Dear Select Producer,


We're excited to share that we are again writing seasonal and secondary homes in New York! As we prepare for this exciting time, we have some important updates regarding requirements for these properties.

Form Updates:


We have updated our New York Seasonal Secondary Safeguard Endorsement to outline the responsibilities of policyholders, and failure to meet these requirements can limit claim settlement if a freeze claim occurs. This will be required on all new business submitted and will be added to renewal risks beginning May 19, 2024.

Seasonal Secondary Safeguard Endorsement (HO3, HO5)
Seasonal Secondary Safeguard Endorsement (HO6)          

This form outlines the requirements for these NY homes, including:

  • Maintaining heat at 60 degrees Fahrenheit and an installed water leak detection system with automatic mainline shutoff device with battery backup or


  • Winterization, including shutting off the water supply and draining all systems and appliances of water.

Additionally, we understand the importance of providing peace of mind and protection for our policyholders, which is why we're also excited to introduce Zojacks water mitigation technology.

Kingstone's Partner in Preventing Extensive Water Damage


With Zojacks, your New York clients can safeguard their properties against water damage, even when the power is impacted by a storm and ensure they receive a policy discount associated with installing such a device.

Learn How Zojacks Works

NOTE: Zojacks is reasonably priced and meets all of our requirements.

Zojacks Resources: Product Overview & FAQ

By incorporating the Zojacks solution into our requirements, we're not only enhancing the safety and security of our New York policyholders' homes but also providing them with added value and peace of mind.

Download Zojacks Product Overview

Download Zojacks FAQ

Stay tuned for more information regarding Zojacks, training webinars and resources for you and your clients to review. Should you have any questions or require further information about these new requirements, please don't hesitate to contact your Kingstone Marketing Representative.


As always, thank you for being a Kingstone Select Producer!

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Kingstone Insurance Company | 800.364.7045 | kingstoneinsurance.com