Kingstone Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Kingstone Insurance Company is a Northeast regional personal-lines carrier focused primarily on homeowners and related property in New York, with additional personal lines offerings in select Northeast states. The public-facing site emphasizes product availability and producer relationships but does not publish a detailed HO underwriting guide or appetite grid. Preferred business / target profile - Personal lines property risks (owner-occupied 1–4 family homes, condos/co-ops, tenants, and non-owner-occupied dwellings/landlords) in New York and select Northeast states, particularly downstate New York where the company is actively growing via renewal-rights transactions and producer relationships. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/?utm_source=openai)) - Standard to above-standard homeowners risks where rates can be matched to individual risk characteristics using Kingstone’s "Select" programs and by-peril rating, with emphasis on solid property condition, acceptable prior loss experience, and favorable insurance scoring. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) - Risks within Kingstone’s coastal and catastrophe management tolerances; the company uses individual catastrophe risk scoring, hurricane deductibles, and reinsurance structures (including a catastrophe bond and layered cat programs) to manage PML and support growth in coastal-exposed areas rather than exiting the market. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) Restricted / declined classes (inferred from corporate disclosures and rating commentary) - Commercial liability is no longer written; that line is in run-off and not available for new or renewal production. ([businesswire.com](https://www.businesswire.com/news/home/20230505005385/en/AM-Best-Downgrades-Credit-Ratings-of-Kingstone-Insurance-Company?utm_source=openai)) - Non-core business outside New York has been significantly reduced; appetite outside NY is deliberately smaller and more selectively underwritten. Producers should not assume broad appetite in all licensed states. ([kingstonecompanies.com](https://kingstonecompanies.com/newsroom/news-details/2025/Kingstone-Announces-FY2026-Guidance/default.aspx?utm_source=openai)) - Property risks with poor prior loss experience, substandard property condition, or adverse insurance scoring are screened out via upfront underwriting and post-bind inspection; these risks are likely to be declined or non-renewed. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) - Higher-hazard coastal properties may face tighter guidelines, mandatory hurricane/wind deductibles, or non-renewal where they exceed Kingstone’s catastrophe risk and PML tolerances. Although Kingstone remains one of the few carriers writing certain Long Island/Downstate NY properties, exposure management is explicitly called out as a priority. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) Geographic notes - Core focus is New York; company filings and investor disclosures describe New York personal lines (especially homeowners) as the core book, with non-New York business now a small portion of total premium. ([kingstonecompanies.com](https://kingstonecompanies.com/newsroom/news-details/2025/Kingstone-Announces-FY2026-Guidance/default.aspx?utm_source=openai)) - Kingstone is licensed in multiple Northeast states (including New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine), but strategic emphasis and growth activity are concentrated in New York, particularly downstate regions impacted by other carriers’ withdrawals. ([kingstonecompanies.com](https://kingstonecompanies.com/newsroom/news-details/2025/Kingstone-Announces-FY2026-Guidance/default.aspx?utm_source=openai)) - Coastal exposure (e.g., Long Island and other downstate coastal areas) is actively managed using cat risk scoring, hurricane deductibles, reinsurance, and non-renewals where necessary to keep catastrophe PML within tolerance. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) Submission / underwriting process expectations (operational) - Producers quote and submit business through Kingstone’s producer portal, which provides access to policy forms and underwriting guidelines; the detailed guides are housed behind login rather than on public pages. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/?utm_source=openai)) - Underwriting review emphasizes: prior loss history, cost of reinsurance for the risk (particularly cat-exposed locations), property condition (supported by inspections), and insurance scoring. Risks outside tolerance are filtered out either at quote or after inspection. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) - Physical property inspections are a routine part of the underwriting process and feed back into eligibility and continued coverage decisions. Properties not meeting condition or risk standards are subject to underwriting action (requirements, changes in terms/deductibles, or non-renewal). ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) - The company maintains certain policy exclusions and uses hurricane/catastrophe deductibles to limit severity exposure. Producers should be prepared to explain and position these features when quoting coastal or severe-weather-exposed homes. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) Broker / producer notes - Kingstone positions itself as a relationship-driven carrier: every producer is paired with a dedicated underwriter and marketing liaison for accessible, responsive support. Producers are encouraged to route questions and borderline risks through this team rather than assuming appetite. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/28?utm_source=openai)) - Strategic messaging to investors and producers highlights a broad underwriting appetite within personal lines, but always within the confines of disciplined risk selection and catastrophe exposure targets. Producers should expect that overall HO appetite can tighten or loosen in response to cat reinsurance markets and rate adequacy, particularly for New York coastal business. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000033992/14a09239-f039-4fd0-9e45-31ef3a8357e3.html?utm_source=openai)) Because Kingstone does not maintain a public, line-by-line homeowners underwriting or appetite guide, operational details about specific eligibility criteria, protection classes, construction types, distance-to-coast rules, age-of-roof requirements, and similar items must be obtained from the secure producer portal or directly from assigned underwriters.