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  <xs:element id="kins_AdvancePremiums" abstract="false" name="AdvancePremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EquitySecuritiesCostIncurred" abstract="false" name="EquitySecuritiesCostIncurred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CedingCommissionRevenue" abstract="false" name="CedingCommissionRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LossAndLossAdjustmentExpenses" abstract="false" name="LossAndLossAdjustmentExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncomeTaxExpenseBenefitRelatedToOtherComprehensiveIncomeLoss" abstract="false" name="IncomeTaxExpenseBenefitRelatedToOtherComprehensiveIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CapitalInExcessOfParMember" abstract="true" name="CapitalInExcessOfParMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_VestingOfRestrictedStockAwardsShares" abstract="false" name="VestingOfRestrictedStockAwardsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_VestingOfRestrictedStockAwardsAmount" abstract="false" name="VestingOfRestrictedStockAwardsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_StockIssuedDuringPeriodValueWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_SharesDeductedFromRestrictedStockAwardsForPaymentOfWithholdingTaxesShares" abstract="false" name="SharesDeductedFromRestrictedStockAwardsForPaymentOfWithholdingTaxesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_SharesDeductedFromRestrictedStockAwardsForPaymentOfWithholdingTaxesAmount" abstract="false" name="SharesDeductedFromRestrictedStockAwardsForPaymentOfWithholdingTaxesAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ChangeInUnrealizedGainsOnAvailableForSaleSecuritiesNetOfTax" abstract="false" name="ChangeInUnrealizedGainsOnAvailableForSaleSecuritiesNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IssuanceOfCommonStockOfferingCosts" abstract="false" name="IssuanceOfCommonStockOfferingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NotesTwentyTwentyTwoMember" abstract="true" name="NotesTwentyTwentyTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_NotesTwoThousandTwentyFourMember" abstract="true" name="NotesTwoThousandTwentyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_NetUnrealizedGainsLossesOnEquityInvestments" abstract="false" name="NetUnrealizedGainsLossesOnEquityInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AdvancesFromPremiums" abstract="false" name="AdvancesFromPremiums" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PurchaseFixedMaturitySecuritiesAvailableForSale" abstract="false" name="PurchaseFixedMaturitySecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_BondIssueCostsOn2022Notes" abstract="false" name="BondIssueCostsOn2022Notes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_WithholdingTaxesPaidOnVestedRetrictedStockAwards" abstract="false" name="WithholdingTaxesPaidOnVestedRetrictedStockAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NatureOfBusinessAbstract" abstract="true" name="NatureOfBusinessAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_PropertyAndCasualtyInsuranceActivityAbstract" abstract="true" name="PropertyAndCasualtyInsuranceActivityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_PropertyAndCasualtyInsuranceActivityDisclosureTextBlock" abstract="false" name="PropertyAndCasualtyInsuranceActivityDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_StatutoryFinancialInformationAndAccountingPoliciesAbstract" abstract="true" name="StatutoryFinancialInformationAndAccountingPoliciesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_FinancialInformationAndAccountingPoliciesDisclosureTextBlock" abstract="false" name="FinancialInformationAndAccountingPoliciesDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_RiskBasedCapitalAbstract" abstract="true" name="RiskBasedCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_RiskBasedCapitalDisclosureTextBlock" abstract="false" name="RiskBasedCapitalDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_EmployeeBenefitPlansAbstract" abstract="true" name="EmployeeBenefitPlansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_LossAndLossAdjustmentExpensesLAEReservesPolicyTextBlock" abstract="false" name="LossAndLossAdjustmentExpensesLAEReservesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_WarrantsPolicyTextBlock" abstract="false" name="WarrantsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_AccountingChangePolicyTextBlock" abstract="false" name="AccountingChangePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfAvailableForSaleFixedMaturitySecuritiesContractualMaturityTableTextBlock" abstract="false" name="ScheduleOfAvailableForSaleFixedMaturitySecuritiesContractualMaturityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfEquitySecuritiesTableTextBlock" abstract="false" name="ScheduleOfEquitySecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_OtherInvestmentsTableTextBlock" abstract="false" name="OtherInvestmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfHeldToMaturitySecuritiesTableTextBlock" abstract="false" name="ScheduleOfHeldToMaturitySecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfHeldToMaturitySecuritiesByContractualMaturityTableTextBlock" abstract="false" name="ScheduleOfHeldToMaturitySecuritiesByContractualMaturityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfInvestmentIncomeTableTextBlock" abstract="false" name="ScheduleOfInvestmentIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfSecuritiesWithRealizedGainsAndLossesOnInvestmentsTableTextBlock" abstract="false" name="ScheduleOfSecuritiesWithRealizedGainsAndLossesOnInvestmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_HedgeFundInvestmentsTableTextBlock" abstract="false" name="HedgeFundInvestmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_LineOfBusinessTableTextBlock" abstract="false" name="LineOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfApproximateReinsuranceRecoverableTableTextBlock" abstract="false" name="ScheduleOfApproximateReinsuranceRecoverableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfCedingCommissionsEarnedTableTextBlock" abstract="false" name="ScheduleOfCedingCommissionsEarnedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfPercentagesOfThePrincipalAmountTableTextBlock" abstract="false" name="ScheduleOfPercentagesOfThePrincipalAmountTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfFutureContractualPaymentObligationsTableTextBlock" abstract="false" name="ScheduleOfFutureContractualPaymentObligationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfEarnedPremiumsTableTextBlock" abstract="false" name="ScheduleOfEarnedPremiumsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfLiabilityForLossAndLaeExpensesTableTextBlock" abstract="false" name="ScheduleOfLiabilityForLossAndLaeExpensesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfUnpaidLossesAndLaeTableTextBlock" abstract="false" name="ScheduleOfUnpaidLossesAndLaeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_IncurredClaimsAllocatedClaimAdjustmentTableTextBlock" abstract="false" name="IncurredClaimsAllocatedClaimAdjustmentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_CumulativePaidClaimsAllocatedClaimAdjustmentExpensesTableTextBlock" abstract="false" name="CumulativePaidClaimsAllocatedClaimAdjustmentExpensesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ReconciliationOfNetIncurredAndPaidClaimsTableTextBlock" abstract="false" name="ReconciliationOfNetIncurredAndPaidClaimsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_ScheduleOfChangesInNetDeferredIncomeTaxLiabilityToDeferredIncomeTaxBenefitTableTextBlock" abstract="false" name="ScheduleOfChangesInNetDeferredIncomeTaxLiabilityToDeferredIncomeTaxBenefitTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="kins_DirectWrittenPremiumsPercentage" abstract="false" name="DirectWrittenPremiumsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_AccuredInvestmentIncome" abstract="false" name="AccuredInvestmentIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CollateralizedBankRepurchaseAgreement" abstract="false" name="CollateralizedBankRepurchaseAgreement" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PersonalLinesMember" abstract="true" name="PersonalLinesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_PremiumsEarnedNotSubjectToConcentrationMember" abstract="true" name="PremiumsEarnedNotSubjectToConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_PremiumsEarnedSubjectToConcentrationPercentage1" abstract="false" name="PremiumsEarnedSubjectToConcentrationPercentage1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_PremiumsEarnedPercentage1" abstract="false" name="PremiumsEarnedPercentage1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_USTreasuryAndGovernmentsMember" abstract="true" name="USTreasuryAndGovernmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesPoliticalSubdivisionsOfStatesTerritoriesAndPossessionsMember" abstract="true" name="FixedMaturitySecuritiesPoliticalSubdivisionsOfStatesTerritoriesAndPossessionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesCorporateAndOtherBondsIndustrialAndMiscellaneousMember" abstract="true" name="FixedMaturitySecuritiesCorporateAndOtherBondsIndustrialAndMiscellaneousMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesMortgageBackedSecuritiesMember" abstract="true" name="FixedMaturitySecuritiesMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesTotalFixedMaturitySecuritiesMember" abstract="true" name="FixedMaturitySecuritiesTotalFixedMaturitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesContinuousGrossUnrealizedLossPositionLessThan12MonthsLosses" abstract="false" name="AvailableForSaleSecuritiesContinuousGrossUnrealizedLossPositionLessThan12MonthsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesContinuousGrossUnrealizedLossPosition12MonthsOrLongerLosses" abstract="false" name="AvailableForSaleSecuritiesContinuousGrossUnrealizedLossPosition12MonthsOrLongerLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesFairValueDisclosure1" abstract="false" name="AvailableForSaleSecuritiesFairValueDisclosure1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetUnrealizedGainsLosses" abstract="false" name="NetUnrealizedGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LessThanOneYearMember" abstract="true" name="LessThanOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_OneToFiveYearsMember" abstract="true" name="OneToFiveYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FiveToTenYearsMember" abstract="true" name="FiveToTenYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_MoreThan10YearsMember" abstract="true" name="MoreThan10YearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ResidentialMortgageAndOtherAssetBackedSecuritiesMember" abstract="true" name="ResidentialMortgageAndOtherAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AmortizedCost" abstract="false" name="AmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EstimatedFairValue" abstract="false" name="EstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PreferredStockEquitySecuritiesMember" abstract="true" name="PreferredStockEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FHLBNYCommonStockMember" abstract="true" name="FHLBNYCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedIncomeExchangeTradedFundsMember" abstract="true" name="FixedIncomeExchangeTradedFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_MutualFundsMember" abstract="true" name="MutualFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_OtherInvestmentFixedIncomeExchangeTradedFundsMember" abstract="true" name="OtherInvestmentFixedIncomeExchangeTradedFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_HeldToMaturitySecuritiesUSTreasurySecuritiesMember" abstract="true" name="HeldToMaturitySecuritiesUSTreasurySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ExchangeTradedDebtMember" abstract="true" name="ExchangeTradedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_CostOrAmortizedCost" abstract="false" name="CostOrAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossUnrealizedGains" abstract="false" name="GrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossUnrealizedLossesLessThan12Months" abstract="false" name="GrossUnrealizedLossesLessThan12Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossUnrealizedLossMoreThan12Months" abstract="false" name="GrossUnrealizedLossMoreThan12Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EstimatedFairValue2" abstract="false" name="EstimatedFairValue2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetUnrealizedGains" abstract="false" name="NetUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AmortizedCostHeldToMaturitySecurities" abstract="false" name="AmortizedCostHeldToMaturitySecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EstimatedFairValue3" abstract="false" name="EstimatedFairValue3" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InvestmentIncomeFixedMaturitySecurities" abstract="false" name="InvestmentIncomeFixedMaturitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InvestmentIncomeEquitySecurities" abstract="false" name="InvestmentIncomeEquitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InvestmentIncomeCashAndCashEquivalents" abstract="false" name="InvestmentIncomeCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InvestmentIncomeOther" abstract="false" name="InvestmentIncomeOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ProceedsFromTheSaleOrMaturityOfFixedMaturitySecuritiesAvailableForSale" abstract="false" name="ProceedsFromTheSaleOrMaturityOfFixedMaturitySecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesAccountedForGrossUnrealizedLosses" abstract="false" name="FixedMaturitySecuritiesAccountedForGrossUnrealizedLosses" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kins_GrossRealizedGains" abstract="false" name="GrossRealizedGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossRealizedLosses" abstract="false" name="GrossRealizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesNet" abstract="false" name="FixedMaturitySecuritiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EquitySecuritiesNet" abstract="false" name="EquitySecuritiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetRealizedGains" abstract="false" name="NetRealizedGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossGains" abstract="false" name="GrossGains" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleEquitySecuritiesGrossUnrealizedLosses" abstract="false" name="AvailableForSaleEquitySecuritiesGrossUnrealizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableforsaleSecuritiesNetUnrealizedGainLoss" abstract="false" name="AvailableforsaleSecuritiesNetUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossGainsOnOtherInvestments" abstract="false" name="GrossGainsOnOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossLossesOnOtherInvestments" abstract="false" name="GrossLossesOnOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossGainsLossesOnOtherInvestments" abstract="false" name="GrossGainsLossesOnOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingLoss" abstract="false" name="AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetGainsOnInvestments" abstract="false" name="NetGainsOnInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsLosses" abstract="false" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NumberOfPositionsHeldLessThan12Months" abstract="false" name="NumberOfPositionsHeldLessThan12Months" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerLosses" abstract="false" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerLoss" abstract="false" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLosses" abstract="false" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_U.S.TreasurySecuritiesAndObligationsOfU.S.GovernmentCorporationsAndAgenciesMember" abstract="true" name="U.S.TreasurySecuritiesAndObligationsOfU.S.GovernmentCorporationsAndAgenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_HedgeFundMember" abstract="true" name="HedgeFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_NotesTwoThousandTwentySixMember" abstract="true" name="NotesTwoThousandTwentySixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_SeniorNotesDue2024Member" abstract="true" name="SeniorNotesDue2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesHeldToMaturity" abstract="false" name="FixedMaturitySecuritiesHeldToMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_FixedMaturitySecuritiesAvailableForSaleLevel1" abstract="false" name="FixedMaturitySecuritiesAvailableForSaleLevel1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InsuranceLicenseMember" abstract="true" name="InsuranceLicenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_OtherIdentifiableIntangiblesMember" abstract="true" name="OtherIdentifiableIntangiblesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_UnderlyingExcessOfLossTreatyExcessOfLossCoverageAmount" abstract="false" name="UnderlyingExcessOfLossTreatyExcessOfLossCoverageAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_UnderlyingExcessOfLossTreatyExcessOfLossCoverageExcludedAmount" abstract="false" name="UnderlyingExcessOfLossTreatyExcessOfLossCoverageExcludedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CatastropheReinsuranceCoveragePercent" abstract="false" name="CatastropheReinsuranceCoveragePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_RetentionLimitedUnderExcessOfLossTreaty" abstract="false" name="RetentionLimitedUnderExcessOfLossTreaty" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_UnearnedCededPremiums" abstract="false" name="UnearnedCededPremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PercentCeded" abstract="false" name="PercentCeded" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_RiskRetainedOnInitial1000000OfLosses" abstract="false" name="RiskRetainedOnInitial1000000OfLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LossesPerOccurrenceSubjectToQuotaShareReinsuranceCoverage" abstract="false" name="LossesPerOccurrenceSubjectToQuotaShareReinsuranceCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ExcessOfLossCoverageAndFacultativeFacilityCoverage" abstract="false" name="ExcessOfLossCoverageAndFacultativeFacilityCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InExcessOf" abstract="false" name="InExcessOf" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalReinsuranceCoveragePerOccurrence" abstract="false" name="TotalReinsuranceCoveragePerOccurrence" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LossesPerOccurrenceSubjectToReinsuranceCoverage" abstract="false" name="LossesPerOccurrenceSubjectToReinsuranceCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InitialLossSubjectToPersonalLinesQuotaShareTreaty" abstract="false" name="InitialLossSubjectToPersonalLinesQuotaShareTreaty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_RiskRetainedPerCatastropheOccurrence" abstract="false" name="RiskRetainedPerCatastropheOccurrence" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