Digital home insurance provider Kin announced on April 16 its expansion into Oklahoma, marking the company’s entry into a state it describes as having limited insurer competition and significant severe-weather exposure.
The Chicago-based company said it will offer direct-to-consumer home insurance policies in Oklahoma, using property-level data and risk modeling to price coverage. Kin operates without external agents, a model the company says allows it to provide more competitive pricing.
“Oklahoma hasn’t seen a new home insurer enter in years, and a small number of companies control most of the market,” said Kin Founder and CEO Sean Harper. “We’re entering the state with a different approach — competitive pricing, dynamic risk management, and a real appetite to grow.”
Oklahoma presents notable underwriting challenges. The state recorded 152 tornadoes in 2024, its highest single-year total on record. The state is also widely considered one of the most hail-prone in the country, with hail exceeding two inches in diameter reported regularly.
Kin Chief Insurance Officer Angel Conlin said the company’s technology platform is central to its approach to those risks. “Kin simplifies the insurance process — from receiving an instant quote to navigating the claims process after a storm,” Conlin said.
The company evaluates individual properties using thousands of data points rather than applying broad regional assumptions to pricing. Kin said that the approach is designed to benefit homeowners who have made resilience improvements to their properties.
Oklahoma marks Kin’s 14th state. The company now operates in Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. Together, those states represent more than 50% of the total addressable home insurance market, according to Kin.
As of April 15, 2026, the company reported a 4.7 out of 5 rating on Google based on more than 8,480 reviews, an A+ rating, and 4.8 out of 5 with the Better Business Bureau based on 1,387 reviews, and an “Excellent” rating of 4.8 out of 5 on Trustpilot based on 7,329 reviews.
In addition to home insurance, Kin offers auto insurance and home finance services, including mortgage and refinancing products.
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