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
No public, detailed underwriting guide or risk‑appetite bulletin is available on Kingstone’s open website; producer‑level underwriting content appears to sit behind the Producer Login/portal. Operational guidance below is therefore limited to what can be inferred from public marketing language and corporate disclosures and should be treated as directional only. Preferred / target business (Homeowners – "Select" program) - Personal homeowners in the Northeast, written through appointed retail and wholesale producers. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/)) - Strong focus on New York, New Jersey, and Connecticut for the Kingstone Select homeowners product suite. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) - Explicit marketing emphasis on: - Coastal homes (Kingstone positions itself as a specialist in coastal property where other carriers may be retrenching). - High‑value homes. - Seasonal and secondary homes. - Condo and renters risks as part of the broader homeowners offering. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) - Coverages and enhancements aimed at middle‑ to upper‑exposure personal property accounts, including options for equipment breakdown, service line, inland flood, water backup, scheduled property, and liability limits up to $1M. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) Restricted / declined (inferred) - Kingstone’s public positioning as a coastal and high‑value home specialist implies they are selective on: - Cat‑exposed coastal properties: likely higher minimum underwriting standards (construction, roof age/condition, distance to coast, elevation, prior loss history) and pricing controls, supported by a dedicated catastrophe reinsurance program and sophisticated pricing/underwriting tools. ([accessnewswire.com](https://www.accessnewswire.com/newsroom/en/real-estate/kingstone-announces-2024%2F2025-catastrophe-reinsurance-treaty-savings-of-6-million-879417?utm_source=openai)) - Older or substandard dwellings and homes with poor maintenance or adverse loss history; corporate filings note use of claims databases, insurance scoring, inspections, and other individual risk tools to support disciplined risk selection. ([s26.q4cdn.com](https://s26.q4cdn.com/629538895/files/doc_financials/2022/q4/0a6d598e-af49-44c3-b241-fb543434b09b.pdf?utm_source=openai)) - No explicit public list of prohibited classes, but based on product focus and filings, agents should assume: - Risks with uncorrected prior severe losses, serious liability hazards, or significant unrepaired damage will be difficult to place. - Non‑owner‑occupied properties are intended for the separate Landlord program rather than the owner‑occupied HO form. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/)) Geographic notes - Kingstone is a New York‑domiciled carrier with a pronounced emphasis on the Northeast. Corporate disclosures identify active homeowners and personal lines operations in New York and licensing in New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. ([kingstonecompanies.com](https://www.kingstonecompanies.com/news-releases/news-release-details/kingstone-reports-preliminary-record-fourth-quarter-and-full?utm_source=openai)) - The Kingstone Select homeowners product is specifically stated as available in New York, New Jersey, and Connecticut; other licensed states may have different or legacy offerings or limited appetite, subject to current filings and reinsurance arrangements. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) - Public statements emphasize continued commitment to Downstate New York even as other carriers restrict or exit, suggesting a strategic appetite for that region, again subject to underwriting and reinsurance constraints. ([kingstonecompanies.com](https://www.kingstonecompanies.com/news-releases/news-release-details/kingstone-reports-preliminary-record-fourth-quarter-and-full?utm_source=openai)) Submission / producer expectations (publicly visible) - All new business is written through appointed producers using a proprietary producer portal/quoting platform. Corporate filings highlight an electronic producer interface used to quote, access policy forms, and review underwriting guidelines. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/)) - Producer Login on the public site leads to a secure portal; detailed underwriting rules, eligibility, and rate/quote tools are expected to reside within that portal, and the public site does not expose submission checklists or line‑by‑line eligibility. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Account/Login)) - Prospective agents can use the "Become a Kingstone Producer" link; appointment, licensing and E&O requirements are handled via that workflow and/or field marketing support. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/)) Coverage & product structure highlights (Homeowners) - Kingstone Select homeowners form offers a menu of optional coverages and limits, including: - Enhanced home‑sharing coverage (indicating some appetite for owner‑occupied short‑term rental exposures where endorsed correctly). - Equipment breakdown, service line, water backup, inland flood, identity fraud, personal cyber, scheduled valuables, and flexible Coverage B/C/D options. - Liability limits up to $1,000,000. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) - Discounts mentioned publicly include companion auto, protective device, and new home buyer credits; additional credits may be available inside the producer portal. ([kingstoneinsurance.com](https://www.kingstoneinsurance.com/Home/Page/1029)) Broker / producer notes (inferred from public info) - Underwriting is described in corporate filings as "disciplined" and highly analytics‑driven, with use of industry claims databases, insurance scores, inspections, and other tools; producers should expect: - Strict completion of application data fields. - Order and review of third‑party data (MVR/CLUE/insurance score/property characteristics) as part of the normal quote‑bind process. - Possible post‑bind inspections with mid‑term underwriting actions (conditions, repairs, or non‑renewal) for materially adverse findings. ([s26.q4cdn.com](https://s26.q4cdn.com/629538895/files/doc_financials/2022/q4/0a6d598e-af49-44c3-b241-fb543434b09b.pdf?utm_source=openai)) - Kingstone has publicly emphasized pricing and underwriting sophistication partnerships (e.g., with Earnix) intended to improve rating precision and speed to market; producers should avoid assumption‑driven quoting and instead rely on portal indications and current rate plans. ([accessnewswire.com](https://www.accessnewswire.com/946752/kingstone-insurance-partners-with-earnix-to-improve-pricing-sophistication-and-speed-to-market?utm_source=openai)) Operational takeaway - Treat Kingstone as a regional personal lines carrier with a pronounced appetite for coastal, higher‑value, and complex homeowners risks in NY/NJ/CT (especially Downstate NY), subject to disciplined, analytics‑based risk selection and cat‑reinsurance constraints. - Because there is no open, line‑by‑line underwriting or appetite PDF, all specific eligibility (age of home, distance to coast, protection class, roof age, prior losses, dog breeds, trampolines/pools, short‑term rental parameters, etc.) must be confirmed within the producer portal or with underwriting. - Use Kingstone selectively for coastal or higher‑risk homes where standard markets have pulled back, but expect tighter scrutiny on property condition, updates, and loss history, and ensure all supporting information is documented at submission.