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Kingstone Companies

Full company profile

uuid002wld1

Namestring
Kingstone Companies
Legal namestring
Kingstone Companies, Inc.
Company typeenum
Public
Founded yearint
1886
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
HeadquartersKingston, United States
HQ citystring
Kingston
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
property casualty insurance, homeowners insurance, excess surplus lines, catastrophe reinsurance, underwriting platform
NAICS code2 codes
  • Insurance Carriers and Related Activities524
  • Agencies, Brokerages, and Other Insurance Related Activities5242
SIC code2 codes
  • Fire, Marine & Casualty Insurance6331
  • Insurance Agents, Brokers & Service6411
Product category
Property and Casualty Insurance
Social media profiles1 record
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Net Premiums Earned (Insurance Premiums)
TypeSubscription Recurring
Description

Kingstone earns insurance premiums through its principal operating subsidiary, Kingstone Insurance Company (KICO), which writes personal lines homeowners insurance and commercial auto insurance in New York, and homeowners insurance in California on a non-admitted E&S basis. Premiums are earned pro-rata over the policy period (all policies are 12-month terms). Net premiums earned grew 45.6% year-over-year to $187.1M in FY 2025 and 28.4% to $55.9M in Q1 2026. Direct premiums written grew 14.8% to $277.8M in FY 2025 and 19.6% to $69.6M in Q1 2026. The company also earns ceding commission revenue from quota share reinsurance arrangements.

kingstonecompanies.com
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels4 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure
Pricing details1 tier
1Homeowners insurance — Select product (proprietary risk-reflective pricing)
ModelOtherBilling cadenceAnnual
Notes

Pricing is risk-reflective and peril-level, determined through actuarial analysis and proprietary Select underwriting platform. The Select product matches rate to risk at the peril level and targets low-to-moderate wildfire exposure in California. E&S basis in California provides greater pricing flexibility vs. admitted market.

kingstonecompanies.com
GTM typeB2C
B2C
Offering typeServices
Services
Brand1 of 2 records shown
1Select
Description

Proprietary homeowners insurance product suite with sophisticated pricing that achieves claim frequencies more than 33% lower than legacy products; represents 57% of policies in force

kingstonecompanies.com
+1 more record
Core offering1 text field

Kingstone Companies is a northeast regional property and casualty insurance holding company that writes personal lines homeowners insurance and commercial auto insurance primarily in New York through its principal operating subsidiary Kingstone Insurance Company (KICO). The company underwrites risk using its proprietary Select underwriting platform, which performs peril-level risk selection and pricing. Kingstone is expanding into the California homeowners market on an Excess and Surplus Lines basis through subsidiary KINS Insurance Agency, leveraging the Z-FIRE AI-driven wildfire risk model from partner ZestyAI.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 10 values shown
  • Select product achieves claim frequencies more than 33% lower than legacy products
+9 more records
Product overview1 text field

Kingstone Companies is a regional property and casualty insurance holding company offering homeowners insurance solutions through its proprietary Select platform, now representing 57% of policies in force. The company writes personal lines (homeowners, renters, condo) and commercial auto insurance primarily in New York through its subsidiary Kingstone Insurance Company (KICO), which was the 11th largest writer of homeowners insurance in New York in 2025. The Select platform is supported by a scalable operating infrastructure and has driven structural profitability improvements with claim frequencies 33% lower than legacy products. Kingstone is expanding geographically into California with E&S homeowners products enhanced by ZestyAI's Z-FIRE wildfire risk model, marking its first expansion outside the Northeast. The company also launched Kingstone America Insurance Company to support multi-state admitted and non-admitted expansion starting with Connecticut.

Product and service3 records
1Select Homeowners Insurance
CategoryHomeowners Insurance
2California Homeowners E&S
CategoryHomeowners Insurance
3Commercial Auto Insurance
CategoryCommercial Auto Insurance
Scale indicator12 records

Each record includes

Type, Value, Description, Source

Partnership2 partners
Strategic tierCoreTypeTechnology or IntegrationAnnounced on2026-04-08
Description

Kingstone partnered with ZestyAI to deploy the Z-FIRE wildfire risk model as part of its planned entry into the California homeowners market in Q2 2026. Z-FIRE uses machine learning to evaluate property-level characteristics (defensible space, building materials, topography, vegetation) for granular wildfire exposure assessment. Z-FIRE was the first AI-based wildfire model included in an approved carrier rate filing in California. Kingstone integrated Z-FIRE into its Select underwriting platform to support property-level rating and disciplined wildfire risk management, targeting low-to-moderate wildfire exposure. Senior VP Sarah Chen cited the partnership as reflecting the company's data-driven approach to entering complex markets.

