Complaints
This profile includes complaints for Kin Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 69 total complaints in the last 3 years.
- 14 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/11/2024
Type: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.
On 02/15/2024 Kin Insurance took $2631.00 out of my debit card that I had used last year. This was not authorized!!! I called bank immediately. They refunded $2631.00.Kin Ins. Said I still owed $199.43.I canceled policy that ended on or around January 13th. They told bank I owed them for February.That's a lie. They have it in writing on their site.These people are crooks & need to be stopped.I am going everywhere I can to tell people how bad they are .
Business Response
Date: 04/25/2024
Please see attached response. Thank you.Initial Complaint
Date:04/04/2024
Type: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 was sent a non renewal letter by this company. When I called to inquire why, the representative told me it was due to having filed a claim. Since then they wrote me a letter stating that the representative misspoke when he stated that. They then falsely claimed that I run a food truck business on my property. The date they claim to have discovered this, happens to be dates that I didnt have a food truck yet. Also, I have never operated my business from my home. I now am considered uninsurable and cannot find coverage.Business Response
Date: 04/19/2024
Please see attached response. Thank you.Customer Answer
Date: 04/22/2024
Complaint: 21529567
I am rejecting this response because:
First of all, saying the employee misspoke when I was told my non renewal was due to a claim should not be an excuse (for illegal activity)Secondly, to address the falsehood that I was running a food truck business on my propertyon January 7, 2023, my food trailer was hit and totaled by a drunk driver. This not only was broadcasted on international news, I had several publications follow my progress until we obtained a new food truck in August of 2023. I received a Small business loan from my bank (Bank of *******) using my home as collateral. Due to where my property is located, my food trailer has NEVER been on the premises. It has been kept in town and runs in town approximately 10 miles away. My filings with the state health ***** inspections and paperwork all show the address where the trailer is locatednot my home address. I have never done business of any sort on my property. This is easily provable.
Sincerely,
*****************************Business Response
Date: 04/29/2024
Please see attached response. Thank you.Initial Complaint
Date:02/09/2024
Type: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 is the home owners insurance agent I chose to use last year due to their excellent rates and good service. After the first year they raised my rate over 25%. The response I received was this: "There has been an overall rate increase in the **************** due to increased rates of reinsurance, litigation costs, and rebuilding costs."I understand that insurance rates go up and down but have a major issue with a 25% increase. I find this irresponsible and an extremely poor business philosophy. I do not know if this is a legal amount to raise a policy but hope that if it is you will do what you can to help all of us private citizens not deal with this corporate greed and misuse of power.Business Response
Date: 02/21/2024
Please see attached response. Thank you.Initial Complaint
Date:11/28/2023
Type: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 am receiving unsolicited mailers from *** to my address. Attached is a copy of the latest mailer.Business Response
Date: 12/13/2023
Please see attached response. Thank you.Customer Answer
Date: 12/14/2023
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.
Sincerely,
***********************Initial Complaint
Date:11/27/2023
Type: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 suffered a flooding loss, discovered on April 24, 2023. Subsequently, once mold was discovered, the loss was allowed to be FULLY handled by KIN Insurance Company. My new kitchen was removed June ******* and mold remediation was completed by mid August 2023. Despite my numerous contacts, begging, pleading, and being as polite as any human could, I have given up on having a kitchen once again! Today is 11/27/23 and KIN has not been able to help me in trying to have their selected "Preferred Contractor" complete the work. This Claims Handling Delay could have been easily rectified with intelligent and professional business practices!!! No matter the "status" or criteria that helps determine a "Preferred Contractor" under NO CIRCUMSTANCE should an insurance company simply pay the full amount. The check was issued to Service Master, of *************, June 2023- now, almost 5 months later, I still do not have a functioning kitchen in my residence! Especially when using any new contractor or company, a wise and professional company would fully vet the entity and wisely have some hold back of payment to assure that a customer is not made to suffer further, especially from a claim that could not be avoided in any way, shape, or form.Business Response
Date: 12/07/2023
Please see attached response.Customer Answer
Date: 12/27/2023
Complaint: 20923127
I am rejecting this response because:
Thank you for taking time to help me with this situation. There are only two caveats to KIN Insurance's reply, and they were lied to by Service Master of ************* *******! First, Service Master's representative, ***** gave me permission to have the tike removed, at my expense, due to the possibility of mold being in the grout. The first air test "failed" but we had so many problems with their tent falling apart and vents not closed. I literally BEGGED Service Master to proceed with the steps for ordering the new cabinets. Unbeknownst to myself or KIN Insurance, the Service Master location does not have a "crew" so things have to be subcontracted out. Kin Insurance was duped as I was also.
I still do not have my sink installed and I am not sure about whether the faucets work or the new dishwasher since I do not believe water is attached.
Finally, I believe that the ******* BBB should have done some investigation, but I have heard NOTHING about that complaint filed at the same time this one was filed!
My kitchen was removed 6/24...over six months later still not finished.
Thank you for such prompt assistance,I now have a company adjuster and she's been very professional and too, encouraging.
Since conducting my investigation, and speaking with an attorney, I now realize it is standard proce dure to pre-pay preferred contractors. None of us could have realized about this business' reputation. I literally begged and pleaded!
Finally, Service Master DID NOT stay in contact, promising me that I would have cabinets on the Wednesday before Thanksgiving...I waited all day, and had cancelled the celebration planned back in March...I should not have kept them ruin my holiday. I am still concerned about the situation and petrified about everything working properly. Tge kitchen was updated, December 2022, at a cost of almost $9,000. I cannot wait to sell the house and move away...no person should be placed in such a horrible situation by a company that is in their line of work!
