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
Verified public guidance is limited, but Kingstone’s official site currently presents a personal lines/property-focused appetite centered on homeowners and related dwelling risks in the Northeast. The public homeowners page states Kingstone specializes in coastal homes, high-valued homes, seasonal and secondary homes, condo, and renters. Its Select homeowners product is specifically stated as available in New York, New Jersey, and Connecticut, indicating clear Northeast concentration and a defined geographic footprint. The main site also lists New York personal lines offerings including homeowners, landlords, condo & co-op, personal umbrella, canine legal liability, and for-hire physical damage only, while Connecticut shows Select homeowners. Public-facing materials do not provide a formal decline list or detailed hazard/class restrictions, so no verified prohibited classes should be inferred beyond the limited product/geography presentation. Submission and producer notes available publicly are operational rather than technical underwriting rules: prospective agencies are asked to complete an Agency Appointment Questionnaire, provide production reports for the prior three years from their top three carriers, submit an E&O declarations page, and provide corporate and individual licenses; completed packages are directed to marketing@kingstoneic.com. Kingstone also states that each producer is partnered with an underwriter and a marketing liaison, suggesting relationship-based distribution and supported access for appointed producers. Additional broker-facing service notes visible on the site include producer login access and consumer-service links such as claim reporting, claim documentation submission, and a New York anti-arson application resource, which may be relevant for supporting documentation on eligible risks. Overall, the currently published guidance supports positioning Kingstone for Northeast personal property business—especially homeowners-oriented accounts with coastal, high-value, seasonal/secondary-home characteristics—while treating detailed risk acceptability, restrictions, and submission prerequisites as likely controlled through appointed-producer channels rather than a fully public appetite guide.