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RVI California Policyholders: What to Know About Your Coverage

Q1. Is my existing policy getting cancelled?

No, your current policy is not being cancelled mid-term and will continue until the expiration date listed in your policy. However, your current policy will not be renewed when it expires. As a result, if you don't sign a new policy, you'll lose coverage after your expiration date. If you have a mortgage, most mortgage companies require continuous coverage and can force-place insurance at a much higher cost to you if you don’t get a new policy when your current policy expires.


Q2. Why is Kin no longer working with RVI?

Kin’s partnership with RVI allowed us to quickly begin offering a quality insurance option to Californians who live in areas where other insurance companies had stopped selling home insurance. Kin is now able to offer home insurance in California through our own carrier, so we are ending our program with RVI. This allows us to continue offering home insurance in California and helps us keep prices lower over time.  


Q3. Can I keep my insurance with RVI instead?

Because we’ve transitioned to offering insurance through our own carrier in California, we’re no longer renewing policies through RVI. That means you won’t be able to stay with RVI through Kin.


The only exception is if your home is covered by a state-issued wildfire moratorium, which may make you eligible for renewing your RVI policy. If your home is included in a moratorium, we can check the status of your renewal. Even if your policy is eligible for renewal with RVI, we will be offering you the option to switch to a policy with Kin’s carrier, which provides the same coverage at more favorable rates.


Q4. Will my relationship with Kin change?

No. Your policy will be issued by a different carrier, but we will continue to administer the policy. You can still call us with questions.


Q5. What do I need to do to keep coverage?

You will need to sign up for a new policy before your old policy expires. We recommend signing your new policy as soon as possible for a seamless transition. It only takes about five minutes. To do so, please follow the steps below to complete the process of purchasing your new policy:

  • Go to www.kin.com/portal/ and log in to your account using the same email address registered on your policy and your password. If you’ve forgotten your password, click the “Forgot Password” button to reset it.
  • Once logged in, you will see an Action Required banner prompting you to sign your new policy. Click either “Sign on for Another Year” or “Stay with Kin.”
  • You will be asked to verify if you conduct business activities in your home. Please confirm whether people come to your home for goods or services.
  • Next, complete the three underwriting questions by selecting “Yes” or “No” for each. Once all questions are answered, click “Continue.”
  • Your payment options for this renewal will work the same as your current policy term. You may choose between escrow or self-pay:
    • If you select escrow, no out-of-pocket payment is required today. We will contact your mortgage company to collect payment.
    • If you select self-pay, you will need to choose a payment frequency (1-pay, 2-pay, or 4-pay) and enter your card information. Please note: No payment will be drafted until seven days before the new policy’s effective date.
  • After setting up billing, review the terms and conditions. Check the acknowledgment box to confirm your understanding, then click the “Purchase Your Policy” button once it becomes active.
  • After completing the process, you will be redirected to the portal home page, where you will see both your current policy and the upcoming renewal. The renewal policy will display the scheduled payment amount and due date. Your policy documents will also be emailed to you once the renewal is completed.

If you are unable to complete your renewal at this time, please finish the process before your current policy expires to ensure continuous coverage.


Q6. Do I have to make a decision now?

No, you have until your old policy expires to make a decision. However, if you don't sign the new policy by then, you'll lose coverage after your policy expires. To check the expiration date on your policy, you can go to kin.com/portal. We recommend signing your new policy as soon as possible to lock in this seamless transition. It only takes about five minutes.


Q7. What do I need to do to cancel my policy with RVI?

Once you sign your new policy, we will cancel your existing RVI policy for you and take care of everything to ensure a smooth transition.


Q8. Why would an insurance company choose to operate as “Excess & Surplus” (E&S)?

In California, a lot of homeowners are seeing fewer insurance choices, and it’s becoming harder for insurance companies to offer coverage through the traditional “standard” market. That’s where Excess & Surplus (E&S) comes in. E&S insurance is a way for insurers to offer coverage when the regular market can’t keep up. It’s often used when homes are harder to insure due to things like wildfire risk, changing weather patterns, or fast-moving market conditions.


Kin chose to offer coverage as Excess & Surplus in California so we could continue making home insurance available to California homeowners when options are limited. This approach allows us to respond to changing market conditions and offer coverage in situations where it may not be available through the admitted market.