Kingstone Homeowners Insurance Review & Ratings (2024)
With over a century of industry experience, Kingstone Insurance is a reputable choice for homeowners, providing flexible and customizable policies for personal and business needs. The company's commitment to financial stability is reflected in its "B" A.M. Best rating, ensuring reliable coverage tailored to individual requirements.
Read moreKristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Kingstone Homeowners Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Competitive rates
- Diverse coverage options
- Excellent customer service
- Quick claims processing
- Robust discounts for policy bundling
Cons
- Limited geographical coverage
- Some policy options may be costly
- Fewer online tools and resources compared to competitors
- Strict eligibility criteria for certain discounts
- Limited availability of additional perks and benefits
Kingstone Insurance is a reputable insurance company with over a century of experience in the insurance industry. The company values its customers and prides itself in offering customizable insurance policies.
Whether you are looking for business or personal insurance policies, Kingstone Insurance has plenty of options for you. For example, Kingstone business insurance includes landlord insurance. At the same time, the company’s personal insurance has umbrella, homeowners, and more.
Kingstone Insurance has a “B” A.M. Best rating, and homeowners insurance rates are expected to be around $1,309 a year or $109 a month, or $101 a month or $1,211 a year.
We highly recommend discussing your homeowners insurance options with an insurance agent before deciding on a policy. That conversation will help you weed out any insurance coverages you don’t need.
Not yet ready to buy Kingstone Insurance? Enter your ZIP code into our free online tool for instant homeowners insurance quotes from companies near you today.
What You Should Know About Kingstone Homeowners Insurance
Welcome to our comprehensive guide on Kingstone Homeowners Insurance. As a homeowner, you understand the importance of protecting your property and cherished belongings. That’s where Kingstone Insurance comes in, providing reliable and comprehensive coverage to give you peace of mind.
- Kingstone Insurance offers a variety of insurance policies apart from homeowners insurance
- Almost all of Kingstone’s insurance policies are customizable
- New York customers can expect to pay around $109 a month for Kingstone homeowners insurance
We will delve into the key topics surrounding Kingstone Homeowners Insurance, ensuring you have all the information you need to make an informed decision. We’ll start by exploring the range of coverage options available with Kingstone Insurance.
Whether you’re a first-time homeowner or a seasoned homeowner looking to switch providers, Kingstone offers tailored policies to meet your specific needs.
From protecting your physical dwelling, including structures like garages and sheds, to safeguarding your personal belongings such as furniture, electronics, and valuable possessions, Kingstone’s coverage is designed to provide comprehensive protection.
Don’t wait any longer to protect your home and belongings—enter your zip code now and take the first step towards securing the reliable coverage offered by Kingstone Homeowners Insurance.
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What is Kingstone Insurance?
Kingstone Insurance is an insurance company with over a century of experience in the industry. Originally founded to provide insurance to New York citizens, Kingstone Insurance has grown to cover eight states and is currently writing in five.
Take a look at the following table for quick stats and information about Kingstone Insurance Company.
Kingstone Insurance Company Quick Stats
| Key Info | Company Specifics | Source |
|---|---|---|
| Year Founded | 1886 | Company website |
| Address | 15 Joys Lane Kingston NY 12401 | Company website |
| Website | https://www.kingstoneinsurance.com/ | N/A |
| Phone # | 1-800-364-7045 | Company website |
| Executives | Barry Goldstein, Chairman | Company website |
It is also important to note that Kingstone Insurance has a couple of phone numbers by which customers can reach the company with questions or concerns. In addition to the general phone number listed above, Kingstone Insurance has the following:
- Kingstone Insurance Claims: 1-855-394-0704
You may also choose to reach Kingstone customer service via mailing or e-mail address.
Kingstone Homeowners Insurance Coverage Options
Kingstone Insurance offers a wide variety of insurance products for individuals and businesses alike. Because it has so many options to choose from, Kingstone could provide coverage for all of your insurance needs.
Kingstone Insurance offers the following personal insurance policies:
- Umbrella
- Homeowners
- Condominium and Co-op
- Canine Liability (pet insurance)
- For Hire Physical Damage Only (auto)
As far as business insurance policies, Kingstone only promotes insurance for landlords on its website. It is also important to note that Kingstone Insurance only advertises its insurance policies for customers in New York. For customers looking for insurance in states other than New York, Kingstone does not list any policies.
