Kingstone Insurance: The Trusted Choice for Homeowners

Founded in 1886, Kingstone Insurance provides insurance coverage to New York, New Jersey, Rhode Island, Connecticut, and Massachusetts residents. You can customize a homeowners policy from Kingstone Insurance with multiple coverage options like Personal Cyber Coverage or Equipment Breakdown. Kingstone has a B rating from A.M. Best and an A+ rating from the Better Business Bureau.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 25, 2022

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The Highlights

  • Kingstone Insurance only provides insurance coverage to five states
  • You can file a claim by calling the claims number or using the online claims system
  • You can pay for your Kingstone Insurance policy online

Finding the right home insurance company to protect your home is easier than ever with today’s technology and free insurance buying guides like this Kingstone Insurance review. Kingstone originally offered insurance to New York residents alone, but now, even more homeowners can take advantage of this company’s extensive coverage options.

These coverage options can tailor your home insurance policy to fit your exact needs so you don’t have to force yourself into a one-size-fits-all policy.

Having an insurance policy that not only meets your budgetary but coverage needs as well is vital to keeping your home and yourself protected from whatever may come your way. Keep reading to learn more about Kingstone Insurance, the types of coverage it offers, and how to keep your home insurance rates low.

As you read about King Insurance, you can enter your ZIP code to get free home insurance quotes right away.

Who is Kingstone Insurance?

Founded over 125 years ago, Kingstone Insurance provides a multitude of insurance products. Not only does it offer canine liability insurance, but you can also apply for a personal umbrella policy, a landlord policy, or even for-hire physical damage liability insurance, which provides coverage for any damage to a vehicle you rent.

The Kingstone Insurance head office is located in Kingston, New York, but this company has grown and now provides insurance to five other states. If you live in any of the states listed here, you can purchase insurance through Kingstone:

  • New York
  • New Jersey
  • Rhode Island
  • Connecticut
  • Massachusetts

It’s important to note that while this company was founded in 1886, it has not fallen behind the times. On its website, there is a Kingstone Insurance Company agent login as well as a Kingstone Insurance login for clients so you can make your payments online and never worry about falling behind on your payment schedule.

If you should ever need to file a claim with this company, the Kingstone Insurance claims phone number is 1-855-394-0704. You can even file a claim directly from the Kingstone website.

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Is Kingstone Insurance highly rated?

Kingstone has earned a B rating from A.M. Best. While this is not the best rating possible, it does demonstrate that Kingstone Insurance is a financially sound company. In addition, Kingstone Insurance is an accredited Better Business Bureau (BBB) company and earned an A+ rating. This is a great sign that you can expect excellent customer service whenever you need to reach out to Kingstone Insurance representatives if you have any policy questions or concerns.

What coverages does Kingstone Insurance provide for homeowners?

Kingstone Insurance offers flexible home insurance policies that can provide coverage for single-family homes, four-family homes, or even co-ops. You can purchase condo insurance through this company as well. While you’ll be able to obtain standard home insurance coverages that will provide protection for the structure of your home and your personal belongings, Kingstone also offers great optional coverages and enhancements.

With a Kingstone home insurance policy, you’ll be able to purchase Personal Cyber Coverage, Identity Fraud Coverage, and Equipment Breakdown. If you want to get the most coverage for your home and yourself as possible, Kingstone Insurance may be the best choice for you as it also can provide you with up to $1 million in liability coverage and as much as $2 million in building coverage.

Does Kingstone Insurance offer competitive rates?

Kingstone Insurance doesn’t provide sample rates online. However, the company does advertise discounts that could be available to qualifying clients. These discounts include:

  • Alarm Discount
  • Renovation Discount
  • Multi-Policy Discount
  • Auto Policy Discount
  • New Home Purchase Discount
Utilizing discounts can keep your rates low, but you can also work to reduce your rates by maintaining a good credit score and reducing the number of claims you file per year.

Here’s another good tip to save money on your home insurance: Shop around online to compare home insurance. If you request free quotes from at least three different insurance companies, you’ll be able to compare the quotes and discover which company can provide you with the most coverage at the cheapest rate.

While sample Kingstone rates may not be available for public viewing, you can use the average rates for home insurance in your state below to help you estimate how much you may pay for insurance:

Average Annual Home Insurance Rates by State
StatesAverage Annual Home Insurance Rates
Alabama$1,624
Alaska$1,291
Arizona$1,355
Arkansas$2,142
California$1,224
Colorado$1,899
Connecticut$1,184
Delaware$882
Florida$1,353
Georgia$1,713
Hawaii $501
Idaho$1,051
Illinois$1,322
Indiana$1,587
Iowa$1,502
Kansas$2212
Louisiana$1,813
Maine$956
Maryland$1,124
Massachusetts$1,307
Michigan$1,120
Minnesota$1,952
Mississippi$1,773
Missouri$2,251
Montana$1,770
Nebraska$2,816
Nevada$1,047
New Hampshire$839
New Jersey$751
New Mexico $1,408
New York$1,840
North Carolina$1,166
North Dakota$1,323
Ohio$1,164
Oklahoma$3,482
Oregon$756
Pennsylvania$758
Rhode Island$1,193
South Carolina$1,142
South Dakota$1,958
Tennessee$1,625
Texas$2,207
Utah$647
Vermont$686
Virginia$1,013
Washington$863
West Virginia$1,124
Wisconsin$986
Wyoming$1,263
National Average$1,393
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Remember that your rate may look different from your state’s average. This is because insurance companies use a system known as the underwriting process to determine how much of a risk you pose to the company.

When you apply for quotes online you’ll need to share your home’s constructions details as well as information about yourself like your age and occupation. If you are determined to be a relatively low risk, your rates could be lower than average. Of course, if you’ve filed a lot of claims in recent years and own a house that would cost a lot to rebuild, your insurance quote could be quite high.

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What You Need to Know About Kingstone Insurance

While it was founded over 125 years ago, this company can still get you great coverage and allows you to make use of modern conveniences. For example, you can make a Kingstone Insurance payment or file a claim online. You can also customize your policy to fit your exact coverage needs.

The company has good ratings from A.M. Best and the BBB, making it a solid choice for any homeowner. As the saying goes, it’s better to be safe than sorry, and Kingstone Insurance has the coverage that can keep your home safe.

Now, if you live outside of Kingstone Insurance’s coverage areas, you can shop online to find an insurance company that can get you the coverage you need.

You can feel confident to start shopping for home insurance now that you’ve finished this Kingstone Insurance review. Enter your ZIP code to start comparing free insurance quotes from insurance companies near you today.

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