The company expanded to help California homeowners find coverage in the weeks following the January 2025 wildfires, and now with condo insurance and flood coverage, Kin is deepening that commitment. Similarly, flood insurance remains a critical yet elusive asset for California residents, particularly since overland flooding is excluded from standard home insurance policies. Kin’s new coverage options can help eligible California homeowners add flood coverage to their existing home insurance policy — a simpler path to protection than navigating the National Flood Insurance Program (NFIP), with no separate policy required. The National Flood Insurance Program caps Building Coverage at $250,000 nationwide, regardless of a home’s actual value. Kin Chief Insurance Officer Angel Conlin, commented: “Flood is one of the most underinsured risks in California, and most homeowners don’t realize it until it’s too late.