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’s currently published personal lines guidance is primarily product- and producer-facing rather than a detailed public appetite guide. For Home, Kingstone actively presents itself as a Northeast-focused carrier with a Homeowners/Select offering available in New York, New Jersey, and Connecticut, and its main consumer site also shows New York Homeowners and Connecticut Select Homeowners. Preferred or highlighted business includes coastal homes, high-valued homes, seasonal and secondary homes, condos, and renters exposures. The Homeowners page emphasizes customizable coverage and optional enhancements such as equipment breakdown, inland flood, service line, water backup, scheduled property, home-sharing enhancement, identity fraud, personal cyber, and liability up to $1 million. Geographic note: the site specifically positions Kingstone as a New York-based carrier focused on the Northeast; product availability shown online is NY, NJ, and CT for the Select suite, while the home page menu separately lists New York products and Connecticut Select Homeowners. No public official page was found that spells out a detailed class-by-class decline list, prohibited occupancies, age/condition cutoffs, protection class limits, coastal wind restrictions, or binding authority rules, so those items should be confirmed through the producer channel before quoting. Producer/broker notes: Kingstone states business is written through licensed agents/brokers and that each producer is paired with a dedicated underwriter and marketing liaison. The site provides producer login access and a prospective producer/appointment path, indicating submission activity is intended to flow through appointed or prospective producers rather than direct public submission for new business. Submission expectations visible on the site are limited; however, official forms indicate underwriting data collection around valuation method, other insurance, mortgagee information, loss/arson-related disclosures, and property underwriting information, suggesting standard dwelling risk detail is required with submissions. Operationally, treat Kingstone as a regional personal-lines market for Northeast home risks with visible strength in coastal, higher-value, and seasonal/secondary residences, but obtain producer-only underwriting rules for restrictions, hard declines, coastal eligibility, and document requirements before relying on appetite for placement.