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	  <link:definition>00000048 - Disclosure - 6. Property and Casualty Insurance Activity (Details 5)</link:definition>
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	  <link:definition>00000049 - Disclosure - 6. Property and Casualty Insurance Activity (Details 6)</link:definition>
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	  <link:definition>00000050 - Disclosure - 6. Property and Casualty Insurance Activity (Details 7)</link:definition>
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	  <link:definition>00000051 - Disclosure - 6. Property and Casualty Insurance Activity (Details Narrative)</link:definition>
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	  <link:definition>00000052 - Disclosure - 7. Debt (Details)</link:definition>
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	  <link:definition>00000053 - Disclosure - 8. Stockholders' Equity (Details)</link:definition>
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	  <link:definition>00000054 - Disclosure - 8. Stockholders' Equity (Details Narrative)</link:definition>
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	  <link:definition>00000055 - Disclosure - 9. Income Taxes (Details)</link:definition>
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	  <link:definition>00000056 - Disclosure - 9. Income Taxes (Details 1)</link:definition>
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    <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" />
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    <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" />
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    <element id="KINS_FixedMaturitySecuritiesMortgageBackedSecuritiesMember" name="FixedMaturitySecuritiesMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <element id="KINS_Plan2014Member" name="Plan2014Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <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" />
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    <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" />
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    <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" />
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    <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" />
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    <element id="KINS_RangeSixtyTwoMember" name="RangeSixtyTwoMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="KINS_RangeSixtyThreeMember" name="RangeSixtyThreeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <element id="KINS_RangeSixtyFiveMember" name="RangeSixtyFiveMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <element id="KINS_RangeSeventyOneMember" name="RangeSeventyOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <element id="KINS_RangeSeventyFourMember" name="RangeSeventyFourMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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    <element id="KINS_IssuanceCostsMember" name="IssuanceCostsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
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</schema>
