Kingstone Companies
- Company typePublic
- Founded1886
- HeadquartersKingston, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
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
LocationHeadquarters
- 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
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Homeowners insurance — Select product (proprietary risk-reflective pricing) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
Kingstone Companies product offering
Product offeringCore 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 profileSegments3 records
Ideal customer profiles3 records
Kingstone Companies technology and API
TechnologyTechnology 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 signalPartnerships
Two partnerships are on record, tiered core and supporting.
- ZestyAIcoreKingstone 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.
- SnapsheetsupportingKingstone 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 assessmentEmerging 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 presenceKingstone Companies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kingstone Companies leadership team
Management profileNumber of profiles
Profiles14 records
Kingstone Companies subsidiaries and ownership
Company hierarchySubsidiaries3 records
Kingstone Companies funding detail
Funding detailFunding 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 investmentM&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.