Kanguro Insurance Through an Independent Agency: Coverage and States

Kanguro coverage and states available through our agency

The table shows each Kanguro coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a Kanguro quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the property, vehicle or business is located.
• A licensed agent reviews whether Kanguro is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. Rainwalk, Fetch, Pacific Specialty Insurance Company, ePremium, Get Covered.

Who Kanguro is

Kanguro Insurance LLC is a managing general agent based at 4400 Biscayne Boulevard in Miami. It was founded in Miami in 2021. Kanguro's site and app are bilingual, in English and Spanish.

As an MGA, Kanguro sells and services its products, while an insurer issues the policies.

Who issues Kanguro policies

Kanguro says Cimarron Insurance Company of Charlotte, North Carolina, underwrites its pet accident and illness, wellness and renters policies.

Missouri's insurance department lists Cimarron with NAIC number 20400 and Active status. Its licensed lines include property, liability, miscellaneous, and accident and health. An accident and health certificate was added January 29, 2024. The record also notes that Cimarron moved its domicile from Kansas to Arizona.

We couldn't verify Cimarron's financial strength rating or its parent company. Ask your agent for that information before you buy.

What Kanguro sells

• Pet insurance: Essential Care accident and illness coverage. Two add-ons are offered: Premiere Care+ and Early Years Care+.
• Renters insurance.

Pet coverage is listed in 26 states plus DC on Kanguro's site. The same page also says "27 U.S. states," so the count is inconsistent. Renters insurance is offered only in Florida, Georgia and Texas. According to the First Connect carrier directory, Kanguro is listed in 25 states for pet and renters combined.

How Kanguro sells, and recent news

Kanguro sells direct online and by phone. Service is app-based. It also works through partners:

• Affinity and referral partners.
• Property managers and ownership groups.
• Agencies and brokers.

First Connect describes it as "instant access" and "100% digital" for agents.

On September 30, 2026, Kanguro announced a partnership with MSI (Millennial Specialty Insurance). The goal is to automate insurance compliance for multifamily communities. That fits Kanguro's work with property managers.

We found no other Kanguro news from 2024 to 2026.

What Kanguro's MGA setup means for you

Kanguro is a managing general agent. It sells the products and runs app-based service. Cimarron Insurance Company is the insurer that issues the policies and pays covered claims.

That split matters for one reason: you'll want to know about Cimarron, not just Kanguro. Missouri's insurance department lists Cimarron as active, with lines including property, liability, and accident and health. But we couldn't find a financial strength rating from AM Best or Demotech. One online aggregator lists a rating, but we couldn't confirm it, so we don't repeat it here.

Ask your agent or Kanguro directly for Cimarron's current rating and who owns it.

What to check before you buy Kanguro

• The insurer's rating. We couldn't verify Cimarron's. Ask for it and check it yourself.
• Your state. Renters is in three states only. Confirm pet coverage where you live.
• Waiting periods. Read when pet coverage starts for accidents and illnesses.
• Exclusions. Check how pre-existing conditions are handled.
• Add-ons. Know what Premiere Care+ and Early Years Care+ add before you choose them.
• Lease rules. If your landlord requires renters coverage, confirm the policy meets its terms.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

Kanguro FAQs

Your next step

Send a request and a licensed agent will check Kanguro and other options available to you.