WHO THIS IS FOR

• Corporate HR and benefits teams. Add household resilience to the benefits stack alongside mental health and financial wellness. Productivity recovers faster after a disruption when employees have a plan at home.

• Insurers. Reduce claim severity and frequency by giving policyholders home-hardening guidance specific to their address, with completion tracked. Lower combined ratios. Better policyholder retention.

• Universities. Protect students, faculty, and staff with household-level preparedness — for the campus community and the families they go home to.

• Municipalities and utilities. Meet community resilience mandates with measurable household-level adoption. FEMA HMA grants and state resilience funding can underwrite deployment.

• Housing organizations and large landlords. Equip residents to protect themselves and the building. Reduce post-event vacancy and repair cycles.

• Households. Families ready to take resilience into their own hands. Free for early users. Join the list below for beta access.

WHAT YOUR PEOPLE GET

Every household enrolled gets a personalized resilience system: a written emergency plan, a home hardening checklist, a document vault, a check-in network, and a score that tracks readiness over time.

• A plan that fits where you live. Built from your address, who lives with you, what hazards are local, and what's already in place. You finish onboarding with a written evacuation route, two designated meeting points, an out-of-area contact, and a household communications plan that works when cell networks don't.

• A home hardening checklist with real costs. Specific to your home's construction and risk profile. Each task tells you what to buy, what it costs, whether a renter can do it or you need landlord sign-off, and how much effort it takes. The $40 upgrades that prevent the most damage are surfaced first.

• A vault for the documents that matter when something goes wrong. Insurance policies, IDs, medical records, property records, pet records — encrypted, accessible from your phone, organized for the moments you actually need them. At the FEMA intake desk. At the insurance adjuster's visit. At the pharmacy when prescriptions need replacing.

• A check-in network of neighbors and chosen contacts. You designate who gets notified when something happens, and who you're responsible for checking on. The people three doors down become a structured part of your resilience, not a hope.

• A Kino Score that tracks how ready you actually are. Five dimensions: physical preparedness, knowledge and skills, social connections, financial stability, psychological resilience. You see what's done, what's missing, and what to do next.

WHAT YOUR ORGANIZATION GETS

• An aggregate dashboard. See enrollment, completion, and resilience trends across your population — without seeing individual household data. Privacy by default.

• Measurable outcomes. Households tracked from baseline through completed actions. Reportable to leadership, regulators, grant funders, and reinsurance partners.

• Branded deployment. Co-branded onboarding that signals this came from you. Your people open the app and see your organization's commitment.

• Implementation support. Onboarding, enrollment campaigns, and a direct line to our team. Not another vendor portal you have to manage.

WHY THIS PAYS BACK

Disasters are getting more frequent, more expensive, and harder to predict. The cost of unprepared households shows up as missed work, lapsed insurance, displaced employees, prolonged outages, slower recovery, higher claim severity. The cost of prepared households is the opposite of all that.

Households that complete the actions Kino Cove guides them through recover faster, file fewer and smaller claims, and return to baseline sooner. For organizations carrying the weight of large affected populations, that delta is real money — and a population that knows their employer, insurer, or city had their back when it mattered.