Protect your home with the right coverage

Homeowners Policy


We provide homeowners coverage for single-family and multi-family dwellings up to and including four-family, co-ops, condominiums and renters. All of our homeowner's policies are flexible because we recognize that each client's needs are not the same.  


KINGSTONE INSURANCE® specializes in:

  • Coastal homes
  • High valued homes

We offer discounts giving our customers ways to save on their insurance premiums. Our account credit, new purchase discount, and alarm credits are just a few examples of discounts available for eligible policyholders.

Product Features


As a New York based carrier, we understand the needs of those we insure because we live here too! This means our policy and coverages have been tailored to address the exposures most important to our neighbors. 


Policy coverages and enhancements:

  • Flood Coverage
  • Back-up to Sewer and Drains
  • Service Line Coverage
  • Home Systems Protection
  • Flexible Coverage Options
  • Identity Fraud Coverage
  • Building Coverage up to $2 million
  • Liability Coverage up to $1 million

Insuring your home with KINGSTONE INSURANCE® means you are protected by a carrier that lives and works where you reside.