Kingstone Insurance Review & Complaints: Homeowners Insurance (2024)
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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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Mar 8, 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 provider and cannot guarantee quotes from any single provider.
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 on this page 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: Mar 8, 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 provider and cannot guarantee quotes from any single provider.
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 on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
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
States | Average Monthly Home Insurance Rates |
---|---|
Alabama | $135.33 |
Alaska | $107.58 |
Arizona | $112.92 |
Arkansas | $178.50 |
California | $102.00 |
Colorado | $158.25 |
Connecticut | $98.67 |
Delaware | $73.50 |
Florida | $112.75 |
Georgia | $142.75 |
Hawaii | $41.75 |
Idaho | $87.58 |
Illinois | $110.17 |
Indiana | $132.25 |
Iowa | $125.17 |
Kansas | $184.33 |
Louisiana | $151.08 |
Maine | $79.67 |
Maryland | $93.67 |
Massachusetts | $108.92 |
Michigan | $93.33 |
Minnesota | $162.67 |
Mississippi | $147.75 |
Missouri | $187.58 |
Montana | $147.50 |
Nebraska | $234.67 |
Nevada | $87.25 |
New Hampshire | $69.92 |
New Jersey | $62.58 |
New Mexico | $117.33 |
New York | $153.33 |
North Carolina | $97.17 |
North Dakota | $110.25 |
Ohio | $97.00 |
Oklahoma | $290.17 |
Oregon | $63.00 |
Pennsylvania | $63.17 |
Rhode Island | $99.42 |
South Carolina | $95.17 |
South Dakota | $163.17 |
Tennessee | $135.42 |
Texas | $183.92 |
Utah | $53.92 |
Vermont | $57.17 |
Virginia | $84.42 |
Washington | $71.92 |
West Virginia | $93.67 |
Wisconsin | $82.17 |
Wyoming | $105.25 |
National Average | $116.08 |
Read more: Best Illinois Home Insurance
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.
Kingstone Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Kingstone Insurance provides multiple convenient options for filing claims. Customers can choose to file a claim online through the company’s website or use the dedicated mobile app for a streamlined process. Alternatively, claims can also be submitted over the phone, ensuring flexibility in how policyholders report incidents.
Average Claim Processing Time
The average claim processing time at Kingstone Insurance may vary depending on the nature and complexity of the claim. However, the company is committed to efficient service and strives to process claims in a timely manner. Specific processing times can be obtained by contacting the claims department directly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is essential for evaluating an insurance provider. While there is no specific information provided in the article, it’s important to consider customer reviews and testimonials to gauge the satisfaction of policyholders regarding Kingstone Insurance’s claim resolution process and the fairness of payouts.
Kingstone Insurance Digital and Technological Features
Mobile App Features and Functionality
Kingstone Insurance offers a dedicated mobile app that provides policyholders with convenient access to their insurance information. The app likely includes features such as policy management, claims filing, and digital ID cards. Customers can easily download and use the app to streamline their insurance-related tasks.
Online Account Management Capabilities
Policyholders have the option to manage their insurance policies online through the Kingstone Insurance website. This online account management system allows customers to view policy details, make payments, and update their information, providing a user-friendly platform for policy administration.
Digital Tools and Resources
In addition to the mobile app and online account management, Kingstone Insurance may offer various digital tools and resources to assist customers in understanding their coverage, calculating premiums, and accessing educational materials related to homeowners insurance. These digital resources contribute to a more informed and empowered policyholder experience.
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Frequently Asked Questions
Is Kingstone Insurance only available in New York?
While Kingstone Insurance’s headquarters are in New York, they provide insurance coverage in several states across the United States.
What sets Kingstone Insurance apart from other insurance companies?
Kingstone Insurance distinguishes itself through its commitment to personalized service, competitive rates, and a comprehensive selection of insurance products.
Can Kingstone Insurance provide coverage for high-value homes?
Yes, Kingstone Insurance offers coverage options for high-value homes and provides additional coverage for valuable items such as jewelry, fine art, and collectibles.
Can Kingstone Insurance provide coverage for flood damage?
Yes, Kingstone Insurance offers flood insurance coverage as a separate policy, which can be purchased in addition to homeowners insurance.
Can I manage my insurance policy online with Kingstone Insurance?
Yes, Kingstone Insurance provides an online portal where policyholders can manage their insurance policies, make payments, and access important documents.
How can I contact Kingstone Insurance for more information?
You can contact Kingstone Insurance by visiting their website and using their contact information, which includes phone numbers and email addresses. Additionally, you can visit their local offices or reach out to licensed agents for assistance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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.