Strategic tierSupportingTypeTechnology or IntegrationAnnounced on2025-03-18
Description

Kingstone partnered with Snapsheet, a claims management technology provider, to modernize its claims operations. The deployment of Snapsheet's software introduced digital communication capabilities, expanded payment options, and intelligent automation for faster, more seamless claims resolution for policyholders. Kingstone's Chief Claims Officer highlighted improved cost efficiency and customer experience as key objectives of the partnership.

Recent move7 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
TypeEmerging player
Description

Tech-driven insurtech disrupting personal lines with AI-native underwriting. Relevant as an emerging competitive threat in homeowners insurance technology and distribution.

TypeDirect peer
Description

Regional property and casualty insurer focused on personal lines homeowners in catastrophe-prone states. Closely comparable business model and target market to Kingstone.

TypeBroad incumbent
Description

National P&C giant that recently withdrew from California homeowners. Relevant as a benchmark competitor whose re-entry could pressure Kingstone's California strategy.

TypeDirect peer
Description

Vertically integrated P&C holding company writing homeowners insurance primarily in Florida. Comparable in scale and focus on catastrophe-exposed personal lines.

TypeBroad incumbent
Description

Large global P&C insurer with significant homeowners and high-net-worth property exposure. Provides broader industry benchmark for capital, scale, and underwriting discipline.

TypeDirect peer
Description

Regional P&C insurance holding company with a similar personal lines focus on homeowners. Comparable in scale and geographic concentration in the Mid-Atlantic/Northeast.

TypeDirect peer
Description

Specialty homeowners and property insurance carrier with similar focus on catastrophe-exposed markets, notably Florida. Comparable in scale and product focus on residential property insurance.

TypeDirect peer
Description

Personal lines P&C insurer with strong California homeowners franchise. Comparable in personal lines focus; relevant peer given Kingstone's California entry.

TypeBroad incumbent
Description

Large national mutual insurer offering homeowners and auto coverage. Provides scale benchmark and competitive context for Kingstone's regional operations.

TypeDirect peer
Description

Specialty insurer focused on earthquake and other catastrophe-exposed property risks. Comparable in its use of proprietary risk analytics and focus on catastrophe markets.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment3 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile3 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI capability3 records

Each record includes

Type, Description, Source

AI maturity
App detail

Has app

Feature2 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles14 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries3 records

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

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

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

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

Kingstone Companies

Property and Casualty Insurancekingstonecompanies.com

Kingstone Companies firmographics

Firmographics
Name
Kingstone Companies
Legal name
Kingstone Companies, Inc.
Website
https://kingstonecompanies.com
Company type
Public
Founded year
1886
Operating status
Operating
Headcount range
51–100 employees
Ownership category
akta.pro rank

Where Kingstone Companies is headquartered

Location

Headquarters

HQ city
Kingston
HQ country
United States
HQ region
North America

Offices1 record

Markets served

Kingstone Companies business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

  1. Net Premiums Earned (Insurance Premiums): Kingstone earns insurance premiums through its principal operating subsidiary, Kingstone Insurance Company (KICO), which writes personal lines homeowners insurance and commercial auto insurance in New York, and homeowners insurance in California on a non-admitted E&S basis. Premiums are earned pro-rata over the policy period (all policies are 12-month terms). Net premiums earned grew 45.6% year-over-year to $187.1M in FY 2025 and 28.4% to $55.9M in Q1 2026. Direct premiums written grew 14.8% to $277.8M in FY 2025 and 19.6% to $69.6M in Q1 2026. The company also earns ceding commission revenue from quota share reinsurance arrangements.

Pricing tiers

ModelBillingPrice
OtherAnnualHomeowners insurance — Select product (proprietary risk-reflective pricing)

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Kingstone Companies product offering

Product offering

Core offering

Kingstone Companies is a northeast regional property and casualty insurance holding company that writes personal lines homeowners insurance and commercial auto insurance primarily in New York through its principal operating subsidiary Kingstone Insurance Company (KICO). The company underwrites risk using its proprietary Select underwriting platform, which performs peril-level risk selection and pricing. Kingstone is expanding into the California homeowners market on an Excess and Surplus Lines basis through subsidiary KINS Insurance Agency, leveraging the Z-FIRE AI-driven wildfire risk model from partner ZestyAI.

Product overview

Kingstone Companies is a regional property and casualty insurance holding company offering homeowners insurance solutions through its proprietary Select platform, now representing 57% of policies in force. The company writes personal lines (homeowners, renters, condo) and commercial auto insurance primarily in New York through its subsidiary Kingstone Insurance Company (KICO), which was the 11th largest writer of homeowners insurance in New York in 2025. The Select platform is supported by a scalable operating infrastructure and has driven structural profitability improvements with claim frequencies 33% lower than legacy products. Kingstone is expanding geographically into California with E&S homeowners products enhanced by ZestyAI's Z-FIRE wildfire risk model, marking its first expansion outside the Northeast. The company also launched Kingstone America Insurance Company to support multi-state admitted and non-admitted expansion starting with Connecticut.

