Kingstone Insurance Review & Complaints: Homeowners Insurance (2024)

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.

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

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.

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.