{"schema_version":"secwatch.filing_event.v1","accession":"0001021771-26-000036","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2026-04-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.566091+00:00","generated_at":"2026-05-15T07:54:15.795762+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Kingstone CEO reports record 2025 results, announces California E&S expansion in Q2 2026","bullets":["Net income $40.8M in 2025 (more than doubled); diluted EPS $2.88 (+95%); combined ratio 75% producing 43% ROE.","Expanding into California E&S homeowners market in Q2 2026; California to be <5% of 2026 premium with New York >95%.","E&S model allows rate-to-risk matching and rapid price adjustment; 30% quota share placed on California business.","Targeting low-to-moderate wildfire exposure using market-leading models; aims for high-quality, selective book.","5-year growth plan to reach $500M written premium by 2029; California expected to be 20% of premium by then."],"urls":{"canonical":"https://secwatch.observer/filing/0001021771-26-000036","json":"https://secwatch.observer/filing/0001021771-26-000036.json","markdown":"https://secwatch.observer/filing/0001021771-26-000036.md","text":"https://secwatch.observer/filing/0001021771-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000102177126000036/0001021771-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000102177126000036/kins-20260401.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T07:54:15.795762+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}