Differentiator

Problem solved

Functional benefit

Brands

  • Select: Proprietary homeowners insurance product suite with sophisticated pricing that achieves claim frequencies more than 33% lower than legacy products; represents 57% of policies in force
  • Z-FIRE

Products and services

  • Select Homeowners Insurance
  • California Homeowners E&S
  • Commercial Auto Insurance

Quantifiable outcome

  • Select product achieves claim frequencies more than 33% lower than legacy products
  • +9 more outcomes

Companies that use Kingstone Companies

Customer profile

Segments3 records

Ideal customer profiles3 records

Kingstone Companies technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature2 records

Kingstone Companies partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered core and supporting.

  • ZestyAIcoreTechnology or Integration · 8 April 2026Kingstone partnered with ZestyAI to deploy the Z-FIRE wildfire risk model as part of its planned entry into the California homeowners market in Q2 2026. Z-FIRE uses machine learning to evaluate property-level characteristics (defensible space, building materials, topography, vegetation) for granular wildfire exposure assessment. Z-FIRE was the first AI-based wildfire model included in an approved carrier rate filing in California. Kingstone integrated Z-FIRE into its Select underwriting platform to support property-level rating and disciplined wildfire risk management, targeting low-to-moderate wildfire exposure. Senior VP Sarah Chen cited the partnership as reflecting the company's data-driven approach to entering complex markets.
  • SnapsheetsupportingTechnology or Integration · 18 March 2025Kingstone partnered with Snapsheet, a claims management technology provider, to modernize its claims operations. The deployment of Snapsheet's software introduced digital communication capabilities, expanded payment options, and intelligent automation for faster, more seamless claims resolution for policyholders. Kingstone's Chief Claims Officer highlighted improved cost efficiency and customer experience as key objectives of the partnership.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Kingstone Companies competitors and assessment

Company assessment

Emerging players

  • Lemonade: Tech-driven insurtech disrupting personal lines with AI-native underwriting. Relevant as an emerging competitive threat in homeowners insurance technology and distribution.

Direct peers

  • Heritage Insurance Holdings: Regional property and casualty insurer focused on personal lines homeowners in catastrophe-prone states. Closely comparable business model and target market to Kingstone.
  • Universal Insurance Holdings: Vertically integrated P&C holding company writing homeowners insurance primarily in Florida. Comparable in scale and focus on catastrophe-exposed personal lines.
  • Donegal Group: Regional P&C insurance holding company with a similar personal lines focus on homeowners. Comparable in scale and geographic concentration in the Mid-Atlantic/Northeast.
  • HCI Group: Specialty homeowners and property insurance carrier with similar focus on catastrophe-exposed markets, notably Florida. Comparable in scale and product focus on residential property insurance.
  • Mercury General: Personal lines P&C insurer with strong California homeowners franchise. Comparable in personal lines focus; relevant peer given Kingstone's California entry.
  • Palomar Holdings: Specialty insurer focused on earthquake and other catastrophe-exposed property risks. Comparable in its use of proprietary risk analytics and focus on catastrophe markets.

Broad incumbents

  • Allstate: National P&C giant that recently withdrew from California homeowners. Relevant as a benchmark competitor whose re-entry could pressure Kingstone's California strategy.
  • Chubb: Large global P&C insurer with significant homeowners and high-net-worth property exposure. Provides broader industry benchmark for capital, scale, and underwriting discipline.
  • American Family Insurance: Large national mutual insurer offering homeowners and auto coverage. Provides scale benchmark and competitive context for Kingstone's regional operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Kingstone Companies social profiles

Digital presence

Kingstone Companies financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Kingstone Companies leadership team

Management profile

Number of profiles

Profiles14 records

Kingstone Companies subsidiaries and ownership

Company hierarchy

Subsidiaries3 records

Kingstone Companies funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Kingstone Companies M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Kingstone Companies

What does Kingstone Companies do?

Kingstone Companies is a northeast regional property and casualty insurance holding company that writes personal lines homeowners insurance and commercial auto insurance primarily in New York through its principal operating subsidiary Kingstone Insurance Company (KICO). The company underwrites risk using its proprietary Select underwriting platform, which performs peril-level risk selection and pricing. Kingstone is expanding into the California homeowners market on an Excess and Surplus Lines basis through subsidiary KINS Insurance Agency, leveraging the Z-FIRE AI-driven wildfire risk model from partner ZestyAI.

Is Kingstone Companies a public or private company?

Kingstone Companies is a public company. It is classified as public and is currently operating.

When was Kingstone Companies founded?

