARKETING. 
  

  Last I do not have to refer to your Privacy Policy I already know you contacted me with our prior written consent and my number is on the *** list

   

  As previously requested Please provide KIN *** policy and procedures along with proof from your hired telemarketing company my written consent giving KIN approval to contact me.
  Sincerely,
  
  ********** ********

  

  Business Response

  Date: 12/23/2024

  Please see attached response. Thank you.

• Initial Complaint

  Date:11/26/2024

  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.

  I recently issued a policy, NEX-HD-AZ-********* @ ************************************* I have an existing 2 policies, ***************************CO-FL-*********). I simply requested that all 3 policies be combined under 1 login - ************************ I submitted the request on the website, and was not allowed to complete it, saying I needed to call. I called on 11/25 and I felt the woman who I've spoken to before is extremely rude, and says its not possible. I feel like she's just being lazy since theres 2 policies under 1 email RIGHT NOW why can't the third be combined? Theres already 2 policies under ************************ please combine the third (NEX-HD-AZ-*********) under the same email. I'm doing this because I likely am going to be issuing a fourth policy and for conveinence I want them all under one login. Thanks.

  

  Business Response

  Date: 12/10/2024

  Please see attached response. Thank you. 

• Initial Complaint

  Date:10/29/2024

  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.

  Claim Number HO-******* created on 10/9/2024- Kin Inspector visited Property on 10/14/2024- was informed that I would received a call from my claim adjuster within three Business days- I reached out to my adjustor ******* ****** was informed that my case was transferred to another person, Mr. ******* ****** would have them call me. I did not receive after a couple of days, so I reached back out to Kin Insurance. I reached back out to ******* ****** again and was informed at that time that he was my adjuster which was on 10/18/2024 and was informed by him that he would be calling me on Wednesday 10/22/2024. I tried to reach him on that day and he did not answer nor call back so I contacted Kin insurance again on 10/24/2024 spoke to the customer service and explained that I have not received a call back from my adjustor and I would like to be transferred to another adjustor as I feel that ******* ****** does not care about his customers. On 10/29/2024 I still have not received a call back from Kin and I call them again asking to speak with a Manager or Supervisor was advised by ****** that they would not be able to help me, that he would have the claims department call me- I explained that they are not calling be back and it is going on three weeks now with no communication from Kin who I make payments to- This seems like a scam-************************************ takes your money and at the end when you have Wind damage does not help you. I have repairs that are needed with no one from this company that will help you... pure scam!!!!! They have all photos and measurements of damages

  

  Business Response

  Date: 11/07/2024

  Please see attached response.

• Initial Complaint

  Date:10/07/2024

  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.

  Ive had kin insurance for a year. Recently me and my husband discovered we have water damages and our floor had begun to cave in. We filed a claim, *** denied our claim and cancel our policy. We paid them for a hole year and wasnt able to get any help when needed, now we are struggling to find more insurance

  

  Business Response

  Date: 10/18/2024

  Please see attached response. Thank you. 

• Initial Complaint

  Date:08/18/2024

  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.

  In April 2024 Kin decided to drop my family ********************************** from their homeowners insurance because they said we needed a new roof. The roof was replaced in 2018 and they had no right to drop us. All I would like is for them to put us back under their insurance coverage. I am ************************************ daughter and they are elderly and am making this complaint on their behalf.

  

  Business Response

  Date: 08/29/2024

  Please see attached response. Thank you. 

• Initial Complaint

  Date:08/17/2024

  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 filed a claim with kin insurance. My desk adjuster was very rude from day one. I had water damages and mold is in my house. My sewage backed up into my house. The field adjuster inspected my home and confirmed the damages throughout my home. My desk adjuster denied my claim and told me it was denied because I filed the claim 14 days after the initial occurrence. But my paperwork says otherwise. My paperwork says that it was denied because I let the water seepage for over 14 days. That was not true! I never stated that and you can confirm that with the field adjuster! And my dates are not correct on my determination paperwork. The adjuster wouldn't escalate me to his direct supervisor and refused to give me the number to speak with someone else. I told him I wanted to appeal it and he said to read my paperwork. My paperwork does not state how to appeal. They also told me that there is no appeal process. They are denying my claim based on one part under the sink but are refusing to pay for other damages because of the sink. My floors were damaged throughout my house, the adjuster and witnesses have confirmed that also. My floors are in no relevance to sink. The damages from my floors came from my dishwasher. My claim needs to be appealed and reopen. Would like to request a different adjuster or speak directly with a supervisor. I would like to appeal the claim decision as soon as possible. They are also refusing to give me the paperwork from the field adjuster who came out. The field adjuster told me they could alter the paperwork and make changes. By law I have a right to know what figures the adjuster made. Also a plumber came out to my house but didnt follow up with me with an estimate. *** insurance is trying to hold me accountable for the plumber abandoning the job. I pay for this insurance with my hard earned money. Why am I being punished for someone elses fault. I need to get this resolved, its causing so much stress and agony.

  

  Business Response

  Date: 08/27/2024

  Please see attached response.

  Customer Answer

  Date: 08/29/2024

   
  Complaint: 22157244
  
  I am rejecting this response because:
  The dates are wrong, certain statements are wrong. *** expressed this so many times. I had 2 plumbers to come out but they never got back with me. How can I give them paperwork that I never received. I never hired anyone, they came out to give me an estimate but never followed up. They are holding me accountable for them not following back up. Im not asking them to pay for the plumbing issues. They are suppose to pay for the damages. They are refusing to do so. Theyve already confirmed through 3 companies that came out to inspect that I had water damages. Now they are trying to send out a 4th company for the same thing. I guess theyll keep sending companies until someone tells them something they want to hear to deny my claim. It doesnt take all these differ inspections. I know people that have dealt with this company, and they didnt have to go through all of this. I need someone higher up from corporate to contact me. They are going by what the supervisor is saying and my concerns are not being heard! 
  Sincerely,
  
  ***********************-fort

  

  Business Response

  Date: 09/04/2024

  Please see attached response.

• Initial Complaint

  Date:06/28/2024

  Type:Billing 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,June 13/14 unauthorized manual charge of $187.00. No explanation or warning was provided.May unauthorized charge of $300 applied. I was informed that I would received a $300 discount if I submitted a wind mitigation report within 30 days. I did so on 4/27/04. I was charged $300 anyway.

  

  Business Response

  Date: 07/12/2024

  Please see attached response. Thank you. 

• Initial Complaint

  Date:04/25/2024

  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.

  I was initially lied to about the cost of the policy. I canceled the policy, which took too much explanation on my part. This policy was finally canceled, prior to the date initially set by Kin insurance for payment. Then I find out someone at kin insurance had my existing insurance, which was ********, removed from my mortgage company and placed themselves on my mortgage and had billed my mortgage company. I did not authorize this! I have contacted kin insurance and was told i would receive a refund but this has not happened yet. I would like to also know what legal action I can take.

  

  Business Response

  Date: 05/07/2024

  Please see attached response. Thank you. 

  Customer Answer

  Date: 05/10/2024

   
  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. I received a refund. Please close this complaint. 
  
  Sincerely,
  
  *********************