You may be able to find more information about policies using your Kingstone Insurance login. You can also make a Kingstone Insurance payment or file a Kingstone Insurance claim through this.
Kingstone Insurance understands that every customer and home is different and, for this reason, takes pride in having flexible homeowners insurance policies. Some of the facets of Kingstone homeowners insurance include:
- Single-family and multi-family homes
- Co-ops
- Condos
- Four-family homes
Specifically, Kingstone specializes in covering coastal and high-valued homes and offers ample discounts and additional coverages to make homeowners insurance applicable to every customer.
There are quite a few extra options and coverages to choose from when purchasing a homeowners insurance policy with Kingstone Insurance. Some of the company’s homeowners insurance coverages and enhancements include:
- Flood Coverage
- Service Line Coverage
- Identity Fraud Coverage
- Home Systems Protection
- Flexible Coverage Options
- Back-up to Sewer and Drains
- Building Coverage up to $2 million
- Liability Coverage up to $1 million
Regardless of which type of homeowners insurance you need, Kingstone Insurance has plenty of options for you. Especially for New York residents, purchasing a homeowners insurance policy with Kingstone guarantees an agent that understands what coverages you will need for your home.
Before deciding on a Kingstone homeowners insurance policy, be sure to research your options and discuss your needs with an insurance agent. An agent will guide you in the right direction and keep you from overspending on homeowners insurance.
You can start your search using an online quote tool to find homeowners insurance rates by ZIP code. This will give you a good launch point for the rest of your search.
Kingstone Homeowners Insurance Rates Breakdown
Understanding the factors that influence homeowners insurance costs is crucial for making informed decisions about your coverage. Kingstone Homeowners Insurance takes various factors into account to determine premiums, ensuring a fair and personalized approach to each policyholder. Here are the key factors that can impact the insurance cost:
- Location: The geographic area of your home, including proximity to potential risks like coastal regions, impacts insurance rates.
- Home Characteristics: Factors such as the age of the home, construction materials, and the presence of safety features influence costs.
- Coverage Limits: Higher coverage limits and additional endorsements may result in increased premiums.
- Home Security: Installing security systems and protective devices can qualify for discounts, but the absence may lead to higher costs.
- Claims History: A history of frequent claims may result in higher premiums, reflecting a higher perceived risk.
- Credit Score: In some regions, credit scores can influence insurance rates, with better scores potentially leading to lower premiums.
- Deductible Amount: Choosing a higher deductible can lower premiums, but it’s essential to consider your financial capacity in the event of a claim.
Kingstone Homeowners Insurance is dedicated to transparency and ensuring that our policyholders understand the factors influencing their insurance costs. By considering these elements, we strive to provide personalized coverage that aligns with your needs and budget.
Reach out to our experienced professionals to discuss these factors in detail and tailor a policy that strikes the right balance between comprehensive protection and affordability.
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Kingstone Homeowners Insurance Discounts Available
Kingstone Homeowners Insurance understands the importance of providing affordable coverage without compromising on quality. To ensure our customers enjoy the best value, we offer a range of discounts tailored to meet various needs. These discounts can significantly reduce your premiums while maintaining the comprehensive protection your home deserves.
- Multi-Policy Discount: Save when you bundle your homeowners insurance with other policies, such as auto insurance.
- Home Security System Discount: Enjoy reduced rates for having a monitored security system in place, enhancing the safety of your home.
- Claims-Free Discount: If you have a claims-free history, you may qualify for a discount as a reward for maintaining a secure and incident-free home.
- Protective Device Discount: Installing protective devices like smoke detectors and fire alarms may make you eligible for additional savings.
- New Homebuyer Discount: Save on your premiums if you’ve recently purchased a new home, reflecting the lower risk associated with newer properties.
- Renovation Discount: Upgrades to your home’s systems or structures may qualify you for a discount, showcasing the commitment to maintaining a well-maintained property.
- Age of Home Discount: Older homes, well-maintained and updated, may receive a discount to reflect the care put into preserving the property.
