Our Homeowners programs provide coverage for owner occupied homes up to 4 families throughout New York State including Long Island. We offer dwelling coverage up to $2 million, up to $1 million in liability coverage and replacement cost on personal property. Our policy enhancements include Voluntary Flood coverage in X-Zones
, Equipment Breakdown Coverage, Service Line Coverage, Homeowner's Plus, and Identity Fraud. We also offer multiple deductible options that make certain our insureds' obtain the policy that is right for them.
This product covers owner occupied 3-4 family homes in New York State. Dwelling
coverage can be written up to $1,000,000 and we offer up to $500,000 liability.
Our policies offer multiple deductible options and policy enhancements, which make
certain our insured obtain the policy that is right for them.
Kingstone Insurance® writes a stand-alone policy for rental properties under our
Dwelling Fire programs. Our policies can be written for dwellings 65 years of age
or newer and up to 4 families in New York State including Long Island. We offer coverage up to
$2 million, and up to $500,000 liability. Clients can
add our policy enhancements including Equipment Breakdown Coverage, which covers
the critical home equipment for cooling, heating, hot water and other daily necessities,
and Added Water Damage Coverage.
This program is designed for 3-4 family owner and non-owner occupied dwellings in
New York State. Just like our Dwelling Fire product, it is a standalone policy for
dwellings built in the last 65 years. Property and liability coverage is available,
and we offer $500,000 maximum liability limits.
For added protection we offer a Personal Umbrella with either $1,000,000 or $3,000,000
additional liability coverage. This product is available to all Kingstone Homeowner
Protect those that are most important, including the family pet. Our policies provide
liability and medical payment coverage for bodily injury and property damage caused
by an eligible insured dog. This worldwide protection can be written with $100,000
or $250,000 CSL with a $500 deductible. We also offer a multi-dog discount. This
product fills the gap caused by dog liability exclusions found in many personal
lines policies. Kingstone Insurance Company is the first admitted market in New
York to offer this stand-alone insurance product.
X-Zone Flood Form - Kingstone is the first company in New York to offer a voluntary flood option for certain eligible risks. The coverage can be written as an endorsement to Homeowners 1-2 family policies written through Kingstone. For certain eligible risks in the NFIP X-Zones (those away from the immediate coastline), policyholders can purchase up to $50,000 in coverage for flooding events at an affordable premium. For more information, contact your insurance broker.
Our Condo and Coop program provides coverage for those items most valuable to our
insured. We offer additional living expense, loss assessment, loss of rent, and
ordinance of law coverage. Our policy enhancements help ensure our clients have
the coverage they need to protect their property.
Our Business Owners Policy (BOP) is coverage for Mercantile, Retail, and other select
operations. We will write up to $1 million each occurrence / $2 million aggregate,
and property limits up to $1.3 million including optional coverage such as rent/earnings,
glass, loss of income, and signs. Our program will also consider new ventures. Higher limits available subject to underwriting approval.
Our Craft Pak program is intended for small trade individuals who work on commercial
and/or residential projects. We offer Blanket Additional Insured coverage and maximum
limits for liability. Tool coverage is available. Our program is designed for businesses
with up to 7 Full-time or Part-time employees.
Our Special Multi-Peril (SMP) program is intended for larger retail and wholesale
accounts, in addition to restaurants that are not eligible for our BOP program.
We offer $1.5 million in total property coverage with liability limits up to $1
million each occurrence, and $2 million aggregate. Higher limits available subject to underwriting approval.
Commercial Auto coverage is available for many classes including service, commercial,
retail and manufacturing. Our minimum liability limits are $100,000 CSL and we will
write up to $1,000,000 CSL. New ventures can be written with full coverage, we offer
Defensive Driver Discount, and your client can receive a 5% discount on their Craft
Pak policy when both are written with Kingstone Insurance®.
The Black Car program provides physical damage coverage for livery vehicles. Our
annual policy is written on an owner/driver basis for vehicles less than $85,000
in value and four years or newer. For vehicles older than 4 years we offer the Silver
The Silver Car program provides physical damage Only coverage for livery operations
approved for by the TLC. This coverage is for vehicles older than 4 years whose
value does not exceed $85,000. For vehicles newer than 4 years we offer the Black