Kingstone Insurance Company

Kingstone Insurance: Products, Benefits, and Company Overview

Kingstone Insurance Company is a regional property and casualty insurer with deep roots in the Northeastern United States. Headquartered in Kingston, New York, the company has focused for generations on providing dependable personal insurance coverage for homeowners, landlords, renters, and condo or co-op owners.

Kingstone’s portfolio includes policies for primary and secondary residences, as well as umbrella and specialty liability coverage. The company distributes its products exclusively through independent agents who understand the needs of their local communities.

Kingstone has become a trusted choice for clients across New York, New Jersey, Connecticut, Rhode Island, and Massachusetts, particularly those seeking protection for coastal or high-value homes. Its regional concentration allows for precise underwriting tailored to the environmental and property risks unique to the Northeast. Combining more than a century of experience with a modern service approach, Kingstone remains a respected name in personal insurance.

History and Growth

The company traces its origins back to 1886, when it began as a small mutual fire insurer serving New York residents. Over time, it expanded its offerings and transitioned from a mutual to a stock company in 2009, adopting the Kingstone Insurance Company name. Today, it operates as a wholly owned subsidiary of Kingstone Companies, Inc., a publicly traded entity listed on NASDAQ under the ticker KINS.

From a single-state provider, Kingstone has grown into a regional insurer active throughout the Northeast. Its steady expansion and commitment to working with independent agents reflect an enduring dedication to local expertise, personal service, and long-term financial stability. Nearly 140 years later, Kingstone remains a fixture in the markets it serves, focusing on the same goal that has guided it since its founding, protecting homes, property, and peace of mind.

Products Offered

Kingstone Insurance provides a complete range of personal insurance products designed to safeguard both property and liability exposures. Key coverages include:

• Homeowners Insurance
  Comprehensive protection for houses and personal belongings, with coverage for the dwelling, other structures, personal property, and liability. Optional enhancements such as equipment breakdown, water backup, and inland flood coverage can be added for broader protection.
• Condo and Co-op Insurance
  Tailored protection for condominium or co-op owners. Covers personal belongings, interior fixtures, and improvements not included in the building’s master policy, along with liability protection.
• Renters Insurance
  Affordable protection for tenants, covering personal property, personal liability, and additional living expenses if a rental becomes uninhabitable after a covered event.
• Landlord (Dwelling Fire) Insurance
  Designed for property owners renting out residential units. Provides coverage for the building itself and includes liability protection against tenant or third-party claims.
• Personal Umbrella Insurance
  Extra liability coverage that extends beyond standard homeowners or auto limits, often beginning at $1 million. Helps protect assets from large lawsuits or judgments.
• Canine Liability Insurance
  Specialty coverage for dog owners that helps cover medical or legal expenses if a pet causes injury or property damage. This product is ideal for owners whose standard homeowners policies may exclude certain breeds or animal-related claims.

Certain programs, such as Kingstone’s Select Homeowner plan, available in select states, include enhanced features like home-sharing coverage, service line protection, inland flood, identity theft recovery, and equipment breakdown benefits, offering homeowners modern, well-rounded protection.

Why Choose Kingstone Insurance

Proven Track Record: Operating continuously since the 19th century, Kingstone’s longevity demonstrates financial strength and consistency. Few regional carriers have maintained such a long history of uninterrupted service.

Regional Expertise: Kingstone’s deep understanding of Northeastern markets allows it to address unique local risks, from winter storms to coastal wind exposures. The company’s policies are built around the realities of the region it serves.

Specialized Coverage Options: In addition to standard personal lines, Kingstone offers niche solutions such as canine liability and inland flood coverage, as well as policy enhancements that meet evolving homeowner needs.

Personalized Service Through Independent Agents: Because Kingstone partners with independent agents rather than selling directly, customers receive guidance from professionals who know their communities and can tailor policies to individual circumstances.

Competitive Pricing and Discounts: Kingstone provides flexible rating options and potential discounts for protective devices, multi-policy packages, and other qualifying factors, keeping premiums affordable while maintaining robust coverage.

Commitment to Customer Care: The company is widely regarded for its responsive claims handling, especially during weather events common in the Northeast. Clients have access to online policy management, payment portals, and 24/7 claims reporting.

Positive Industry Standing: Kingstone maintains strong financial and customer service ratings, reflecting stability and reliability. Its long-standing reputation reinforces its credibility as a trusted regional insurer.

Availability and Service Area

Kingstone’s operations focus on the Northeast United States, with active policies available in New York, New Jersey, Connecticut, Rhode Island, and Massachusetts. The company also maintains licensing in several adjacent states but concentrates its underwriting and agent network in these five core markets.

If you live within this region, Kingstone offers localized expertise that few national insurers can match. For clients in other areas, our brokerage can help identify comparable carriers that provide similar personal lines coverage across the U.S.

Frequently Asked Questions About Kingstone Insurance

What types of insurance does Kingstone provide?

Kingstone offers homeowners, condo/co-op, renters, landlord (dwelling fire), personal umbrella, and canine liability insurance.

Where does Kingstone operate?

Policies are currently available in New York, New Jersey, Connecticut, Rhode Island, and Massachusetts.

How long has Kingstone been in business?

The company traces its heritage to 1886, giving it nearly 140 years of experience in personal insurance.

Can Kingstone insure coastal or high-value homes?

Yes. Kingstone is well-known for insuring coastal and high-value properties and works closely with brokers to customize coverage.

Does Kingstone offer optional policy enhancements?

Yes. Depending on the state, options include inland flood, service line protection, home-sharing coverage, and identity theft recovery.

How do I file a claim?

Claims can be reported online, through Kingstone’s customer portal, or by contacting your local independent agent 24/7.

Can I purchase a Kingstone policy directly?

No. Policies are sold exclusively through independent agents, ensuring customers receive tailored advice and ongoing support.