Kin Moves Into Florida and Texas With Home-Auto Bundle Products
Kin, a direct-to-consumer digital personal lines insurer, announced the launch of auto insurance in Florida and Texas.
The auto insurance is currently available only as part of a bundle, not as a standalone product. Home insurance customers who choose to bundle can save up to 20% on auto premiums, while also benefiting from easy policy management and comprehensive protection, Kin said.
This marks the first time that Kin has offered auto insurance in any state, a company representative confirmed. Auto insurance offerings are planned to allow home insurance customers to bundle coverage in other states, Kin said, without revealing exact locations on the expansion road map.
News of the launch came on the same day as Kin announced results of a survey of 1,000 homeowners related to bundling and as J.D. Power released an outlook report suggesting that 2026 is a pivotal year for auto insurers.
Kin’s Bundling Survey
According to the Kin survey, 61% of homeowners bundle home and auto insurance, with most citing cheaper prices (70% of bundlers) and convenience (69%) as reasons for doing so.
Among non-bundlers, the top reason cited for not bundling was “because I prefer using multiple providers” in spite of the convenience of using a single one. That choice was selected by 24% of non-bundlers from a list of options.
Just over one-fifth (22%) said they tried bundling and it didn’t save them money, while 18% reported it was not an option at their current provider. Lack of awareness of bundling benefits (19%) and not knowing that bundling was an option (17%) were other reasons cited.
With the new bundles being offered in Florida and Texas, Kin is targeting the 18% who said they cannot bundle with their insurance providers today while also offering lower costs—something survey takers indicated was important.
“Our customers in Florida and Texas told us they wanted the ability to bundle auto and home insurance, so we made it a priority to bring this product to market,” said Kin Founder and CEO Sean Harper in a media statement. “By offering auto insurance alongside our existing home insurance, we are creating access to coverage that protects them from the unique risks in their states—from the high percentage of uninsured drivers in Florida to the significant storm exposure in Texas—while keeping costs manageable, simplifying the insurance experience, and strengthening long-term relationships with our customers.”
According to the survey results, nearly half (49%) of non-bundlers would bundle home with auto insurance for a 10% discount, while 39% would bundle for the top discount Kin will offer—20%.
Still, Kin urges insurance shoppers to carefully weigh their coverage options when considering whether to bundle or not in a blog item about the survey.
“While bundling discounts are often the most affordable option for home and auto policies, in some cases, a specialized auto insurance company combined with a separate, specialized home insurance company could still be cheaper overall than a bundled policy from a carrier that offers both,” the blog post says, also warning homeowners to review coverage details carefully. “Don’t sacrifice the coverage you need for a multipolicy discount (or any discount for that matter),” the item says, urging buyers to analyze limits, deductibles and key endorsements (like water backup or roof replacement coverage).
J.D. Power Outlook: Switching to Climb
Reviewing last year’s reports on auto insurance shopping and looking ahead, J.D. Power noted the potential for trends that have been building for some time to spill over—and potentially boil over—in 2026. Of particular note is the record high-level of drivers shopping for auto insurance in 2025—57% in 2025, compared to 49% in 2024.
In the prior years, switching has lagged shopping. But now customers are finding better prices in the market, which will put further pressure on insurers in 2026, J.D. Power suggests.
“Insurers likely knew that rate hikes were building toward a tipping point.” In past years, all auto insurers were raising rates, “so customers couldn’t find a lower premium when they were shopping. In fact, some insurers were not actively seeking new customers. But now that insurers are getting more aggressive, customers are on the move,” the outlook report says.
In 2025, customer satisfaction levels held steady, but 29% of insurance customers still switched their insurers, according to J.D. Power. The outlook highlights the fact that customers who are typically loyal to their carriers—and bundle multiple insurance products—are now the least likely to renew with their insurer. In fact, just 51% of these customers said they would definitely renew with their insurers, in survey results published midyear last year.
The outlook report urges carriers to help customers understand the reasons for price increases to cut down on switching. “In the absence of insurers explaining hikes, some customers are turning to artificial intelligence,” the report says. “AI is playing a heavy role in the shopping process by helping customers understand the nuances of the industry, learn the insurance lexicon and even shop quotes,” the report says, suggesting that AI could “spark the evolution of new customer habits and drive a wedge between customers and insurers.”
“In 2026, companies need to find the best way to proactively deliver personalized customer information about their premiums,” the report says.
The J.D. Power report, “Rate Pressure, Customer Retention and Digital Engagement Top Insurance Industry Challenges for 2026,” also reviews increasing customer use of digital channels vs. agents and challenge in gaining customer acceptance of usage-based insurance offerings.
This article was first published this week in Insurance Journal’s sister publication, Carrier Managment.