<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: QXInteractive; Version: 4.18a -->
    <!-- Field: Doc-Info; Name: Source; Value: 166819 03312017 10Q1.xfr; Date: 2017%2D05%2D10T22:35:08Z -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x80030004 -->
    <!-- Field: Doc-Info; Name: Misc; Value: /6kps7xRiXgen8uKYXQsSaGDmaPtxZp8iZlBuWp+bblaryMnfPiyQi+eB1u2sRoD -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2014-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2016-01-31" xmlns:us-roles="http://fasb.org/us-roles/2016-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2016-01-31" xmlns:KINS="http://kingstonecompanies.com/20170331" elementFormDefault="qualified" targetNamespace="http://kingstonecompanies.com/20170331">
    <annotation>
      <appinfo>
	<link:roleType roleURI="http://kingstonecompanies.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
	  <link:definition>00000001 - Document - Document and Entity Information</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/BalanceSheets" id="BalanceSheets">
	  <link:definition>00000002 - Statement - Condensed Consolidated Balance Sheets</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/BalanceSheetsParenthetical" id="BalanceSheetsParenthetical">
	  <link:definition>00000003 - Statement - Condensed Consolidated Balance Sheets (Parenthetical)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StatementsOfIncomeAndComprehensiveIncome" id="StatementsOfIncomeAndComprehensiveIncome">
	  <link:definition>00000004 - Statement - Condensed Consolidated Statements of Income and Comprehensive Income (Unaudited)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StatementOfStockholdersEquity" id="StatementOfStockholdersEquity">
	  <link:definition>00000005 - Statement - Condensed Consolidated Statement of Stockholders' Equity (Unaudited)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StatementOfStockholdersEquityParenthetical" id="StatementOfStockholdersEquityParenthetical">
	  <link:definition>00000006 - Statement - Condensed Consolidated Statement of Stockholders' Equity (Parenthetical)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StatementsOfCashFlows" id="StatementsOfCashFlows">
	  <link:definition>00000007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/NatureOfBusinessAndBasisOfPresentation" id="NatureOfBusinessAndBasisOfPresentation">
	  <link:definition>00000008 - Disclosure - 1. Nature of Business and Basis of Presentation</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/AccountingPolicies" id="AccountingPolicies">
	  <link:definition>00000009 - Disclosure - 2. Accounting Policies</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/Investments" id="Investments">
	  <link:definition>00000010 - Disclosure - 3. Investments</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueMeasurements" id="FairValueMeasurements">
	  <link:definition>00000011 - Disclosure - 4. Fair Value Measurements</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueOfFinancialInstruments" id="FairValueOfFinancialInstruments">
	  <link:definition>00000012 - Disclosure - 5. Fair Value of Financial Instruments</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivity" id="PropertyAndCasualtyInsuranceActivity">
	  <link:definition>00000013 - Disclosure - 6. Property and Casualty Insurance Activity</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StockholdersEquity" id="StockholdersEquity">
	  <link:definition>00000014 - Disclosure - 7. Stockholders' Equity</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/IncomeTaxes" id="IncomeTaxes">
	  <link:definition>00000015 - Disclosure - 8. Income Taxes</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/EarningsPerCommonShare" id="EarningsPerCommonShare">
	  <link:definition>00000016 - Disclosure - 9. Earnings Per Common Share</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
	  <link:definition>00000017 - Disclosure - 10. Commitments and Contingencies</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/SubsequentEvents" id="SubsequentEvents">
	  <link:definition>00000018 - Disclosure - 11. Subsequent Events</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/AccountingPoliciesPolicies" id="AccountingPoliciesPolicies">
	  <link:definition>00000019 - Disclosure - 2. Accounting Policies (Policies)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsTables" id="InvestmentsTables">
	  <link:definition>00000020 - Disclosure - 3. Investments (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueMeasurementsTables" id="FairValueMeasurementsTables">
	  <link:definition>00000021 - Disclosure - 4. Fair Value Measurements (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueOfFinancialInstrumentsTables" id="FairValueOfFinancialInstrumentsTables">
	  <link:definition>00000022 - Disclosure - 5. Fair Value of Financial Instruments (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityTables" id="PropertyAndCasualtyInsuranceActivityTables">
	  <link:definition>00000023 - Disclosure - 6. Property and Casualty Insurance Activity (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StockholdersEquityTables" id="StockholdersEquityTables">
	  <link:definition>00000024 - Disclosure - 7. Stockholders' Equity (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/IncomeTaxesTables" id="IncomeTaxesTables">
	  <link:definition>00000025 - Disclosure - 8. Income Taxes (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/EarningsPerCommonShareTables" id="EarningsPerCommonShareTables">
	  <link:definition>00000026 - Disclosure - 9. Earnings Per Common Share (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/CommitmentsAndContingenciesTables" id="CommitmentsAndContingenciesTables">
	  <link:definition>00000027 - Disclosure - 10. Commitments and Contingencies (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails" id="InvestmentsDetails">
