Kinney Insurance Agency

What Kinney Insurance Agency does

Kinney Insurance Agency is a third-generation, family-owned independent insurance agency headquartered in St. Albans, Vermont, with a secondary office in South Hero. Founded by the Kinney family and operating since 1973, the agency writes personal, commercial, and specialty lines including home, auto, business, farm, maple sugaring, and recreational vehicle insurance, alongside targeted programs for rental property owners, contractors, garage and towing businesses, and homebuyers. As an independent agent, the firm is compensated through carrier commissions rather than underwriting risk itself, and works with multiple local, regional, and national insurance providers to offer customers coverage options, with bundle savings cited up to 30%.

The agency's go-to-market is sales-led and relationship-driven: a team of roughly 26 staff including principals (Alan Kinney and Drew Kinney), account executives, account managers, and account technicians serves customers via phone, email, in-person appointments at the two Vermont offices, Calendly-based online scheduling, and online quote forms. Distribution is augmented by a white-labeled client portal (Gloveboxapp) that supports 24/7 self-service for payments, claims reporting, ID cards, policy documents, and policy changes. Content marketing across a Pro Tips blog of more than 70 educational posts and a YouTube video series targeting home buyers, contractors, and garage/towing owners underpins top-of-funnel demand generation, with Google Reviews serving as bottom-of-funnel social proof.

The customer base consists of Vermont and New England individuals, families, and small businesses concentrated in homeowners, homebuyers, landlords, contractors, auto repair shops, and farm and maple operations. The firm has received Best Places to Work in Vermont recognition and advertises no public ownership, parent, or external funding. Revenue is not publicly disclosed and derives from carrier commissions on a book spanning personal lines, commercial lines, and an expanding set of specialty programs.

Name

Kinney Insurance Agency

Legal name

Kinney Insurance Agency

Website

https://kinneyins.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

11–50 employees

Short description

Kinney Insurance Agency is a third-generation, family-owned independent insurance agency in Vermont writing home, auto, business, farm, maple, and recreational vehicle insurance, plus specialty programs for landlords, contractors, garage and towing businesses, and homebuyers across New England via carrier commissions.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF), Hired & Non-Owned Auto (FSAJABAE), Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial insurance
• Insurance brokerage services
• Vermont insurance provider

Headquarters

HQ city

Saint Albans

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Kinney Insurance earns revenue through commissions from insurance carriers for policies sold and renewed. They work with multiple local, regional, and national insurance providers to offer options to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Kinney Insurance Agency is a third-generation, family-owned independent insurance agency that sells personal and commercial insurance policies on behalf of multiple local, regional, and national carriers. The agency places coverage across home, auto, business, farm, maple sugaring, recreational vehicles, rental properties, contractors, and garage/towing lines, and earns commissions from carriers for policies sold and renewed.

Product overview

Kinney Insurance Agency is a third-generation, family-owned independent insurance agency serving Vermont and New England since 1973. The agency operates as a multi-product insurance provider offering a portfolio of core personal and commercial insurance products including Home, Auto, Business, Farm, Maple, and Recreational Vehicles insurance. In addition to core coverage lines, they offer specialized specialty programs for Homebuyers, Rental Properties, Contractors, and Garage/Towing businesses. The agency differentiates itself through an independent agent model that works with multiple insurance carriers to provide options and competitive pricing. Their modernized service approach includes a 24/7 Client Portal powered by GloveBox, self-service options, and personalized customer service across two Vermont locations (St. Albans and South Hero).