Kingstone Companies was founded in 1886. It employs 51 to 100 people.

Where is Kingstone Companies based?

Kingstone Companies is headquartered in Kingston, United States, in the North America region.

How does Kingstone Companies make money?

One revenue line is on record: net Premiums Earned (Insurance Premiums).

Who are Kingstone Companies's main competitors?

Lemonade is listed as an emerging player. Direct peers are Heritage Insurance Holdings, Universal Insurance Holdings, Donegal Group, HCI Group, Mercury General and Palomar Holdings. Broad incumbents are Allstate, Chubb and American Family Insurance.

Does Kingstone Companies have an API?

No public API is recorded for Kingstone Companies.

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Live signals
American Banking and Market NewsReviewing Kingstone Companies (NASDAQ:KINS) & TWFG (NASDAQ:TWFG)TWFG and Kingstone Companies are compared on profitability, valuation, and analyst ratings. TWFG beats Kingstone on 7 of 13 factors, with a consensus target price of $29.29 implying 18.42% upside. Kingstone trades at a lower P/E ratio, but analysts favor TWFG.Ticker ReportCritical Analysis: MetLife (NYSE:MET) and Kingstone Companies (NASDAQ:KINS)MetLife outperforms Kingstone Companies on 11 of 17 factors, including higher revenue, earnings, and dividend yield. MetLife's consensus target price of $104.31 implies a 10.43% upside, while Kingstone trades at a lower P/E ratio. MetLife's stronger institutional ownership and dividend growth make it the more favorable investment.Defense WorldTWFG (NASDAQ:TWFG) vs. Kingstone Companies (NASDAQ:KINS) Head-To-Head ReviewTWFG and Kingstone Companies are compared on dividends, valuation, profitability, earnings, risk, institutional ownership, and analyst recommendations. TWFG wins 7 of 13 factors, with a consensus price target of $29.29 implying 19% upside, while Kingstone trades at a lower P/E ratio.American Banking and Market NewsComparing Kingstone Companies (NASDAQ:KINS) and Citizens (NYSE:CIA)Kingstone Companies beats Citizens on 8 of 14 factors, including higher net margin and ROE. Kingstone trades at a lower P/E ratio, while Citizens has a higher consensus target price. Kingstone's lower beta indicates less volatility than Citizens.Simply Wall St3 Insurance Stocks Worth Watching As Bond Income Comes Back Into FocusThree US insurers—Employers Holdings, Fidelity National Financial, and Kingstone Companies—are highlighted for their bond-heavy portfolios benefiting from rising yields. Employers Holdings generates $837.6M revenue, Fidelity $15.4B, and Kingstone $237.7M, with Kingstone's portfolio over 95% in bonds. The article notes margin pressure and funding reliance on external capital.Ticker ReportKingstone Companies (NASDAQ:KINS) vs. PICC Property and Casualty (OTCMKTS:PPCCY) Head-To-Head ReviewKingstone Companies and PICC Property and Casualty are compared across financial metrics including dividends, profitability, and valuation. Kingstone Companies demonstrates higher revenue and earnings with a lower price-to-earnings ratio relative to its earnings power, while PICC Property and Casualty offers a significantly higher dividend yield. The analysis concludes that Kingstone Companies outperforms PICC Property and Casualty on the majority of the nine evaluated financial factors.The Motley FoolKingstone (KINS) Q2 2026 Earnings Call TranscriptKingstone Companies, Inc. reported a record net income of $15.5 million for Q2 2026, marking the most profitable quarter in the company's history. The growth was supported by an 18.7% increase in direct premiums written and improved underwriting profitability, with a 50.8% annualized return on equity. The company is preparing to further diversify by entering the California and Connecticut markets, despite signs of an increasingly competitive environment.Markets DailyKingstone Companies (NASDAQ:KINS) Announces Earnings ResultsKingstone Companies reported quarterly earnings of $1.04 per share, beating analyst consensus estimates of $0.95 by $0.09, though revenue of $65.85 million missed the consensus estimate of $71.70 million. The company increased its quarterly dividend from $0.05 to $0.06 per share and its Board authorized a stock repurchase program for up to 1 million shares, while also updating FY 2026 guidance to $2.200-2.900 EPS. Despite the EPS beat, Kingstone Companies stock declined 8.5% in trading following the announcement, and the company has a market capitalization of $275.55 million.YahooKingstone Companies Inc (KINS) (Q2 2026) Earnings Call Highlights: Record Net Income and ...Kingstone Companies Inc reported a record net income of $15.5 million and an EPS of $1.05 for Q2 2026, driven by growing premiums, improved expense ratios, and enhanced reinsurance programs. Despite strong quarterly results, the company maintained full-year guidance due to Hurricane season concerns and competitive market conditions. The company also highlighted increased competition in California and New York, affecting its growth prospects.