If You’ve Ever Prepped for a Hurricane, Here’s How to Save $500/Year on Home Insurance

Homes are pictured on a barrier island in Florida
Chris Zuppa/The Penny Hoarder
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If you live in Florida, you get it.

During hurricane season, you’ve had to board up your windows. Buy sandbags. Fight crowds at Publix. Evacuate. Track the cone of uncertainty, and worst of all — pay thousands of dollars a year in homeowners insurance.

Yes, hurricanes will always be a threat, and it’s important to protect your home, but you shouldn’t be forced to overpay on homeowners insurance.

What if we said you could potentially be paying $500 less on your policy?

A company called Kin is helping people in hurricane-prone areas protect their homes with more affordable homeowners insurance options. It takes minutes to get a quote.

Live in Florida? How to Save $500 This Year

Homes are pictured on a barrier island in Florida.
Chris Zuppa/The Penny Hoarder

If you live in Florida, you know how it works.

National homeowners insurance companies will jack up your rates, but that’s not always entirely fair. Just because you live in a state prone to hurricanes doesn’t mean you should have to overpay to protect your home.

That’s where Kin will help. Instead of simply lumping you in with the highest-risk homes in your state, Kin uses satellite imagery and thousands of data points to more fairly assess your home’s risk.

It’ll also help you find and apply discounts. For instance, it’ll give you discounts if you have a security alarm, water-leak detection or a wind-resistant roof, to name a few.

Paired together, this could save you $500 a year on your policy.

Get a Free Quote in a Matter of Minutes

If you’re kicking yourself because you recently renewed your current policy, don’t worry. The nice thing about homeowners insurance is you can cancel at any time, and your provider should give you a refund.

So, to see if you can save $500 this year, it takes just a few minutes to get a free quote from Kin. Just enter some basic information, and someone will give you a call and chat with you about your options.

Unfortunately, you can’t control the cone of uncertainty, but you can at least make sure your home is protected — without getting totally ripped off with expensive homeowners insurance.