	  <link:definition>00000028 - Disclosure - 3. Investments (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails1" id="InvestmentsDetails1">
	  <link:definition>00000029 - Disclosure - 3. Investments (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails2" id="InvestmentsDetails2">
	  <link:definition>00000030 - Disclosure - 3. Investments (Details 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails3" id="InvestmentsDetails3">
	  <link:definition>00000031 - Disclosure - 3. Investments (Details 3)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails4" id="InvestmentsDetails4">
	  <link:definition>00000032 - Disclosure - 3. Investments (Details 4)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails5" id="InvestmentsDetails5">
	  <link:definition>00000033 - Disclosure - 3. Investments (Details 5)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetails6" id="InvestmentsDetails6">
	  <link:definition>00000034 - Disclosure - 3. Investments (Details 6)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/InvestmentsDetailsNarrative" id="InvestmentsDetailsNarrative">
	  <link:definition>00000035 - Disclosure - 3. Investments (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueMeasurementsDetails" id="FairValueMeasurementsDetails">
	  <link:definition>00000036 - Disclosure - 4. Fair Value Measurements (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/FairValueOfFinancialInstrumentsDetails" id="FairValueOfFinancialInstrumentsDetails">
	  <link:definition>00000037 - Disclosure - 5. Fair Value of Financial Instruments (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails" id="PropertyAndCasualtyInsuranceActivityDetails">
	  <link:definition>00000038 - Disclosure - 6. Property and Casualty Insurance Activity (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails1" id="PropertyAndCasualtyInsuranceActivityDetails1">
	  <link:definition>00000039 - Disclosure - 6. Property and Casualty Insurance Activity (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails2" id="PropertyAndCasualtyInsuranceActivityDetails2">
	  <link:definition>00000040 - Disclosure - 6. Property and Casualty Insurance Activity (Details 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails3" id="PropertyAndCasualtyInsuranceActivityDetails3">
	  <link:definition>00000041 - Disclosure - 6. Property and Casualty Insurance Activity (Details 3)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails4" id="PropertyAndCasualtyInsuranceActivityDetails4">
	  <link:definition>00000042 - Disclosure - 6. Property and Casualty Insurance Activity (Details 4)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails5" id="PropertyAndCasualtyInsuranceActivityDetails5">
	  <link:definition>00000043 - Disclosure - 6. Property and Casualty Insurance Activity (Details 5)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetails6" id="PropertyAndCasualtyInsuranceActivityDetails6">
	  <link:definition>00000044 - Disclosure - 6. Property and Casualty Insurance Activity (Details 6)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/PropertyAndCasualtyInsuranceActivityDetailsNarrative" id="PropertyAndCasualtyInsuranceActivityDetailsNarrative">
	  <link:definition>00000045 - Disclosure - 6. Property and Casualty Insurance Activity (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StockholdersEquityDetails" id="StockholdersEquityDetails">
	  <link:definition>00000046 - Disclosure - 7. Stockholders' Equity (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StockholdersEquityDetails1" id="StockholdersEquityDetails1">
	  <link:definition>00000047 - Disclosure - 7. Stockholders' Equity (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/StockholdersEquityDetailsNarrative" id="StockholdersEquityDetailsNarrative">
	  <link:definition>00000048 - Disclosure - 7. Stockholders' Equity (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/IncomeTaxesDetails" id="IncomeTaxesDetails">
	  <link:definition>00000049 - Disclosure - 8. Income Taxes (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/IncomeTaxesDetails1" id="IncomeTaxesDetails1">
	  <link:definition>00000050 - Disclosure - 8. Income Taxes (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/IncomeTaxesDetailsNarrative" id="IncomeTaxesDetailsNarrative">
	  <link:definition>00000051 - Disclosure - 8. Income Taxes (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/EarningsPerCommonShareDetails" id="EarningsPerCommonShareDetails">
	  <link:definition>00000052 - Disclosure - 9. Earnings Per Common Share (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/EarningsPerCommonShareDetailsNarrative" id="EarningsPerCommonShareDetailsNarrative">
	  <link:definition>00000053 - Disclosure - 9. Earnings Per Common Share (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/CommitmentsAndContingenciesDetails" id="CommitmentsAndContingenciesDetails">
	  <link:definition>00000054 - Disclosure - 10. Commitments and Contingencies (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://kingstonecompanies.com/role/CommitmentsAndContingenciesDetailsNarrative" id="CommitmentsAndContingenciesDetailsNarrative">
	  <link:definition>00000055 - Disclosure - 10. Commitments and Contingencies (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:linkbaseRef xlink:type="simple" xlink:href="kins-20170331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="kins-20170331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="kins-20170331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="kins-20170331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
    <import namespace="http://fasb.org/us-gaap/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd" />
