Kingstone Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Kingstone Insurance Company Score
4.5 Stars
We award Kingstone Insurance Company a final rating of 4.5 out of 5 stars. Kingstone Insurance has been in the insurance industry for more than a century and a quarter, which is certainly impressive. Though coverage is only offered in a handful of states, the carrier provides several coverage solutions, including homeowners insurance, canine liability coverage, personal umbrella insurance, and more. Kingstone Insurance has an excellent rating through the Better Business Bureau (BBB) and a fair rating through AM Best. The insurance company provides online claims reporting and customer service options such as bill pay.
Kingstone Insurance Company was founded in 1886, giving the carrier nearly 140 years’ worth of experience in the insurance industry. The insurance company offers several forms of coverage for individuals, including homeowners insurance, landlord insurance, personal umbrella insurance, and more. The carrier also offers one specific coverage type for businesses, a for-hire physical damage liability-only policy. The insurance company is headquartered in Kingston, NY.
Today, Kingstone Insurance offers coverage in the New England area, specifically the states of New York, New Jersey, Rhode Island, Connecticut, and Massachusetts. Kingstone Insurance is known for offering some of the most affordable rates on home insurance, including for customers with poor credit and prior claims. There are also a handful of discounts offered by the carrier.
Many customer reviews report great experiences with their coverage and interactions with the Kingstone team. So, all in all, we say that if you’re in need of any of its insurance products and live in an area where coverage is available, go ahead and look into Kingstone Insurance Company with your independent insurance agent to be your next trusted carrier.
Kingstone Insurance Company Pros and Cons:
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Kingstone Insurance Products by Type
Kingstone Insurance Company offers a variety of coverage solutions for individuals and businesses. Coverage availability varies by state, but its products include:
Home & Property Insurance:
- Personal umbrella insurance
- Canine liability insurance
- For-hire physical damage liability insurance
Kingstone Insurance Company Homeowners Insurance
Kingstone Insurance offers homeowners insurance for standard homeowners, as well as for owners of coastal homes, high-value homes, and seasonal and secondary homes. The carrier offers many policy enhancement options, including equipment breakdown, enhanced home-sharing, inland flood coverage, identity fraud coverage, personal cyber protection, service line coverage, scheduled personal property, and water backup coverage. Customers can also increase their personal liability coverage to up to $1 million with an umbrella policy.
Kingstone Insurance Company Homeowners Insurance Average Prices
The cost of a Kingstone Insurance Company homeowners policy varies by location, but the carrier has some of the cheapest rates of all home insurance companies in Albany, NY.
| Insurance Company | Average Annual Home Insurance Premium |
|---|---|
| NYCM Insurance | $702 |
| National General | $729 |
| Kingstone Insurance | $865 |
| Travelers | $923 |
| Nationwide | $955 |
We also found Kingstone Insurance to be one of the most affordable carriers for homeowners in Albany, NY with poor credit, older homes, and a history of claims.
What Discounts Does Kingstone Insurance Company Offer?
Kingstone Insurance offers several discounts on its coverages. These discounts include:
- Alarm discount: Offered to homeowners insurance customers who have burglar alarms or other security systems installed.
- Renovation discount: Offered to homeowners insurance customers whose homes have been recently updated.
- Multi-policy discount: Offered to customers who purchase more than one type of coverage through Kingstone.
- Auto policy discount: Offered to customers who have their auto policy handled by a Kingstone broker, even though the insurance company does not write auto policies themselves.
- New home purchase discount: Offered to homeowners insurance customers who purchase homes that are newly constructed.
An independent insurance agent can provide better discount information and premium quotes for coverage through Kingstone Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Kingstone Insurance Company Customer Service
Kingstone Insurance allows its customers to file claims online at any time. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Contact form on website
- Online claims reporting
- Online bill pay
Customer service phone department has the following hours restrictions:
| Days | Hours (EST) | ||
| Monday, Wednesday, and Friday | 8 a.m. - 4:30 p.m. | ||
| Tuesday and Thursday | 8 a.m. - 6 p.m. |
The best way to handle your customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier for you by handling claims and other concerns.
Connect with a Kingstone Agent Today.
Shopping for insurance? Kingstone has you covered.
Kingstone Insurance Company FAQs
Kingstone Insurance allows customers to file claims at any time through the website. However, the official website does not make a specific claims response timeframe promise.
Kingstone Insurance’s phone line for customer service issues is available at generous hours, Monday-Friday. The insurance company allows customers to file claims online, over the phone, or through snail mail. The carrier also has a comprehensive social media presence on Facebook, X, Instagram, and LinkedIn, which makes it even more accessible to customers.
Kingstone Insurance allows customers to file claims through a couple of different mediums. The official website, however, does not detail the carrier’s specific claims process. If customers have questions about the claims process or need help filing a claim, they can contact their independent insurance agent or call the carrier directly.
Kingstone Insurance's website is easy to navigate. Pertinent information is easily located and detailed enough to satisfy customers. The carrier could benefit from adding more details about its claims process or a claims FAQ, however. The insurance company offers online claims reporting and bill pay for its customers. Kingstone Insurance also has an active presence on social media, making for a fairly user-friendly experience overall.
Kingstone Insurance provides a good selection of coverages for individuals and businesses, including canine liability insurance. Kingstone Insurance developed a canine liability policy to bridge the gap in coverage created by most homeowners policies. The carrier’s canine liability insurance covers the following:
- Bodily injury
- Property damage
- Medical payments
- Up to two dogs per household
- $100,000 or $250,000 worth of liability coverage
Your independent insurance agent can help you find even more information about Kingstone’s canine liability insurance as well as its many other coverages.
Kingstone Insurance has been around for nearly 140 years. The insurance company is highly rated by the BBB and accredited through the organization. It also has a fair rating by AM Best. Further, Kingstone Insurance provides a good selection of coverage options for individuals and a unique form of coverage for businesses. Overall, Kingstone Insurance can indeed be considered a good insurance company.
Kingstone Insurance's products may be right for individuals seeking various types of home or property insurance. Coverage is available in NY, CT, NJ, RI, and MA.
https://kingstoneinsurance.com/
https://news.ambest.com/PR/PressContent.aspx?refnum=33526&altsrc=40
https://www.bbb.org/us/ny/kingston/profile/insurance-companies/kingstone-insurance-company-0121-138353
https://www.policygenius.com/homeowners-insurance/new-york/albany/