Kin is a fast-growing, tech-first, property insurance company co-founded by Sean Harper. Harper goes into the weeds when it comes to finding what impacts the cost of your home insurance. For example, clean your gutters more. He’s a multi-time founder who has learned how practicality can be your friend and your enemy. Where do you draw the line when you consider how much capital you should raise.   Get more innovators at Technori.com or on Facebook, Twitter and Instagram.