---
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"
generated_at: "2026-05-15T07:54:15.795762+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kingstone CEO reports record 2025 results, announces California E&S expansion in Q2 2026

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001021771-26-000036
- JSON: https://secwatch.observer/filing/0001021771-26-000036.json
- Plain text: https://secwatch.observer/filing/0001021771-26-000036.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.