    <import namespace="http://fasb.org/us-types/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-types-2016-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <element id="KINS_PropertyAndCasualtyInsuranceActivityTextBlock" name="PropertyAndCasualtyInsuranceActivityTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfHeldToMaturitySecurities" name="ScheduleOfHeldToMaturitySecurities" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfHeldToMaturitySecuritiesByContractualMaturity" name="ScheduleOfHeldToMaturitySecuritiesByContractualMaturity" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfInvestmentIncome" name="ScheduleOfInvestmentIncome" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfSecuritiesWithRealizedGainsAndLossesOnInvestmentsTableTextBlock" name="ScheduleOfSecuritiesWithRealizedGainsAndLossesOnInvestmentsTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LossesSubjectToAnnualLimitationTableTextBlock" name="LossesSubjectToAnnualLimitationTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfNetIncomePerCommonShareTextBlock" name="ScheduleOfNetIncomePerCommonShareTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AdvancePremiums" name="AdvancePremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecuritiesAvailableForSaleCost" name="EquitySecuritiesAvailableForSaleCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_DividendsDeclaredAndPaidPerCommonShare" name="DividendsDeclaredAndPaidPerCommonShare" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ProceedsFromIssuanceInitialPublicOfferingShares" name="ProceedsFromIssuanceInitialPublicOfferingShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ExerciseOfStockOptionsShares" name="ExerciseOfStockOptionsShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetUnrealizedGainsOnSecuritiesAvailableForSaleNetOfIncomeTax" name="NetUnrealizedGainsOnSecuritiesAvailableForSaleNetOfIncomeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_OfferingCosts" name="OfferingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncreseDecreseInAdvancePremiums" name="IncreseDecreseInAdvancePremiums" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PurchaseFixedmaturitySecuritiesHeldtomaturity" name="PurchaseFixedmaturitySecuritiesHeldtomaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AvailableForSaleSecuritiesFairValueDisclosure1" name="AvailableForSaleSecuritiesFairValueDisclosure1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetUnrealizedGainslosses" name="NetUnrealizedGainslosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValue" name="FairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AmortizedCost" name="AmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetUnrealizedGainslosses1" name="NetUnrealizedGainslosses1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValue1" name="FairValue1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_GrossUnrealizedLossmoreThan12Months" name="GrossUnrealizedLossmoreThan12Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_GrossUnrealizedLosseslessThan12Months" name="GrossUnrealizedLosseslessThan12Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_GrossUnrealizedGains" name="GrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CostOrAmortizedCost" name="CostOrAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValueHeldToMaturitySecurities" name="FairValueHeldToMaturitySecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AmortizedCostHeldToMaturitySecurities" name="AmortizedCostHeldToMaturitySecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CashAndCashEquivalents" name="CashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecurities1" name="EquitySecurities1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedmaturitySecurities" name="FixedmaturitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalInvestments" name="TotalInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalFixedMaturitySecurities" name="TotalFixedMaturitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_GrossRealizedLosses" name="GrossRealizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_GrossRealizedGains" name="GrossRealizedGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquityInvestments" name="EquityInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CorporateAndOtherBondsIndustrialAndMiscellaneous" name="CorporateAndOtherBondsIndustrialAndMiscellaneous" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PoliticalSubdivisionsOfStatesTerritoriesAndPossessions" name="PoliticalSubdivisionsOfStatesTerritoriesAndPossessions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedmaturityInvestmentsHeldToMaturity" name="FixedmaturityInvestmentsHeldToMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetPropertyAndCasultyInsuranceActivity" name="NetPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CededPropertyAndCasultyInsuranceActivity" name="CededPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AssumedPropertyAndCasultyInsuranceActivity" name="AssumedPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_DirectPropertyAndCasultyInsuranceActivity" name="DirectPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_BalanceAtEndOfPeriod" name="BalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AddReinsuranceRecoverables" name="AddReinsuranceRecoverables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetBalanceAtEndOfPeriod" name="NetBalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PaidRelatedToTotalPaid" name="PaidRelatedToTotalPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PaidRelatedToPriorYears" name="PaidRelatedToPriorYears" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PaidRelatedToCurrentYear" name="PaidRelatedToCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalIncurredPropertyAndCasultyInsuranceActivity" name="TotalIncurredPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PriorYearsPropertyAndCasultyInsuranceActivity" name="PriorYearsPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CurrentYearPropertyAndCasultyInsuranceActivity" name="CurrentYearPropertyAndCasultyInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetBalanceBeginningOfPeriod" name="NetBalanceBeginningOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LessReinsuranceRecoverables" name="LessReinsuranceRecoverables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NumberOfOptionsExercised" name="NumberOfOptionsExercised" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_WeightedAverageRemainingContractualLifeInYearsOutstandingBeginning" name="WeightedAverageRemainingContractualLifeInYearsOutstandingBeginning" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_DeferredCedingCommissionRevenue" name="DeferredCedingCommissionRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_UnearnedPremium" name="UnearnedPremium" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ClaimsReserveDiscount" name="ClaimsReserveDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetUnrealizedAppreciationOfSecuritiesAvailableForSale" name="NetUnrealizedAppreciationOfSecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Intangibles" name="Intangibles" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_DeferredAcquisitionCosts" name="DeferredAcquisitionCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentInKico2" name="InvestmentInKico2" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AmountSubjectToAnnualLimitationFederalOnlyB" name="AmountSubjectToAnnualLimitationFederalOnlyB" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StateOnlyNetOfValuationAllowance" name="StateOnlyNetOfValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StateOnly" name="StateOnly" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StateOnlyOperatingLossCarryforwardExpirationDate" name="StateOnlyOperatingLossCarryforwardExpirationDate" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AmountSubjectToAnnualLimitationFederalOnlyBExpirationDate" name="AmountSubjectToAnnualLimitationFederalOnlyBExpirationDate" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_UnamortizedCompensationCostRelatedToUnvestedStockOptionAwards" name="UnamortizedCompensationCostRelatedToUnvestedStockOptionAwards" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_UnamortizedCompensationCostVestingPeriod" name="UnamortizedCompensationCostVestingPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StockbasedCompensationExpenseRelatedToStockOptionsIsNetOfEstimatedForfeitures" name="StockbasedCompensationExpenseRelatedToStockOptionsIsNetOfEstimatedForfeitures" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2017" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2017" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2016" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2016" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2015" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2015" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2014" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2014" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2013" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2013" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2012" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2012" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2011" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2011" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2010" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2010" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2009" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2009" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2008" name="ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpense2008" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AllOutstandingLiabilitiesBefore2007NetOfReinsurance" name="AllOutstandingLiabilitiesBefore2007NetOfReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2015" name="IncurredClaimsPropertyCasualtyAndLiability2015" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2014" name="IncurredClaimsPropertyCasualtyAndLiability2014" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2013" name="IncurredClaimsPropertyCasualtyAndLiability2013" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2012" name="IncurredClaimsPropertyCasualtyAndLiability2012" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2011" name="IncurredClaimsPropertyCasualtyAndLiability2011" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2010" name="IncurredClaimsPropertyCasualtyAndLiability2010" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2009" name="IncurredClaimsPropertyCasualtyAndLiability2009" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2008" name="IncurredClaimsPropertyCasualtyAndLiability2008" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ContingentCedingCommissionsEarned" name="ContingentCedingCommissionsEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalCommissionsEarned" name="TotalCommissionsEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RiskRetained" name="RiskRetained" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PercentCeded" name="PercentCeded" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RiskRetained1" name="RiskRetained1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LossesPerOccurrenceSubjectToQuotaShareReinsuranceCoverage" name="LossesPerOccurrenceSubjectToQuotaShareReinsuranceCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ExpirationDate" name="ExpirationDate" nillable="true" xbrli:periodType="duration" type="xbrli:dateItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LossesPerOccurrenceSubjectToReinsuranceCoverage" name="LossesPerOccurrenceSubjectToReinsuranceCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalReinsuranceCoveragePerOccurrence" name="TotalReinsuranceCoveragePerOccurrence" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ExcessOfLossCoverageAboveQuotaShareCoverage" name="ExcessOfLossCoverageAboveQuotaShareCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InExcessOf" name="InExcessOf" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PercentCededFirstMillionDollarsOfCoverage" name="PercentCededFirstMillionDollarsOfCoverage" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PercentCededExcessOfOneMillionOfCoverage" name="PercentCededExcessOfOneMillionOfCoverage" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PercentCededTerminatedEffectiveFirstJulyTwoThousandFourteen" name="PercentCededTerminatedEffectiveFirstJulyTwoThousandFourteen" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ReinstatementPremiumProtection" name="ReinstatementPremiumProtection" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_SevereWinterWeatherAggregate" name="SevereWinterWeatherAggregate" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CatastropheLossCoverageInExcessOfQuotaShareCoverageWinterStormCoverage1" name="CatastropheLossCoverageInExcessOfQuotaShareCoverageWinterStormCoverage1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RiskRetainedPerCatastropheOccurrence" name="RiskRetainedPerCatastropheOccurrence" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InitialLossSubjectToPersonalLinesQuotaShareTreaty" name="InitialLossSubjectToPersonalLinesQuotaShareTreaty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfLineOfBusinessTableTextBlock" name="ScheduleOfLineOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfSingleMaximumRisksUnderTreatiesTextBlock" name="ScheduleOfSingleMaximumRisksUnderTreatiesTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfCedingCommissionRevenueTextBlock" name="ScheduleOfCedingCommissionRevenueTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfEarnedPremiumsTextBlock" name="ScheduleOfEarnedPremiumsTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ScheduleOfLossAndLossAdjustmentExpensesTextBlock" name="ScheduleOfLossAndLossAdjustmentExpensesTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AllocatedClaimAdjustmentExpensesTableTextBlock" name="AllocatedClaimAdjustmentExpensesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AdvancePremiumsOfPolicy" name="AdvancePremiumsOfPolicy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PriorYearLossDevelopment" name="PriorYearLossDevelopment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CommercialAutoPoliciesInForce" name="CommercialAutoPoliciesInForce" nillable="true" xbrli:periodType="instant" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ReconciliationOfNetIncurredAndPaidClaimsTableTextBlock" name="ReconciliationOfNetIncurredAndPaidClaimsTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2017" name="IncurredClaimsPropertyCasualtyAndLiability2017" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredClaimsPropertyCasualtyAndLiability2016" name="IncurredClaimsPropertyCasualtyAndLiability2016" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedMaturitySecuritiesPoliticalSubdivisionsOfStatesTerritoriesAndPossessionsMember" name="FixedMaturitySecuritiesPoliticalSubdivisionsOfStatesTerritoriesAndPossessionsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedMaturitySecuritiesCorporateAndOtherBondsIndustrialAndMiscellaneousMember" name="FixedMaturitySecuritiesCorporateAndOtherBondsIndustrialAndMiscellaneousMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedMaturitySecuritiesTotalFixedMaturitySecuritiesMember" name="FixedMaturitySecuritiesTotalFixedMaturitySecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecuritiesPreferredStocksMember" name="EquitySecuritiesPreferredStocksMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecuritiesCommonStocksMember" name="EquitySecuritiesCommonStocksMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecuritiesTotalEquitySecuritiesMember" name="EquitySecuritiesTotalEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LessThanOneYearMember" name="LessThanOneYearMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_OneToFiveYearsMember" name="OneToFiveYearsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FiveToTenYearsMember" name="FiveToTenYearsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_MoreThan10YearsMember" name="MoreThan10YearsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Level1Member" name="Level1Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Level2Member" name="Level2Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Level3Member" name="Level3Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CarryingValueMember" name="CarryingValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValueMember" name="FairValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalNoteMember" name="TotalNoteMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CurrentMaturitiesMember" name="CurrentMaturitiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LongTermMember" name="LongTermMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ChangesInUnearnedPremiumsMember" name="ChangesInUnearnedPremiumsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PremiumsEarnedMember" name="PremiumsEarnedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalDebtMember" name="TotalDebtMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_LessCurrentMaturitiesMember" name="LessCurrentMaturitiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CapitalInExcessOfParMember" name="CapitalInExcessOfParMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AsPreviouslyFiledMember" name="AsPreviouslyFiledMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RestatedMember" name="RestatedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_AsPreviouslyStatedMember" name="AsPreviouslyStatedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeOneMember" name="RangeOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwoMember" name="RangeTