Products
Narragansett Bay Insurance Company offers homeowners, tenant and landlord’s coverage in Rhode Island, Massachusetts, and New York. NBIC’s underwriting and loss control process is uniquely suited to respond to the needs of residents in the Northeast, which enables our company to focus our resources on developing the best price and coverage for our customers.
Our homeowners policies provide several types of insurance protection, each with its own coverage limit(s). This includes coverage for the following:
- Your dwelling
- Structures not attached to your home
- Household contents and personal belongings
- Expenses incurred because of loss-of-use due to a fire or other covered occurrence
We also offer the following optional coverages and endorsements:
- Replacement Cost Options
- Valuable Property (jewelry, furs, fine arts, etc.)
- Inflation Guard
- Personal umbrella liability
Our Dwelling Fire policy provides coverage for up to four units, rental properties, or those residential one and two family properties that might otherwise not be eligible for homeowners coverage. Other individual coverages may be added to the basic policy.
You may qualify for coverage under a Personal Inland Marine endorsement, which provides coverage for the following items:
Cameras - Computers
- Fine Arts
- Furs
- Jewelry
- Musical Instruments
- Silverware
- Stamp, Coin or other Collections