Kingstone Homeowners Insurance is committed to providing not only excellent coverage but also ensuring that our customers benefit from cost-effective solutions. Explore these discounts and speak with our dedicated professionals to tailor a policy that not only suits your unique needs but also fits your budget.
Kingstone Homeowners Insurance Effortless Claims Process
Ease of Filing a Claim
When it comes to filing a claim with Kingstone Homeowners Insurance, policyholders have several convenient options at their disposal.
You can file a claim online through their user-friendly website, over the phone by speaking with a knowledgeable customer service representative, or even through their mobile app, which provides a streamlined and efficient way to report a claim. Kingstone’s commitment to customer convenience ensures that you can choose the method that suits you best.
Average Claim Processing Time
The speed at which an insurance company processes claims is a crucial factor for policyholders. Kingstone Homeowners Insurance prides itself on its efficient claim processing.
While specific processing times may vary depending on the complexity of the claim, Kingstone strives to handle claims swiftly to provide policyholders with prompt assistance during challenging times. The company’s commitment to a speedy resolution can help alleviate the stress associated with filing a claim.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance. Kingstone Homeowners Insurance has garnered positive reviews for its claim resolutions and payouts. Policyholders have reported satisfaction with the fairness and timeliness of the claims process. Reading and considering customer feedback can provide valuable insights into the company’s track record in handling claims.
Unveiling Cutting-Edge Digital and Technological Features by Kingstone Homeowners Insurance
Mobile App Features and Functionality
Kingstone Homeowners Insurance offers a feature-rich mobile app that empowers policyholders with convenient access to their insurance information. The app allows you to view and manage your policy, make payments, and, importantly, file claims with ease. Its user-friendly interface and robust functionality make it a valuable tool for policyholders on the go.
Online Account Management Capabilities
In addition to their mobile app, Kingstone Homeowners Insurance provides a comprehensive online account management platform. Policyholders can log in to their accounts through the company’s website to access policy documents, make updates to their coverage, and review billing information. The online account management system is designed for maximum convenience and accessibility.
Digital Tools and Resources
Kingstone Homeowners Insurance recognizes the importance of offering digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources may include educational articles, calculators, and FAQs that can help you navigate the complexities of homeowners insurance.
By providing such digital tools, Kingstone aims to empower its customers with knowledge and support.
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Kingstone Insurance: Customizable Policies, Robust Customer Service, and Financial Stability
- Kingstone insurance is a reputable provider with a broad range of customizable policies.
- When looking at Kingstone insurance company reviews, customers often highlight the ease of accessing their accounts through the Kingstone agent login.
- The company’s stability is underscored by its Kingstone A.M Best rating, which assures clients of its financial reliability.
- Those interested in Kingstone home insurance will find various options tailored to personal needs.
- For agents, the Kingstone insurance agent login is a crucial tool for managing client accounts efficiently.
- The Kingstone insurance A.M Best rating further supports the company’s commitment to trustworthiness.
- Contacting them is straightforward with the Kingstone insurance company phone number readily available for queries.
- Customer satisfaction is a priority, as reflected in the Kingstone insurance company rating and the quality of Kingstone insurance customer service.
- Although based in New York, Kingstone insurance NY extends its services effectively.
- Convenience in payments is enhanced with options like Kingstone insurance pay online and Kingstone insurance quick pay.
- Overall, the Kingstone insurance rating indicates strong performance in the industry, comparable to the best homeowners insurance ratings.
- Prospective clients should consider home insurance company ratings and read through homeowners insurance Kingstone and homeowners insurance Massachusetts reviews to ensure they make an informed choice.
When evaluating homeowners insurance options, it’s crucial to consider homeowners insurance company ratings and homeowners insurance company reviews to make an informed decision. Kingstone Insurance, a reputable provider, offers comprehensive coverage and excellent service through its Kingstone Insurance agencies. As a subsidiary of the Kingstone Mutual Insurance Company, it boasts a long-standing reputation for financial stability and customer satisfaction.