CatastropheLossCoverageInExcessOfQuotaShareCoverage" abstract="false" name="CatastropheLossCoverageInExcessOfQuotaShareCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinstatementPremiumProtection" abstract="false" name="ReinstatementPremiumProtection" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_SingleRiskCoverage" abstract="false" name="SingleRiskCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DirectLoss" abstract="false" name="DirectLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinstatementOfPremiumProtectionAmount" abstract="false" name="ReinstatementOfPremiumProtectionAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ExcessOfCatastropheCoverage" abstract="false" name="ExcessOfCatastropheCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinsuranceCoveragePercentage" abstract="false" name="ReinsuranceCoveragePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_ReinsuranceCoverageLosses" abstract="false" name="ReinsuranceCoverageLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinsuranceExcessLossesInCoverage" abstract="false" name="ReinsuranceExcessLossesInCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinsuranceRetentionExpenses" abstract="false" name="ReinsuranceRetentionExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CededLossPercentageUnderTreaty" abstract="false" name="CededLossPercentageUnderTreaty" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_TotalCededLossPercentageUnderTreaty" abstract="false" name="TotalCededLossPercentageUnderTreaty" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_PersonalUmbrellaMember" abstract="true" name="PersonalUmbrellaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_PercentCededFirstMillionDollarsOfCoverage" abstract="false" name="PercentCededFirstMillionDollarsOfCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_PercentCededExcessOfOneMillionOfCoverage" abstract="false" name="PercentCededExcessOfOneMillionOfCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_SwissReinsuranceAmericaCorporationMember" abstract="true" name="SwissReinsuranceAmericaCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_HanoverRueckSEMember" abstract="true" name="HanoverRueckSEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AlliedWorldAssuranceCompanyMember" abstract="true" name="AlliedWorldAssuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AcePropertyAndCasualtyInsuranceCompanyMember" abstract="true" name="AcePropertyAndCasualtyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_LancashireInsuranceCompanyLimitedMember" abstract="true" name="LancashireInsuranceCompanyLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_OthersMember" abstract="true" name="OthersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ScorReinsuraceCompanyMember" abstract="true" name="ScorReinsuraceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ReinsuranceReceivablesUnPaidLossesRecoverable" abstract="false" name="ReinsuranceReceivablesUnPaidLossesRecoverable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PaidLosses" abstract="false" name="PaidLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinsuranceUnpaidLosses" abstract="false" name="ReinsuranceUnpaidLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReinsuranceRecoverablesSecurity" abstract="false" name="ReinsuranceRecoverablesSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IrrevocableLetterOfCredit" abstract="false" name="IrrevocableLetterOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GuaranteedIrrevocableLetterOfCredit" abstract="false" name="GuaranteedIrrevocableLetterOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ContingentCedingCommissionsEarned" abstract="false" name="ContingentCedingCommissionsEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsCommissionAndBrokerage" abstract="false" name="DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsCommissionAndBrokerage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsOtherUnderwritingAndPolicyAcquisitionCosts" abstract="false" name="DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsOtherUnderwritingAndPolicyAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsCedingCommissionRevenue" abstract="false" name="DeferredPolicyAcquisitionCostsAndPresentValueOfFutureInsuranceProfitsCedingCommissionRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredCedingCommissionRevenue" abstract="false" name="DeferredCedingCommissionRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_A5.5SeniorUnsecuredNotesMember" abstract="true" name="A5.5SeniorUnsecuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ExchangingNoteholdersMember" abstract="true" name="ExchangingNoteholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2022NotesMember" abstract="true" name="A2022NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2017NotesMember" abstract="true" name="A2017NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2024NotesMember" abstract="true" name="A2024NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2024ExchangeAgreementMember" abstract="true" name="A2024ExchangeAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_EquipmentFinancingMember" abstract="true" name="EquipmentFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ImpairmentOfFederalHomeLoanBankStock" abstract="false" name="ImpairmentOfFederalHomeLoanBankStock" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_MaximumAllowableAdvances" abstract="false" name="MaximumAllowableAdvances" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PercentageOfAdvancesAreLimitedInAvailableCollateral" abstract="false" name="PercentageOfAdvancesAreLimitedInAvailableCollateral" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_DebtInstrumentRedemptionPriceNoticePeriod" abstract="false" name="DebtInstrumentRedemptionPriceNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_DebtInstrumentRedemptionPricePartialPrepaymentOption" abstract="false" name="DebtInstrumentRedemptionPricePartialPrepaymentOption" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DebtInstrumentConsolidatedIndebtednessPercentage" abstract="false" name="DebtInstrumentConsolidatedIndebtednessPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_NotesIssueRate" abstract="false" name="NotesIssueRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_TransactionCost" abstract="false" name="TransactionCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DebtInstrumentYieldPercentage" abstract="false" name="DebtInstrumentYieldPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_DebtInstrumentLeverageMaintenanceTestPercent" abstract="false" name="DebtInstrumentLeverageMaintenanceTestPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_InterestRate" abstract="false" name="InterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_FinanceAmount" abstract="false" name="FinanceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EndOfLeasePurchasePriceAsPercentOfOriginalFixedCost" abstract="false" name="EndOfLeasePurchasePriceAsPercentOfOriginalFixedCost" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_SaleLeasebackTransactionAdditionalTerm" abstract="false" name="SaleLeasebackTransactionAdditionalTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_TotalRentalRate" abstract="false" name="TotalRentalRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalTreasuryBills" abstract="false" name="TotalTreasuryBills" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_FairValueOfPledgedCollateral" abstract="false" name="FairValueOfPledgedCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_SeniorUnsecuredNotesMember" abstract="true" name="SeniorUnsecuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_IssuanceCostsMember" abstract="true" name="IssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_DecemberThirtyTwentyTwentyTwoToTwentyNineDecemberTwentyTwentyThreeMember" abstract="true" name="DecemberThirtyTwentyTwentyTwoToTwentyNineDecemberTwentyTwentyThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_DecemberThirtyTwentyTwentyThreeToTwentyNineSepTwentyTwentyFourMember" abstract="true" name="DecemberThirtyTwentyTwentyThreeToTwentyNineSepTwentyTwentyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_SepThirtyTwentyTwentyFourToTwentyNineDecTwentyTwentyFourMember" abstract="true" name="SepThirtyTwentyTwentyFourToTwentyNineDecTwentyTwentyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_LongTermDebtMaturityCurrentThroughYearThree" abstract="false" name="LongTermDebtMaturityCurrentThroughYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PremiumsWrittenMember" abstract="true" name="PremiumsWrittenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ChangeInUnearnedPremiumsMember" abstract="true" name="ChangeInUnearnedPremiumsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_PremiumsEarnedMember" abstract="true" name="PremiumsEarnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_DirectPropertyAndCasultyInsuranceActivity" abstract="false" name="DirectPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AssumedPropertyAndCasultyInsuranceActivity" abstract="false" name="AssumedPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CededPropertyAndCasultyInsuranceActivity" abstract="false" name="CededPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetPropertyAndCasultyInsuranceActivity" abstract="false" name="NetPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PriorYearLossDevelopment" abstract="false" name="PriorYearLossDevelopment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GrossLiabilityMember" abstract="true" name="GrossLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ReinsuranceReceivablesMember" abstract="true" name="ReinsuranceReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_CasebasisReserves" abstract="false" name="CasebasisReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredButNotReportedReserves" abstract="false" name="IncurredButNotReportedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_RecoverableOnUnpaidLosses" abstract="false" name="RecoverableOnUnpaidLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_RecoverableOnPaidLosses" abstract="false" name="RecoverableOnPaidLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalLossAndLossAdjustmentExpenses" abstract="false" name="TotalLossAndLossAdjustmentExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_UnearnedPremium" abstract="false" name="UnearnedPremium" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReceivablesReinsuranceContracts" abstract="false" name="ReceivablesReinsuranceContracts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalReinsuranceReceivables" abstract="false" name="TotalReinsuranceReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PropertyAndCasualtyInsuranceActivityRollForward" abstract="true" name="PropertyAndCasualtyInsuranceActivityRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_LessReinsuranceRecoverables" abstract="false" name="LessReinsuranceRecoverables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetBalanceBeginningOfPeriod" abstract="false" name="NetBalanceBeginningOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredRelatedToAbstract" abstract="true" name="IncurredRelatedToAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_CurrentYearPropertyAndCasultyInsuranceActivity" abstract="false" name="CurrentYearPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PriorYearsPropertyAndCasultyInsuranceActivity" abstract="false" name="PriorYearsPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalIncurredPropertyAndCasultyInsuranceActivity" abstract="false" name="TotalIncurredPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PaidRelatedToAbstract" abstract="true" name="PaidRelatedToAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_PaidRelatedToCurrentYear" abstract="false" name="PaidRelatedToCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PaidRelatedToPriorYears" abstract="false" name="PaidRelatedToPriorYears" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_PaidRelatedToTotalPaid" abstract="false" name="PaidRelatedToTotalPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetBalanceAtEndOfPeriod" abstract="false" name="NetBalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AddReinsuranceRecoverables" abstract="false" name="AddReinsuranceRecoverables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_BalanceAtEndOfPeriod" abstract="false" name="BalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TwoThousandFifteenMember" abstract="true" name="TwoThousandFifteenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandSixteenMember" abstract="true" name="TwoThousandSixteenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwothousandseventeenMember" abstract="true" name="TwothousandseventeenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandEighteenMember" abstract="true" name="TwoThousandEighteenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandNineteenMember" abstract="true" name="TwoThousandNineteenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandTwentyMember" abstract="true" name="TwoThousandTwentyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandTwentyOneMember" abstract="true" name="TwoThousandTwentyOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandTwentyTwoMember" abstract="true" name="TwoThousandTwentyTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandTwentyThreeMember" abstract="true" name="TwoThousandTwentyThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_TwoThousandTwentyFourMember" abstract="true" name="TwoThousandTwentyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2015" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2015" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2016" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2016" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2017" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2017" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2018" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2018" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2019" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2019" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2020" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2020" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2021" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2021" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2022" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2022" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2023" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2023" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncurredClaimsPropertyCasualtyAndLiability2024" abstract="false" name="IncurredClaimsPropertyCasualtyAndLiability2024" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalIncurredClaims" abstract="false" name="TotalIncurredClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2015" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2015" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2016" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2016" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2017" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2017" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2018" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2018" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2019" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2019" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2020" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2020" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2021" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2021" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2022" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2022" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2023" abstract="false" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2023" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShortDurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2024" abstract="false" name="ShortDurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseFor2024" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_AllOutstandingLiabilitiesBefore2014NetOfReinsurance" abstract="false" name="AllOutstandingLiabilitiesBefore2014NetOfReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LiabilitiesForAllocatedLossAndLossAdjustmentExpensesNetOfReinsurance" abstract="false" name="LiabilitiesForAllocatedLossAndLossAdjustmentExpensesNetOfReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalGrossLiabilityForLossAndLossAdjustmentExpenseReserves" abstract="false" name="TotalGrossLiabilityForLossAndLossAdjustmentExpenseReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OptionsGrantedTo10ShareholderMember" abstract="true" name="OptionsGrantedTo10ShareholderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_NonStatutoryStockOptionsMember" abstract="true" name="NonStatutoryStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2014EquityParticipationPlanMember" abstract="true" name="A2014EquityParticipationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_A2024EquityParticipationPlanMember" abstract="true" name="A2024EquityParticipationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_SalesAgreementMember" abstract="false" name="SalesAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_StockBasedCompensationForStockOptions" abstract="false" name="StockBasedCompensationForStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsEstimatedForfeitureRate" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsEstimatedForfeitureRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNetExercisesIssued" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNetExercisesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_EstimatedFairValueOfUnamortizedCompensation" abstract="false" name="EstimatedFairValueOfUnamortizedCompensation" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_StockOptionAwards" abstract="false" name="StockOptionAwards" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_StockBasedCompensationForGrants" abstract="false" name="StockBasedCompensationForGrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_MaximumSharePurchaseUnderEspp" abstract="false" name="MaximumSharePurchaseUnderEspp" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_FairValueOfUnamortizedCompensationCost" abstract="false" name="FairValueOfUnamortizedCompensationCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_WarrantsExercised" abstract="false" name="WarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_StockIssuedDuringPeriodShareWarrantExercised" abstract="false" name="StockIssuedDuringPeriodShareWarrantExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_RegistrationAmountOfEquityAndDebtSecurities" abstract="false" name="RegistrationAmountOfEquityAndDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OfferingPriceForSellingCommonShares" abstract="false" name="OfferingPriceForSellingCommonShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