Kingstone Insurance Company Review

Kingstone Insurance Company at a Glance

  • Founded in 1886
  • Offers a variety of insurance products
  • Offers personal and business coverage
  • Coverage available in five states
  • “B++” (good) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Online claims reporting
  • Online bill pay
  • Discounts available

Kingstone pros: More than 130 years’ worth of experience in the insurance industry. Good rating through A.M. Best and an excellent rating through the BBB. Offers several coverage options for individuals, including landlord insurance, umbrella insurance, etc., and one option for businesses. Offers online claims reporting and bill pay. Discounts available.

Kingstone cons: Coverage not available nationwide. Official website does not provide a claims FAQ.

What Types of Insurance Does Kingstone Offer?

Kingstone offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Homeowners insurance
  • Landlord insurance
  • Condo and co-op insurance
  • Personal umbrella insurance
  • Canine liability insurance
  • For hire physical damage liability insurance

Your independent insurance agent can help you decide if Kingstone has the right type of coverage to best meet your needs.

What to Know about Kingstone

Kingstone Insurance Company was founded in 1886, giving the carrier more than 130 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 offers coverage in the New England area, specifically the states of New York, New Jersey, Rhode Island, Connecticut, and Massachusetts. There are 70 employees found on the carrier’s LinkedIn network. In terms of financial size, A.M. Best places the insurance company in the $50-$100 million category.

Thanks to its impressive long-standing history and catalog of coverages offered for individuals and businesses, Kingstone has become known as a financially sound insurance company with a good outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Kingstone a “B++” rating, indicating the carrier is a good choice for insurance customers. High ratings from A.M. Best assure customers that Kingstone is capable of offering guaranteed, secure coverage from a reputable insurance carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term and also to remain a strong, financially sound insurance company in the long term.

What Discounts Does Kingstone Offer?

Kingstone offers several discounts on their 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 itself. 
  • New home purchase discount: Offered to homeowners insurance customers who purchase homes that are newly constructed. 

An independent insurance agent can help you find more information about further discounts and additional ways to save with Kingstone, provide you with quotes, and help answer any other questions you may have.

Kingstone Customer Service

Kingstone allows their customers to file claims online at any time. The carrier also provides the following customer service options:

  • Phone contact option
  • Online claims reporting
  • Online bill pay
  • Snail mail contact option
  • Customer service department has the following hours restrictions:


Hours (EST)


Monday-Friday8 am - 4:30 pm

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.

Kingstone FAQ

What is Kingstone's average claim response time frame?

Kingstone allows customers to file claims at any time through their website. However, the official website does not make a specific claims response time frame promise.

What is Kingstone's customer service availability?

Kingstone’s phone line for customer service issues is available at restricted 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, Twitter, Instagram, and LinkedIn, which makes them more accessible to customers.

What is Kingstone's claims process?

Kingstone 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.

Does Kingstone create a user-friendly experience for customers?

Kingstone’s website is easy to navigate. Pertinent information is easily located and for the most part detailed enough to satisfy customers. The carrier could benefit from adding more details about their claims process or a claims FAQ, however. The insurance company offers online claims reporting and bill pay for its customers. Kingstone also has an active presence on social media, making for a fairly user-friendly experience overall.

Does Kingstone have good canine liability insurance?

Kingstone provides a good selection of coverages for individuals and businesses, including canine liability insurance. Kingstone 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 their many other coverages.

Is Kingstone a good insurance company?

Kingstone has been around for more than 130 years now. The insurance company is highly rated by the BBB and accredited through the organization, and has a good rating through A.M. Best. Further, Kingstone provides a good selection of coverage options for individuals and a unique form of coverage for businesses. Overall, Kingstone can indeed be considered a good insurance company.

Kingstone Customer Reviews

Clearsurance
“Have not had any issues with them, the rate was much better than compatible companies. Renewal process very easy."
Google
“Excellent... no, outstanding customer service, especially in the wake of a global pandemic. If you are thinking about becoming a Kingstone customer, I will say that my experience has been wonderful. Go for it.”
Google
“My conversation was simple and not lengthy but very satisfactory.”
Google
“My experience speaking to a representative of your company was excellent, she was a professional,  courteous and allay my fears when answering my questions, in a conducive voice, a pleasant person to talk with.”
Google
“Excellent little-known gem of a company. Very professional and responsive to customer needs. That is rare for an insurance company. Truly a pleasure to do business with them.”

TrustedChoice.com's Final Review

We award Kingstone Insurance Company a final rating of 4.55 out of 5 stars. To begin with, Kingstone 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 for individuals and one option for businesses, including homeowners insurance, canine liability coverage, personal umbrella insurance, and more. Kingstone has an excellent rating through the BBB and a good rating through A.M. Best. The insurance company provides online claims reporting and customer service options such as bill pay. 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 their 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.

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