Full-Time

Software Engineer

Front-End Focus

Posted on 8/20/2025

Kin Insurance

Kin Insurance

501-1,000 employees

Direct-to-consumer coastal homeowners' insurance provider

Compensation Overview

$110k - $127k/yr

Remote in USA

Remote

Location in Central or Eastern time zones (CST & EST) strongly preferred. Candidates must be able to live and work full-time in one of the listed states.

Category
Software Engineering (1)
Required Skills
JavaScript
Redux.js
Ruby on Rails
TypeScript
AngularJS
HTML/CSS
Requirements
  • Proficiency in Javascript/Typescript, HTML, and CSS/SCSS
  • Experience with modern SPA framework (Angular 2+ preferred), including integration of API calls and state management (NgRx/Redux)
  • Experience building or composing with Web Components
  • Familiarity with BEM methodology, Object-Oriented CSS principles, and custom component library development
  • Experience working with APIs (Ruby on Rails experience is a bonus)
  • Comfortable in a startup environment – we're fast-paced, self-motivated, and determined to change the industry
  • A fast learner, ready to bring previous knowledge to this position and continue developing along the way
  • Location in Central or Eastern time zones (CST & EST) strongly preferred
Responsibilities
  • Writing clean, maintainable, and efficient code in Typescript, Angular
  • Setting the standards for the Engineering team by example
  • Leading pair programming sessions and providing mentorship to team members
  • Driving and fostering advanced design or architectural tasks
  • Developing technical roadmaps
  • Participating in daily stands and weekly retros
  • Collaborating with cross-functional team members, including our Insurance Product and Actuarial teams
  • Providing subject matter expertise and support
Desired Qualifications
  • Ruby on Rails experience is a bonus

Kin Insurance provides home insurance directly to homeowners, with a focus on coastal areas, offering affordable and straightforward coverage. It sells policies directly to consumers (no brokers or agents), uses technology and data to tailor coverage and pricing, and aims to simplify the buying process. The product works by underwriting home insurance policies, collecting premiums, and continuously updating offerings to stay affordable and relevant. This direct-to-consumer model, along with personalized service and transparent processes, differentiates Kin from traditional insurers that rely on middlemen. Kin’s goal is to make home insurance accessible, easy to understand, and affordable for homeowners, especially those in high-risk coastal regions, while maintaining customer-centric support.

Company Size

501-1,000

Company Stage

Debt Financing

Total Funding

$1.4B

Headquarters

Chicago, Illinois

Founded

2016

Simplify Jobs

Simplify's Take

What believers are saying

  • FY 2025 revenue surged 29% to $201.6M with 49% baseline operating margin.
  • Secured $335M Hestia Re cat bond in 2026, largest issuance covering multiple states.
  • Expanded to 14 states including Oklahoma on April 16, 2026, capturing 50% TAM.

What critics are saying

  • Lemonade undercuts Kin's pricing by 20% in Texas and Florida, eroding auto attachment rates.
  • 2026 Florida hurricane exceeds $335M Hestia Re capacity, forcing premium hikes and non-renewals.
  • California FAIR Plan mandates reject 15-20% rate increases, forcing unprofitable wildfire risks.

What makes Kin Insurance unique

  • Kin leverages thousands of property data points for granular underwriting in catastrophe-prone states.
  • Direct-to-consumer model eliminates agents, enabling average customer savings over $980.
  • Manages Kin Interinsurance Network, a customer-owned reciprocal exchange sharing underwriting profits.

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Benefits

Medical, dental, and vision

Life & disability

Commuter benefits

401k

Education & professional development

Flexible PTO

Company provided lunch

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

1%
Artemis
Apr 7th, 2026
Kin Insurance secures $335M catastrophe bond reinsurance, its largest yet

Kin Insurance has successfully priced its fourth catastrophe bond, Hestia Re Ltd. Series 2026-1, securing $335 million of fully-collateralised named storm reinsurance. This marks Kin's largest cat bond issuance to date and its first to provide protection beyond Florida. The insurtech initially targeted $300 million but upsized the offering during marketing. The bond comprises four tranches with pricing finalised below initial guidance for most notes. The Class A and B tranches of $100 million each priced at 7% and 9.25% respectively, whilst the Class D tranche reached $100 million at 5.75%. The one-year Class C tranche was upsized to $35 million, pricing at 74% of par. The reinsurance will cover named storms on an indemnity trigger basis, with risk periods beginning in June. Bermuda-based special purpose insurer Hestia Re will issue the notes to investors.

PR Newswire
Feb 23rd, 2026
Kin's FY 2025 revenue jumps 29% to $201.6M as baseline operating margin hits record 49%

Kin Insurance has reported full-year 2025 revenue of $201.6 million, up 29% year-on-year, with gross written premium reaching $634.4 million. The direct-to-consumer home and auto insurance provider achieved a record baseline operating margin of 49%, with baseline operating income climbing 116% to $68.6 million. The Chicago-based company expanded into auto insurance in Texas and Florida and launched home financing services in Florida during 2025. These new products achieved approximately 10% attachment rates among existing customers with minimal marketing costs. Kin's managed reciprocal exchanges delivered a combined adjusted loss ratio of 20.7% for 2025, benefiting from strong risk selection and favourable weather conditions. The company now operates across 13 states, representing 50% of the home insurance total addressable market.

Kin Insurance
Sep 9th, 2025
Kin raises $50M Series E at $2B valuation to help homeowners adapt to increased extreme weather

Funding to accelerate growth, expand products.

MB News
Sep 8th, 2025
Kin Insurance Raises $50M Series E

Kin Insurance raised a $50M Series E at a $2 billion valuation to expand its digital home insurance offerings, addressing increased extreme weather risks. The funding, led by QED Investors and Activate Capital, adds to a $200M debt facility, providing $105M in new capital. Kin, profitable since 2023, serves 13 states and covers over $100 billion in insured property value. The company aims to fill gaps left by traditional insurers in high-risk areas.

PR Newswire
Jun 17th, 2025
Kin Launches Customized Home Insurance In Colorado

Designed with Colorado in Mind, Kin Offers the Protection Needed at a Price That Makes SenseCHICAGO, June 17, 2025 /PRNewswire/ -- Kin , the pioneering, direct-to-consumer, digital home insurance provider, today announced its expansion into Colorado1. Kin brings Colorado homeowners a new home insurance option that combines technology and data with personalized service to deliver accessible, affordable protection. This growth into the Colorado market furthers Kin's mission to provide necessary coverage in underserved markets increasingly affected by weather events.Colorado's geography and weather patterns require insurance solutions that truly reflect the state's diverse landscape. From the Front Range's distinctive hail patterns to the mountains' wildfire considerations, and the plains' severe weather, Colorado homeowners deserve coverage designed specifically for their environment. The state experienced a 159% increase in billion-dollar-loss weather events in recent years due to droughts, wildfires, and freezing according to NOAA data .To meet these challenges, Kin's data-driven approach analyzes thousands of property-specific factors to provide accurate, fair pricing that accounts for each home's actual risk profile. This helps ensure homeowners' coverage needs are met based on their home's features and risks."Colorado homeowners deserve insurance that is as unique as the local landscape," said Sean Harper, CEO and Founder of Kin

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