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Kingstone Companies, Inc.: Business Overview, Financials & Competitive Analysis

Kingstone Companies, Inc., headquartered in Kingston, New York, provides property and casualty insurance products through its subsidiary Kingstone Insurance Company (KICO). The company offers personal line insurance i...

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7/ 10Strong

Cyborg Score thesis

Strong regional growth momentum and record profitability with attractive valuation present compelling opportunity for value...

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Industry Property & Casualty Insurance
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Kingstone Companies, Inc. Overview

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Kingstone Companies, Inc., headquartered in Kingston, New York, provides property and casualty insurance products through its subsidiary Kingstone Insurance Company (KICO). The company offers personal line insurance including homeowners, dwelling fire, condominiums, renters, and personal umbrella policies, as well as commercial auto insurance products.

Strategic Profile

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Kingstone is a northeast regional property and casualty insurance holding company focused on personal lines and commercial auto insurance in New York. The company achieved record-setting premiums and a 40% growth rate in its core personal lines business during Q3 2024, attributed to the exit of two competitors in New York.

Competitive Landscape

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Kingstone competes with regional and national property-casualty insurers including Heritage Insurance Holdings, HCI Group, Universal Insurance Holdings, and American Integrity Insurance Group. As a Northeast-focused regional carrier with strong market share in New York, Kingstone operates in a competitive but less saturated niche compared to national carriers.

Industry Context

Kingstone Companies, Inc. operates in Property & Casualty Insurance.

Key facts

Founded: 1886 · Headquarters: Kingston, New York · Market cap: $238M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Kingstone Companies, Inc..

  • Record profitability in Q4 2025 with preliminary EPS of $1.03-$1.08 vs $0.46 in Q4 2024
  • Benefiting from competitor exits in New York market providing significant growth runway
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Record profitability reported with strong premium growth and Q4 EPS guidance of $1.03-$1.08
  • February 2026Wall Street Zen upgraded KINS from Hold to Buy rating
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Heritage Insurance HoldingsRegional property and casualty insurer→HCI GroupRegional homeowners and commercial insurance provider→Universal Insurance HoldingsRegional property and casualty insurance provider→

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Industry context

Kingstone Companies, Inc. operates in Property & Casualty Insurance. See how the rest of the sector scores on the Cyborg framework.

Top companies in Property & Casualty Insurance by Cyborg Score

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Frequently asked questions

What does Kingstone Companies, Inc. do?+
Kingstone Companies, Inc., headquartered in Kingston, New York, provides property and casualty insurance products through its subsidiary Kingstone Insurance Company (KICO). The company offers personal line insurance i...
What is Kingstone Companies, Inc.'s Cyborg Score?+
Kingstone Companies, Inc. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Kingstone Companies, Inc.'s main competitors?+
Named competitors include Heritage Insurance Holdings, HCI Group, Universal Insurance Holdings. The full competitive landscape is in the AskCyborg report.
How can I get the full Kingstone Companies, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Kingstone Companies, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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