_SharesSoldWeightedAveragePricePerShare" abstract="false" name="SharesSoldWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="kins_RemainingCapacityToSellCommonStockUnderATMProgram" abstract="false" name="RemainingCapacityToSellCommonStockUnderATMProgram" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_SaleOfStockMaximumOfferingAmount" abstract="false" name="SaleOfStockMaximumOfferingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExcercisedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExcercisedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpiredForfeitedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpiredForfeitedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_NumberOfOptionsOutstandingVestedAndExercisable" abstract="false" name="NumberOfOptionsOutstandingVestedAndExercisable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageGranted" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageForfeited" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageForfeited" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="kins_WeightedAveragePricePerShareOutstandingVestedAndExercisable" abstract="false" name="WeightedAveragePricePerShareOutstandingVestedAndExercisable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="kins_WeightedAverageRemainingContractualBeginningBalance" abstract="false" name="WeightedAverageRemainingContractualBeginningBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_WeightedAverageRemainingContractualGranted" abstract="false" name="WeightedAverageRemainingContractualGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_WeightedAverageRemainingContractualExpiredForfeited" abstract="false" name="WeightedAverageRemainingContractualExpiredForfeited" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_WeightedAverageRemainingContractualTermEndingBalance" abstract="false" name="WeightedAverageRemainingContractualTermEndingBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueGranted" abstract="false" name="SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueGranted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsForfeited" abstract="false" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsForfeited" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueForfeitedd" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueForfeitedd" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DividendsAsPercentageOfSurplus" abstract="false" name="DividendsAsPercentageOfSurplus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_DividendsAsPercentageOfInvestmentIncome" abstract="false" name="DividendsAsPercentageOfInvestmentIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_TrailingPeriod" abstract="false" name="TrailingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_UnassignedDeficit" abstract="false" name="UnassignedDeficit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_MaximumAmountOfDividendsWithDFS" abstract="false" name="MaximumAmountOfDividendsWithDFS" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_MaximumAllowableDividendPayable" abstract="false" name="MaximumAllowableDividendPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_StatutoryBasisNetIncomeLoss" abstract="false" name="StatutoryBasisNetIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_StatutoryBasisSurplus" abstract="false" name="StatutoryBasisSurplus" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationStateValuationAllowance" abstract="false" name="EffectiveIncomeTaxRateReconciliationStateValuationAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationSaleLeasebackTransaction" abstract="false" name="EffectiveIncomeTaxRateReconciliationSaleLeasebackTransaction" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationOtherPermanentDifferences" abstract="false" name="EffectiveIncomeTaxRateReconciliationOtherPermanentDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationOther" abstract="false" name="EffectiveIncomeTaxRateReconciliationOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationStateValuationAllowancePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationStateValuationAllowancePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationShareBasedCompensation" abstract="false" name="EffectiveIncomeTaxRateReconciliationShareBasedCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_EffectiveIncomeTaxRateReconciliationSaleLeasebackTransactionPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationSaleLeasebackTransactionPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_DeferredTaxAssetsClaimsReserveDiscount" abstract="false" name="DeferredTaxAssetsClaimsReserveDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredTaxAssetsDeferredCedingCommissionRevenues" abstract="false" name="DeferredTaxAssetsDeferredCedingCommissionRevenues" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetDeferredIncomeTaxLiabilityAsset" abstract="false" name="NetDeferredIncomeTaxLiabilityAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredTaxAssetsFederalOnlyNOL" abstract="false" name="DeferredTaxAssetsFederalOnlyNOL" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredTaxAssetsStateOnly" abstract="false" name="DeferredTaxAssetsStateOnly" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredTaxAssetsStateOnlyNetOfValuationAllowance" abstract="false" name="DeferredTaxAssetsStateOnlyNetOfValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_KIKOMember" abstract="true" name="KIKOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AvailableStateNOLsPercent" abstract="false" name="AvailableStateNOLsPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_DecreaseInNetDeferredIncomeTaxAssets" abstract="false" name="DecreaseInNetDeferredIncomeTaxAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DeferredTaxExpenseAllocatedToOtherComprehensiveIncome" abstract="false" name="DeferredTaxExpenseAllocatedToOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EmployeeBonusPlanMember" abstract="false" name="EmployeeBonusPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ExecutiveBonusPlanMember" abstract="false" name="ExecutiveBonusPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_IncreaseDecreaseToBonusAccrual" abstract="false" name="IncreaseDecreaseToBonusAccrual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_EmploymentAgreementMember" abstract="true" name="EmploymentAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_January2023Member" abstract="true" name="January2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_AmendedEmploymentAgreementMember" abstract="true" name="AmendedEmploymentAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_GoldenEmloymentAgreementMember" abstract="true" name="GoldenEmloymentAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_JanuaryOneTwoThousandTwentyFiveMember" abstract="true" name="JanuaryOneTwoThousandTwentyFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_MeryGoldenChiefOperatingOfficerMember" abstract="true" name="MeryGoldenChiefOperatingOfficerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNumberOfVestingInstallments" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNumberOfVestingInstallments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kins_ShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockNumberOfVestingInstallments" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockNumberOfVestingInstallments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kins_PercentOfAveragePerAnnum" abstract="false" name="PercentOfAveragePerAnnum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_AnnualBonusMaximumAsMultipleOfBaseSalary" abstract="false" name="AnnualBonusMaximumAsMultipleOfBaseSalary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="kins_TerminationPaymentAsMultipleOfAnnualBaseSalaryAndAccruedBonus" abstract="false" name="TerminationPaymentAsMultipleOfAnnualBaseSalaryAndAccruedBonus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="kins_TerminationPaymentAsMultipleOfAnnualBaseSalaryAndAccruedBonusPeriod" abstract="false" name="TerminationPaymentAsMultipleOfAnnualBaseSalaryAndAccruedBonusPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kins_CashPaymentsIncludedInTheMeasurementOfLeaseLiabilityInOperatingCashFlows" abstract="false" name="CashPaymentsIncludedInTheMeasurementOfLeaseLiabilityInOperatingCashFlows" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_Options" abstract="false" name="Options" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kins_EffectOfDilutiveSecuritiesCommonShareEquivalentsOfWarrants" abstract="false" name="EffectOfDilutiveSecuritiesCommonShareEquivalentsOfWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_ComponentsOfNetCombinedRatioAbstract" abstract="true" name="ComponentsOfNetCombinedRatioAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_PremiumsEarnedNetNetCombinedRatio" abstract="false" name="PremiumsEarnedNetNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CedingCommissionRevenueNetCombinedRatio" abstract="false" name="CedingCommissionRevenueNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OtherIncomeNetCombinedRatio" abstract="false" name="OtherIncomeNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_RevenuesNetCombinedRatio" abstract="false" name="RevenuesNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_LossAndLossAdjustmentExpensesNetCombinedRatio" abstract="false" name="LossAndLossAdjustmentExpensesNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NoninterestExpenseCommissionExpenseNetCombinedRatio" abstract="false" name="NoninterestExpenseCommissionExpenseNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OtherUnderwritingExpenseNetCombinedRatio" abstract="false" name="OtherUnderwritingExpenseNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OperatingExpensesNetCombinedRatio" abstract="false" name="OperatingExpensesNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetIncomeLossAttributableToParentNetCombinedRatio" abstract="false" name="NetIncomeLossAttributableToParentNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ComponentsExcludedFromNetCombinedRatioAbstract" abstract="true" name="ComponentsExcludedFromNetCombinedRatioAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kins_NetInvestmentIncomeExcludedFromNetCombinedRatio" abstract="false" name="NetInvestmentIncomeExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_GainLossOnInvestmentsExcludedFromNetCombinedRatio" abstract="false" name="GainLossOnInvestmentsExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OtherIncomeExcludedFromNetCombinedRatio" abstract="false" name="OtherIncomeExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_RevenuesExcludedFromNetCombinedRatio" abstract="false" name="RevenuesExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OtherCostAndExpenseOperatingExcludedFromNetCombinedRatio" abstract="false" name="OtherCostAndExpenseOperatingExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_DepreciationDepletionAndAmortizationNonproductionExcludedFromNetCombinedRatio" abstract="false" name="DepreciationDepletionAndAmortizationNonproductionExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_InterestExpenseOperatingExcludedFromNetCombinedRatio" abstract="false" name="InterestExpenseOperatingExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_IncomeTaxExpenseBenefitExcludedFromNetCombinedRatio" abstract="false" name="IncomeTaxExpenseBenefitExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_OperatingExpensesExcludedFromNetCombinedRatio" abstract="false" name="OperatingExpensesExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_NetIncomeLossAttributableToParentExcludedFromNetCombinedRatio" abstract="false" name="NetIncomeLossAttributableToParentExcludedFromNetCombinedRatio" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_CommissionExpenseAndOtherUnderwritingExpenses" abstract="false" name="CommissionExpenseAndOtherUnderwritingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_TotalCommissionAndOtherUnderwritingExpenses" abstract="false" name="TotalCommissionAndOtherUnderwritingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kins_ReturnOnEquityNetInvestmentIncome" abstract="false" name="ReturnOnEquityNetInvestmentIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_ReturnOnEquityNetInvestmentIncomeAnnualized" abstract="false" name="ReturnOnEquityNetInvestmentIncomeAnnualized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="kins_NotesTwentyTwentyFourMember" abstract="true" name="NotesTwentyTwentyFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kins_PremiumEarnedNotSubjectToConcentrationMember" abstract="true" name="PremiumEarnedNotSubjectToConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
