Kin has partnered with Oncourse Home Solutions to offer optional home protection programs to its home insurance customers, expanding its offering beyond traditional coverage into service-based protection.

The partnership allows Kin policyholders to enroll in add-on programs covering risks such as underground water and sewer lines, interior plumbing, and electrical systems—areas typically excluded from standard homeowners insurance. These programs are structured as service contracts, not insurance policies, and focus on repair and replacement of covered systems due to normal wear and tear.

Recent filings tied to the partnership show a bundled protection framework that combines multiple coverages, including water line, sewer line, in-home plumbing, and electrical line protection. Coverage is provided through predefined incident and annual limits, with repairs handled by authorized service providers and replacement triggered when repair costs exceed thresholds.

The programs also introduce optional bundled packages, allowing homeowners to combine protections across systems, as well as additional features such as surge protection and appliance coverage. While the offering broadens protection, it maintains clear exclusions, including damage from natural disasters, pre-existing conditions, and maintenance-related issues.

Overall, the partnership reflects Kin’s move to integrate home services into its insurance platform, giving customers access to protection for high-frequency, non-catastrophic risks that fall outside standard policies.