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Kingstone Companies (KINS) investor relations material

Kingstone Companies Investor Presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor Presentation summary5 Nov, 2025

Business overview and market position

  • 12th largest homeowners' insurer in New York with 78,000 policies in force as of September 30, 2025.

  • Achieved direct written premium growth of 14% and net investment income growth of 52% versus Q3 2024.

  • Demotech financial strength rating of 'A, Excellent'.

  • Founded in 1886, with a strong management team boasting over 85 years of combined insurance experience.

Product sophistication and underwriting

  • Launched the Select product suite in 2022, using modern data science and by-peril rating for Homeowners, Dwelling Fire, and Condo.

  • Select policies now represent 54% of policies in force, with better insurance scores and lower claim frequency than legacy products.

  • Achieved a compounded annual rate change of 16.4% in core business, outpacing inflation.

Profitability, expense management, and reinsurance

  • Maintained a combined ratio below the industry average, with disciplined underwriting and eight consecutive profitable quarters through Q3 2025.

  • Reduced net expense ratio by 10 points from 2021 to 2024, including savings from restructured producer compensation and retiring legacy systems.

  • Successfully completed 2025/2026 catastrophe reinsurance placement, including a $125 million catastrophe bond.

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Q3 20257 Nov, 2025
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
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Eferix Drawings Google Play
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Frequently asked questions

Kingstone Companies Inc is a property and casualty insurance holding company operating through its subsidiary, Kingstone Insurance Company. It offers personal and commercial insurance products including homeowners, renters, and business owners policies, primarily in the Northeastern United States. Kingstone Companies Inc is headquartered in Kingston, New York, and its shares are listed on the NASDAQ.

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