KINS

Kingstone Companies' Index Inclusion: Kingstone Companies has been added to the Russell 3000 Index and will automatically be included in the small-cap Russell 2000 Index starting June 30.

Market Performance Insights: Despite recent progress, Kingstone faces ongoing risks as it navigates market disruptions and continues its growth trajectory.

Reinsurance Strategy: Kingstone Companies Inc. (KINS) has significantly increased its catastrophe reinsurance limit by 57% to $440 million for the 2025/2026 period, which is crucial for managing risks in the storm-prone Northeast and supports its growth strategy while maintaining a low cost relative to premiums.

Market Position and Performance: KINS competes with Heritage Insurance Group and Kinsale Capital Group, showing a year-to-date share gain of 0.4%, but underperforming the industry; despite this, it holds a strong Value Score and Growth Score, indicating potential for revenue and earnings increases in the coming years.

Kingstone Companies Growth: Kingstone Companies, Inc. has seen significant growth in its policies-in-force (PIF), primarily due to a strategic focus on personal lines insurance, which now constitutes 96% of total PIF. The company capitalized on the exit of major insurers from the New York market, adding over 6,000 new policies and $23 million in premium volume in late 2024.

Market Position and Financial Outlook: Despite a year-to-date stock decline of 2.5%, Kingstone maintains a strong growth outlook with projected premium growth of 15-25% in its core segment for 2025. The company's disciplined underwriting approach has led to six consecutive profitable quarters and improved combined ratios, indicating a commitment to stable, high-margin growth.