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Homeowners insurance covering dwelling, personal property, liability, loss of use, and other structures protection for residential properties.
• Auto Insurance Vehicle insurance covering liability, collision, comprehensive, and protection against theft including catalytic converter theft for individual vehicle owners.
• Business Insurance Commercial insurance coverage for businesses including general liability, property, workers compensation, and commercial auto.
• Farm Insurance Specialized insurance coverage for farms and agricultural operations in Vermont.
• Maple Insurance Specialty insurance coverage for maple sugaring operations, unique to Vermont and New England region.
• Recreational Vehicles Insurance Insurance for boats, jet skis, sailboats, yachts, RVs, campers, snowmobiles, ATVs, and motorcycles.
• Rental Property Insurance Landlord insurance covering property damage, liability costs, and loss of rental income for rental properties including single family, multi-family, short term (Airbnb/VRBO), and long term rentals.
• Contractors Insurance Business insurance for contractors covering liability, property, workers comp, and commercial auto with options for carpenters, plumbers, electricians, HVAC, paving, landscaping, and artisan contractors.
• Garage and Towing Insurance Insurance coverage for auto repair shops, body shops, auto dealerships, towing operations, and detailing operations including garage keepers, mechanics E&O, and commercial liability.
• Homebuyers Insurance Streamlined insurance process for home buyers to satisfy lender requirements and get proper coverage, working with mortgage lenders and real estate agents.
• Renters Insurance Tenant insurance covering personal property, liability, and additional living expenses for renters.
• Condo Insurance Insurance for condominium units that picks up coverage where association policies end, with experience reading condo association agreements.
• Umbrella Insurance Personal umbrella liability coverage providing higher limits to protect against rising medical bills and legal settlements.
• Scheduled Items Coverage Scheduled personal property coverage for high-value items like jewelry, fine art, musical instruments, cameras, firearms, and collectibles beyond standard policy limits.

Quantifiable outcome

• Customers can save up to 30% by bundling home and auto insurance
• +3 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor and core.

• Vermont Dryer DuctminorStrategic or Co-development PartnerReferral partnership for dryer duct cleaning services. Vermont Dryer Duct provides professional dryer vent and ductwork cleaning services, which the agency recommends to customers as part of fire safety prevention. Featured in blog content about preventing house fires.
• GloveboxappcoreTechnology or IntegrationTechnology partner providing the client portal platform for 24/7 customer access to policy management, claims reporting, document access, and account management. The agency uses this white-label platform branded for their agency.
• Mortgage Lenders and Real Estate AgentscoreStrategic or Co-development PartnerStrategic partners in the home buying process. The agency works directly with mortgage lenders and real estate agents to ensure insurance requirements are met for smooth closings. Collaborates to make home buying process efficient.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• GEICO: National direct-to-consumer auto and home insurer. Specifically named in Kinney testimonials as the incumbent customers switched away from, representing the core competitive threat on price-driven personal lines.
• Erie Insurance: Regional insurance carrier that distributes exclusively through independent agents across the Northeast and Mid-Atlantic. Comparable in reliance on the independent agency channel and personal/commercial line focus.
• State Farm: Largest U.S. personal lines insurer with a captive agent model offering home and auto coverage nationally. Comparable product set to Kinney's core lines but with vastly greater scale and brand reach.
• Plymouth Rock Assurance: Northeast regional insurance carrier offering home and auto coverage through independent agents. Comparable in regional focus and multi-state New England distribution.
• Liberty Mutual: National insurance carrier offering personal and commercial lines through both direct and agent channels. Overlaps with Kinney's home, auto, and business insurance products.

Emerging players

• Lemonade: Digital-first insurtech offering home and renters insurance through a mobile app with AI-driven underwriting. Represents the emerging direct-to-consumer model competing with traditional independent agencies like Kinney.
• Hippo Insurance: Insurtech focused on homeowners insurance with a digital buying experience and home protection services. Competes with independent agencies for new-home-buyer and homeowner relationships, directly overlapping Kinney's home buying and home specialty programs.

Direct peers

• Hickok & Boardman Insurance: Independent Vermont-based insurance agency offering personal, commercial, and specialty coverage. Highly comparable to Kinney as a regional multi-line independent agency serving New England households and businesses.
• Co-operative Insurance Companies: Vermont-based mutual insurance carrier offering home, auto, and business coverage through independent agents in the region. Comparable product set and New England distribution model.
• Brownson & Associates Insurance: Vermont-located independent insurance agency placing personal and commercial lines with multiple carriers. Comparable footprint, independent agency model, and regional focus to Kinney Insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KinneyIns
• YouTubeyoutube.com/channel/UCtsSuExGyjilIivvvBT4p_A
• Facebookfacebook.com/KinneyIns
• LinkedInlinkedin.com/company/kinney-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kinney Insurance Agency