Kin, a direct-to-consumer residential property insurer, announced its expansion into Arizona.

The Grand Canyon State marks Kin’s first move into the U.S. Southwest, building upon the company’s growth in coastal, catastrophe-prone states like Florida, Louisiana, South Carolina, Mississippi and Alabama.

“Climate change is increasing the number of dry days we see in the desert, and it’s creating a pressing need for improved home insurance options for the state’s longer wildfire seasons,” said Sean Harper, CEO of Kin. “Every home is different and carries its own risk, so the cost of Arizona home insurance can vary greatly. That’s why we look at granular insurance data, like the home’s location, age, and construction type, to assess its actual risk, rather than the general risk for the area.”

Kin’s technology platform offers customized options for coverage based on thousands of data points about each property.

The digital insurer is fully licensed, offering coverage through reciprocal exchanges owned by its customers.