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThreeMember" name="RangeThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PersonalUmbrellaMember" name="PersonalUmbrellaMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourMember" name="RangeFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiveMember" name="RangeFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSixMember" name="RangeSixMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSevenMember" name="RangeSevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeEightMember" name="RangeEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeNineMember" name="RangeNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CommercialAutomobileMember" name="CommercialAutomobileMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTenMember" name="RangeTenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeElevenMember" name="RangeElevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwelveMember" name="RangeTwelveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirteenMember" name="RangeThirteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourteenMember" name="RangeFourteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFifteenMember" name="RangeFifteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PremiumsWrittenMember" name="PremiumsWrittenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSixteenMember" name="RangeSixteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSeventeenMember" name="RangeSeventeenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeEighteenMember" name="RangeEighteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeNinteenMember" name="RangeNinteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyMember" name="RangeTwentyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyOneMember" name="RangeTwentyOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyTwoMember" name="RangeTwentyTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyThreeMember" name="RangeTwentyThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyFourMember" name="RangeTwentyFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyFiveMember" name="RangeTwentyFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentySixMember" name="RangeTwentySixMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentySevenMember" name="RangeTwentySevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyEightMember" name="RangeTwentyEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeTwentyNineMember" name="RangeTwentyNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyMember" name="RangeThirtyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FixedMaturitySecuritiesMortgageBackedSecuritiesMember" name="FixedMaturitySecuritiesMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Plan2005Member" name="Plan2005Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Plan2014Member" name="Plan2014Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSisteenMember" name="RangeSisteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyOneMember" name="RangeThirtyOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyTwoMember" name="RangeThirtyTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyThreeMember" name="RangeThirtyThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyFourMember" name="RangeThirtyFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyFiveMember" name="RangeThirtyFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtySixMember" name="RangeThirtySixMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtySevenMember" name="RangeThirtySevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyEightMember" name="RangeThirtyEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeThirtyNineMember" name="RangeThirtyNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyMember" name="RangeFourtyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyOneMember" name="RangeFourtyOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyTwoMember" name="RangeFourtyTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyThreeMember" name="RangeFourtyThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyFourMember" name="RangeFourtyFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFourtyFiveMember" name="RangeFourtyFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFortysixMember" name="RangeFortysixMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_SubsequentEventsMember" name="SubsequentEventsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFortySevenMember" name="RangeFortySevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFortyEightMember" name="RangeFortyEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFortyNineMember" name="RangeFortyNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyMember" name="RangeFiftyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyOneMember" name="RangeFiftyOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyTwoMember" name="RangeFiftyTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftytyThreeMember" name="RangeFiftytyThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyFourMember" name="RangeFiftyFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyFiveMember" name="RangeFiftyFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftySixMember" name="RangeFiftySixMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftySevenMember" name="RangeFiftySevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyEightMember" name="RangeFiftyEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeFiftyNineMember" name="RangeFiftyNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSixtyMember" name="RangeSixtyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CommercialUmbrellaMember" name="CommercialUmbrellaMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandSevenMember" name="TwoThousandSevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandEightMember" name="TwoThousandEightMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandNineMember" name="TwoThousandNineMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandTenMember" name="TwoThousandTenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandElevenMember" name="TwoThousandElevenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandTwelveMember" name="TwoThousandTwelveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandThirteenMember" name="TwoThousandThirteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandFourteenMember" name="TwoThousandFourteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandFifteenMember" name="TwoThousandFifteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandSixteenMember" name="TwoThousandSixteenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TwoThousandSeventeenMember" name="TwoThousandSeventeenMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ReceivablesReinsuranceContracts" name="ReceivablesReinsuranceContracts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CondensedConsolidatedBalanceSheetsParentheticalAbstract" name="CondensedConsolidatedBalanceSheetsParentheticalAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ProceedsFromIssuanceOfPrivatePlacementShares" name="ProceedsFromIssuanceOfPrivatePlacementShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ClosingCosts" name="ClosingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ReceivablesReinsuranceContract" name="ReceivablesReinsuranceContract" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ProceedsRecoveryOfLossFromFailedBank" name="ProceedsRecoveryOfLossFromFailedBank" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_WithholdingTaxesPaidOnNetExerciseOfStockOptions" name="WithholdingTaxesPaidOnNetExerciseOfStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_SharesDeductedFromExerciseOfStockOptionsForPaymentOfWithholdingTaxes" name="SharesDeductedFromExerciseOfStockOptionsForPaymentOfWithholdingTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_CommitmentsAndContingenciesTablesAbstract" name="CommitmentsAndContingenciesTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetailsAbstract" name="InvestmentsDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails1Abstract" name="InvestmentsDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails2Abstract" name="InvestmentsDetails2Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails3Abstract" name="InvestmentsDetails3Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails4Abstract" name="InvestmentsDetails4Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Income" name="Income" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_Other" name="Other" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_ExpensesAbstract" name="ExpensesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails5Abstract" name="InvestmentsDetails5Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_EquitySecurities" name="EquitySecurities" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_OtherthantemporaryImpairmentLossesAbstract" name="OtherthantemporaryImpairmentLossesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_OtherthantemporaryImpairmentLossesFixedMaturitySecurities" name="OtherthantemporaryImpairmentLossesFixedMaturitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalOtherThanTemporaryImpairmentLosses" name="TotalOtherThanTemporaryImpairmentLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetails6Abstract" name="InvestmentsDetails6Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_InvestmentsDetailsNarrativeAbstract" name="InvestmentsDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValueMeasurementsDetails1Abstract" name="FairValueMeasurementsDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_FairValueOfFinancialInstrumentsAbstract" name="FairValueOfFinancialInstrumentsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PropertyAndCasultyInsuranceActivityDetailsAbstract" name="PropertyAndCasultyInsuranceActivityDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PropertyAndCasultyInsuranceActivityDetails1Abstract" name="PropertyAndCasultyInsuranceActivityDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncurredRelatedTo" name="IncurredRelatedTo" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PaidRelatedTo" name="PaidRelatedTo" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PropertyAndCasultyInsuranceActivityDetails2Abstract" name="PropertyAndCasultyInsuranceActivityDetails2Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_TotalCoveragePerOccurrence" name="TotalCoveragePerOccurrence" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_PropertyAndCasultyInsuranceActivityDetailsNarrativeAbstract" name="PropertyAndCasultyInsuranceActivityDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_SubsequentEventsTypeAxis" name="SubsequentEventsTypeAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="KINS_SubsequentEventsTypeDomain" name="SubsequentEventsTypeDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StockholdersEquityDetails1Abstract" name="StockholdersEquityDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_StockholdersEquityDetailsNarrativeAbstract" name="StockholdersEquityDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncomeTaxesDetails1Abstract" name="IncomeTaxesDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncomeTaxesDetails2Abstract" name="IncomeTaxesDetails2Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_IncomeTaxesDetailsNarrativeAbstract" name="IncomeTaxesDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetIncomePerShareDetailsAbstract" name="NetIncomePerShareDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_NetIncomePerCommonShareAbstract" name="NetIncomePerCommonShareAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