Sincerely,
*******************************Business Response
Date: 01/04/2024
Please see attached response.Initial Complaint
Date:11/13/2023
Type: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 am receiving mail from Kin insurance and I need to be opted out as I am not interested in purchasing insurance from this company. Please opt me out of any mail and/or email communications. I have attempted to be opted out in the past, but was unable to do so successfully.Business Response
Date: 11/27/2023
Please see attached response. Thank you.Customer Answer
Date: 11/28/2023
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.
Sincerely,
*****************************Initial Complaint
Date:11/03/2023
Type: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.
We keep getting phone calls from this caller (Kin Insurance) in *******. We don't need any insurance from anybody. I have blocked them on my phone (home) and somehow they continue to harass us. I consider unsolisited calls as spam.Business Response
Date: 11/16/2023
Please see attached response, thank you.Customer Answer
Date: 11/16/2023
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.
Sincerely,
*********************Initial Complaint
Date:09/11/2023
Type: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 have more than $87K in damage to my home and property from hurricane **** which landed in my city on September 28, 2022. Kin Insurance continues to assign a new claim specialist to my claim whenever settlement is discussed with the current specialist. Today I was just assigned the 8th claim specialist and they sent their claim tracker showing that I'm only on step 2 of their claim process. In the beginning, Kin Insurance was changing my pre-hurricane coverage and deductible after the hurricane until I reported them to the ****************. They agreed not to make any further changes. Now it's been nearly one year and they will not pay my claim. I have roof damage, all of my siding needs to replaced, water damage on the ceiling in every room, I no longer have insulation in most of my attic and I have soffit and attic vents that need to be replaced. I paid out of pocket nearly $16K for the other damages to my home because Kin Insurance threatened not to pay any future claims if I did not mitigate my damages at my cost. I cannot afford to pay to repair the remaining damages. In August, claim specialist #6 agreed to send me a check to pay for the insulation in my attic and then she was removed from my case. I've had 2 new claim specialists since then. This is causing me so much money and stress, and I've missed work. How can a company treat someone this poorly? They're paid BY ME to do one job and that's to insure my property. Instead they're toying with me and dragging this out unncessarily.Business Response
Date: 09/20/2023
See attached for response.Initial Complaint
Date:08/29/2023
Type: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.
On August 28, 2023, Kin Insurance made an unauthorized charge against the personal bank account of my stepson, ***************************. That company had to collect the insurance premium from the escrow account of my mortgage company NOT from our son's account. This is the second time that they have done this bad business practice, and the total charge was $2,706.00. That is a big hit for our son who is also elderly and is a retiree. Someone in the company had screwed up big time. They had on file our son's FCCU debit card for the original transaction in 2020 because my wife (his mother) and I didn't have an account yet when we moved from ***********, and we had to pay the initial insurance premium. Again, that unauthorized transaction has screwed up big time our son's account and put him in a deep financial stress. And his bank is charging fees like crazy s******* him financially even more. They went overboard with this unnecessary bad business practice to secure their annual payment against the wrong source. The problem is that we have tried to erase that card from their website, and is asking for another card, and there is no need for that, since there is an escrow.Our son became aware of the unauthorized charge, when his card was declined due to "insufficient funds" and went he went back to his home he checked the account and found the bomb and the tail of fees by his banking institution. He could not call the bank to see if he could stop or reverse the charge, but it was 7:30 p.m. and his bank does not offer customer service after business hours.My wife and I were approved for a loan to purchase our manufactured home in 2020, and an escrow account was set up to pay for PITI=Principal Interest Taxes and Insurance. This negligence could've been avoided if someone at Kin Insurance had been doing their job right.Can someone in your office please help our son?Business Response
Date: 09/08/2023
Please see attached response. Thank you.Initial Complaint
Date:07/15/2023
Type: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.
1. I noticed this Homeowners insurance company of my Service and Mailing Address change by Cert. Ret. Rec. Req. U.S. Mail promptly after refinancing my Home, to the ** Box 506 *************** as required by my new Mortgage, and 2. I and my current Mortgage servicer agreed I needed to acquire better homeowners insurance, and 3. I replaced and canceled my homeowners insurance on June 5th 2023 and June 6th 2023 respectively, and 4. I requested the unused portion of the prior homeowners be refunded and returned when I canceled it BUT consumer Law would require that return of the unused Previously billed and paid for as I no longer was required to Escrow anything, and 5. This Insurance Company is refusing to properly return the unused funds by simply mailing that $57.85 to that previously requested by Certified Return Receipt Requested US Mailing delivered to the insurance company on 6.14.2023 in anticipation of the unjustified delay or Petit Theft and/or demanding additional acquiesces of rights through acceptance of terms not previously disclosed or anticipated by demanding Rights be waived by their use of checkbook.com without a good faith effort to return money they've neither earned or are due. This is theft by fraud or taking.Business Response
Date: 07/28/2023
Please see attached response. Thank you.Customer Answer
Date: 07/31/2023
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. The company was made aware of a mailing address change by Certified Return Receipt Requested US Mail Mailed on June 9th that they received and signed for on June 14th, 2023 that No US Mail is received at that Insured Residential Property.Like most things KIN Interinsurance Network does what they want to do. It is not a consumer friendly insurer which is precisely why I canceled the Home Owners Insurance I previously paid for with them. To magnify the problems they insist to obtain a Refund, due and owing, that [former] customers waive a host of Rights and accept multiple pages of TOU [terms of use], with that online provider checkbook.oi. that were not a part of the contract for insurance. I reject that supplement and modification.
I do however thank the BBB of ******* ** for interceding in this matter. I did receive the refund ["MISTAKENLY" MAILED to the residential address, contrary to my written notification] on or about Thursday July 27th, 2023.
Sincerely,
*********************
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