How Kingstone Homeowners Insurance Ranks Among Providers
Kingstone Homeowners Insurance competes in a dynamic market, and understanding the landscape helps customers make informed choices. Here are some notable competitors in the homeowners insurance sector:
- State Farm: A well-established provider with a vast network, offering a range of insurance products, including homeowners coverage.
- Allstate: Known for its comprehensive coverage options, Allstate is a major player in the insurance industry, providing tailored solutions for homeowners.
- Geico: While renowned for auto insurance, Geico also offers homeowners coverage with competitive rates and bundling options.
- Progressive: Recognized for innovation, Progressive extends its services to homeowners insurance, emphasizing ease of use and customized policies.
- Liberty Mutual: With a global presence, Liberty Mutual provides homeowners insurance with a focus on personalized coverage and risk management.
- Farmers Insurance: Offering diverse coverage options, Farmers is a prominent choice for homeowners seeking flexible and customizable policies.
Kingstone Homeowners Insurance acknowledges the diversity of options available to consumers in the insurance market. Each competitor brings unique strengths, and we encourage you to explore and compare offerings to make the best decision for your home’s protection.
Unfortunately, homeowners insurance rates for Kingstone Insurance are not available online. However, you can expect to pay around the average homeowners insurance rates in New York, $1,309 a year or $109 a month, or in the United States, $1,211 a year or $101 a month.
From the insurance industry’s leading rating organization, A.M. Best, Kingstone Insurance holds a “B” (Good) Financial Strength Rating and a “bbb-” (Fair) Issuer Credit Rating. Both good scores reflect Kingstone’s financial stability and overall dependability as an insurance company.
When you choose a homeowners insurance policy with Kingstone Insurance, you will likely be satisfied with the company’s policies and customer service.
However, it is always good to look into Kingstone Insurance reviews and talk with your insurance agent before buying an insurance policy. Your agent will help you find the best insurance policy or policies for your specific needs and the best insurance companies for you.
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Frequently Asked Questions
What is Kingstone Homeowners Insurance?
Kingstone Homeowners Insurance is an insurance product offered by Kingstone Insurance. It provides coverage for damages to your home, personal property, and liability protection in case someone gets injured on your property.
What types of personal insurance policies does Kingstone Insurance offer?
Kingstone Insurance offers personal insurance policies for homeowners, renters, and condo owners.
Does Kingstone Insurance offer business insurance policies?
Yes, Kingstone Insurance offers business insurance policies for landlords.
In which states does Kingstone Insurance offer insurance policies?
Kingstone Insurance only advertises its insurance policies for customers in New York.
What are some features of Kingstone homeowners insurance?
Kingstone homeowners insurance is flexible and customizable to meet the needs of different homeowners. They specialize in covering coastal and high-valued homes and offer ample discounts and additional coverages to make homeowners insurance applicable to every customer.
What are some additional coverages offered by Kingstone homeowners insurance?
Kingstone homeowners insurance offers additional coverages such as water backup and sump overflow coverage, replacement cost coverage, identity theft protection, and more.
What are the homeowners insurance rates and ratings for Kingstone Insurance?
Kingstone Insurance rates are not available online, but it is expected to be around $1,309 a year or $109 a month for New York residents. Kingstone Insurance holds a “B” (Good) Financial Strength Rating and a “bbb-” (Fair) Issuer Credit Rating from A.M. Best.
Where can I find Kingstone Insurance reviews?
You can find Kingstone Insurance reviews on various online platforms or talk to your insurance agent for more information.
Is it recommended to discuss your homeowners insurance options with an insurance agent before deciding on a policy?
Yes, it is recommended to discuss your homeowners insurance options with an insurance agent to find the best insurance policy or policies for your specific needs and the best insurance companies for you.
Does US Insurance Agents offer insurance policies?
No, US Insurance Agents is a free online resource for anyone interested in learning more about insurance. They provide a fast and simple way to get and compare insurance rates for multiple lines of insurance.
What is the rating of Kingston insurance company?
Kingstone Insurance Company has a “B” rating from A.M. Best, indicating good financial stability.
Which company is the best for homeowners insurance?
The best company for homeowners insurance can vary depending on individual needs, but some of the top-rated companies include Amica Mutual, State Farm, and USAA.
