Kingstone Insurance is a regional property and casualty insurer focused on homeowners and auto coverage
Kingstone Insurance is a company that sells homeowners insurance, auto insurance, and umbrella policies primarily in the Northeast and Mid-Atlantic regions of the United States. The company operates as a regional carrier, meaning it does not serve all states — you can only buy from Kingstone if you live in one of the states where they are licensed. Unlike national insurers that advertise heavily on television, Kingstone focuses on direct sales through its website and phone line.
The company has been in business since 1998 and is owned by Homeowners Choice, Inc., a larger insurance holding company. Kingstone sets its own rates and underwriting rules within each state where it operates, so the cost and coverage options you see depend on your location and the specific state's insurance regulations.
Key Takeaways
- Kingstone Insurance operates only in certain states in the Northeast and Mid-Atlantic, so you must first check whether the company serves your address.
- The company offers homeowners insurance, auto insurance, and umbrella policies, with rates and coverage options that vary by state.
- You can get a quote directly through Kingstone's website or by calling their phone line without speaking to an agent.
- Like all insurance companies, Kingstone must be licensed by your state's insurance department, which oversees complaints and rate changes.
- Choosing an insurer involves comparing quotes from multiple companies, not just Kingstone, to find the coverage and price that fits your situation.
Which states does Kingstone serve
Kingstone operates in a limited number of states. As of the most recent information, the company is licensed in New York, New Jersey, Connecticut, Pennsylvania, and Delaware. However, the states where Kingstone writes new business can change, and availability within a state may be limited to certain counties or zip codes.
Before spending time getting a quote, visit Kingstone's website or call their customer service line to confirm they serve your specific address. Many regional insurers restrict coverage in certain areas due to risk factors, population density, or state regulations, so living in a state where Kingstone operates does not may provide you can buy from them.
Types of coverage Kingstone offers
Homeowners insurance through Kingstone covers the structure of your home, your personal belongings inside it, liability if someone is injured on your property, and additional living expenses if you cannot stay in your home due to a covered loss. The specific coverage limits, deductibles, and optional add-ons vary by state and by the policy form Kingstone uses in your area.
Auto insurance includes liability coverage (which pays for damage you cause to others), collision and comprehensive coverage (which pays for damage to your own vehicle), and uninsured or underinsured motorist coverage (which protects you if hit by someone without adequate insurance). Kingstone also offers discounts for things like bundling home and auto policies, maintaining a clean driving record, or completing a defensive driving course.
Umbrella insurance is an optional policy that provides extra liability coverage beyond the limits of your homeowners or auto policy. It is useful if you own significant assets or are concerned about being sued for more than your standard policy covers. Umbrella policies typically start at $1 million in coverage and cost less per year than you might expect because they sit on top of your existing policies.
How to get a quote from Kingstone
You can request a quote through Kingstone's website by entering your address, property details, and driving history. The online process is designed to be straightforward — you do not need to schedule an appointment or speak to an agent unless you choose to. After you submit your information, Kingstone will generate a quote that shows the premium for different coverage levels and deductibles.
If you prefer to speak with someone, you can call Kingstone's customer service line. A representative can answer questions about coverage options, explain what different deductibles mean, and help you understand how bundling policies might lower your overall cost. Keep in mind that Kingstone quotes are only one data point — comparing quotes from at least two or three other insurers in your state gives you a clearer picture of what coverage costs in your market.
What affects your Kingstone insurance rate
Insurance companies, including Kingstone, use many factors to calculate your premium. For homeowners insurance, these include the age and construction type of your home, the materials used for the roof, your claims history, the distance from a fire station, and whether you have protective devices like smoke detectors or security systems. Some states allow insurers to consider your credit score as well.
For auto insurance, Kingstone looks at your driving record, the type of vehicle you drive, how far you commute, your age, and whether you have had previous insurance lapses. Bundling your homeowners and auto policies with Kingstone often results in a discount on both policies. You may also receive discounts for things like paying your premium in full upfront rather than monthly, or for completing a defensive driving course.
Rates are not fixed — Kingstone adjusts its rates periodically based on claims experience, inflation, and other market factors. Your rate may increase at renewal even if you have not had any claims, because the company has changed its overall pricing. You have the right to shop around at renewal time and switch to a different insurer if another company offers better value.
How Kingstone compares to other insurers
Kingstone is smaller than national carriers like State Farm, Allstate, or Geico, which means it has less brand recognition and fewer local agents. However, being regional can be an advantage if you live in one of the states where Kingstone operates — the company may have better rates or more tailored coverage options for that region's specific risks.
The best way to compare is to get quotes from Kingstone and from at least two national or regional competitors in your state. Look at the same coverage levels and deductibles across all quotes so you are comparing apples to apples. Pay attention not just to price but also to the company's customer service reputation, how they handle claims, and whether they offer the specific discounts or coverage options you need.
Filing a claim with Kingstone
If you experience a loss covered by your Kingstone policy — such as a break-in, fire, or car accident — you will need to report it to Kingstone as soon as possible. Most insurers, including Kingstone, allow you to file a claim online, by phone, or through a mobile app. When you file, have your policy number ready and be prepared to describe what happened, when it happened, and what was damaged or lost.
After you file, Kingstone will assign a claims adjuster to your case. The adjuster may contact you to gather more information, request photos or documentation, or schedule an inspection of the damage. The time it takes to resolve a claim varies depending on the complexity of the loss and how quickly you provide the information Kingstone requests. You can ask Kingstone about their typical claims timeline and what to expect at each step.
Frequently Asked Questions
Is Kingstone Insurance available in my state?
Kingstone operates in New York, New Jersey, Connecticut, Pennsylvania, and Delaware, though availability may be limited to certain counties or zip codes within those states. The best way to find out is to enter your address on Kingstone's website or call their customer service line. They can tell you when ready whether they can serve your location.
How do I know if Kingstone is licensed and regulated?
Kingstone is licensed by the insurance department in each state where it operates. You can verify the company's license status by visiting your state's insurance department website and searching for Kingstone Insurance. The state department also handles consumer complaints and oversees rate changes, so there is a regulatory body overseeing the company's practices.
Can I bundle homeowners and auto insurance with Kingstone?
Yes, Kingstone offers discounts when you buy both homeowners and auto policies from them. The discount amount varies by state and by your specific situation. When you get a quote, ask Kingstone to show you the bundled price so you can see how much you save compared to buying each policy separately.
What should I do if I am unhappy with my Kingstone policy or rate?
You have the right to shop around and switch to a different insurer at any time. When your policy renews, compare quotes from other companies before deciding whether to renew with Kingstone. If you have a complaint about how Kingstone handled your policy or claim, you can file a complaint with your state's insurance department, which will investigate on your behalf.
Does Kingstone offer discounts?
Kingstone offers several discounts, including bundling home and auto policies, paying your premium in full upfront, maintaining a clean driving record, and completing a defensive driving course. Some discounts vary by state. When you get a quote, ask Kingstone which discounts you may be may be able to access for and how much each one saves you.