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Kingstone partners with ZestyAI to use AI wildfire risk model for California homeowners insurance launch

Market News
08 Apr 2026
GlobeNewsWire
View Source
Bullish
pluang ai news

Kingstone Companies is expanding into the California homeowners insurance market in Q2 2026, using ZestyAI's Z-FIRE AI-driven wildfire risk model to enhance property-level risk assessment. This partnership allows Kingstone to apply precise, data-driven underwriting and rating in wildfire-prone areas, improving risk differentiation and portfolio management. The move supports Kingstone's disciplined approach that has driven strong results in New York, with a focus on managing catastrophe exposure and maintaining pricing flexibility under an excess and surplus lines structure. Kingstone will also maintain a 30% quota share to manage net exposure as it scales in California.

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