Which homeowners insurance companies have the highest customer satisfaction?
Companies like Amica Mutual, USAA, and State Farm often have the highest customer satisfaction ratings for homeowners insurance.
What is the highest rating for an insurance company?
The highest rating for an insurance company from A.M. Best is “A++,” indicating superior financial strength.
What are the most claims for home insurance?
The most common claims for home insurance are for wind and hail damage, water damage, and theft.
What is Kingstone?
Kingstone is an insurance company offering a variety of policies, including homeowners and landlord insurance.
How can I find the rating of an insurance company?
You can find the rating of an insurance company by checking reputable rating agencies like A.M. Best, Standard & Poor’s, or Moody’s.
What is the A rating in insurance?
An “A” rating in insurance signifies excellent financial strength and stability.
What is premium rating in insurance?
Premium rating in insurance refers to the calculation of the cost of an insurance policy based on risk factors and coverage details.
What is the most common use of homeowners insurance?
The most common use of homeowners insurance is to cover damage to the home and personal property caused by events like fire, theft, and natural disasters.
What is the best homeowners insurance for seniors?
The best homeowners insurance for seniors often includes discounts for retirees and tailored coverage options; companies like Allstate, State Farm, and The Hartford are frequently recommended.
What homeowners policy offers the least amount of coverage?
A HO-1 policy, or basic form, offers the least amount of coverage, protecting only against a few named perils.
What is the B+ rating?
A “B+” rating from A.M. Best indicates good financial strength but is below the top-tier ratings.
Should I claim on my home insurance?
You should claim on your home insurance if the damage or loss exceeds your deductible and is covered under your policy.
Is a broken TV covered under homeowners insurance?
A broken TV may be covered under homeowners insurance if the damage was caused by a covered peril, such as a fire or theft.
Does home insurance cover a broken door?
Home insurance typically covers a broken door if it was damaged by a covered event like a burglary or a storm.
What is Kingstone known for?
Kingstone is known for providing a range of insurance products, including customizable homeowners and landlord insurance policies.
Where is Kingstone found?
Kingstone Insurance is based in New York and primarily serves customers in that state.
What is the meaning of claims officer?
A claims officer is responsible for processing and evaluating insurance claims to determine the extent of the insurer’s liability.
What is risk rating in insurance?
Risk rating in insurance involves assessing the risk level of a policyholder to determine the appropriate premium for coverage.
What is premium rating in insurance?
Premium rating in insurance refers to the process of setting the price of an insurance policy based on various risk factors and coverage options.
What is the highest AM Best rating?
The highest A.M. Best rating is “A++,” indicating superior financial strength and stability.
Who has the cheapest homeowners insurance?
The cheapest homeowners insurance rates can vary depending on factors such as location, home value, and coverage needs. It’s advisable to compare quotes from multiple insurance companies to find the most affordable option for your specific situation.
What are the top 5 insurance rating agencies?
The top 5 insurance rating agencies include A.M. Best, Standard & Poor’s (S&P), Moody’s Investors Service, Fitch Ratings, and Weiss Ratings. These agencies assess the financial strength and creditworthiness of insurance companies to provide consumers with valuable insights.
Which insurance company is best for claim settlement?
The best insurance company for claim settlement can vary based on individual experiences and preferences. However, companies like Amica Mutual, USAA, and State Farm are often recognized for their efficient and fair claims handling processes.
Who is the best insurance company for home and auto?
Several insurance companies offer bundled home and auto insurance policies, each with its own strengths and advantages. Some top contenders include State Farm, Geico, Progressive, Allstate, and USAA, depending on factors like coverage needs, customer service, and pricing.
What are the top 3 rating agencies?
The top 3 rating agencies in the insurance industry are typically considered to be A.M. Best, Standard & Poor’s (S&P), and Moody’s Investors Service. These agencies assess the financial stability and creditworthiness of insurance companies, providing valuable information for consumers and investors alike.
What is the claims ratio?
The claims ratio, also known as the loss ratio, is a measure used by insurance companies to assess their financial performance. It represents the ratio of claims paid out by the insurer compared to the premiums collected from policyholders. A lower claims ratio indicates better profitability and risk management for the insurance company.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.