NBIC Home Insurance
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Narragansett Bay Insurance Company (NBIC) is a leading specialty underwriter of homeowners insurance products and services in states along the Eastern seaboard.
The company currently provides homeowners coverage in Connecticut, Massachusetts, New Jersey, New York, Rhode Island, and Virginia – with plans to add additional states. Headquartered in Johnston, Rhode Island, Narragansett Bay Insurance offers its products and services through an extensive network of independent agents.
A Unique Approach

At Narragansett Bay, we believe that responsible homeowners, who do more to maintain homes and prevent loss, deserve more and better service from their insurance company. On that principle, we have made homeowners insurance our only business and we pride ourselves in delivering better fitting, more fair and flexible coverage, no matter the size or location of your home.

Narragansett Bay’s ShelterPride program is a unique and innovative approach towards risk management. During the ShelterPride process, personalized interior and exterior surveys are conducted to ensure policyholders have the correct amount of coverage based on replacement cost, are alerted to important safety risks and are getting the credits they deserve.


Financial Strength and Rating

Narragansett Bay has been assigned (and reaffirmed) a Financial Stability Rating® (FSR) of "A, Exceptional" by Demotech, Inc., a nationally recognized financial analysis and actuarial consulting firm.

FSRs are accepted by several government sponsored enterprises, including Fannie Mae, Freddie Mac and various programs of the United States Department of Housing and Urban Development (HUD).

Demotech Rating

NBIC's Foundations

Narragansett Bay Insurance Company’s purpose, vision, and mission statements help guide the company to consistently exceed policyholder and agent expectations.

  • Our PURPOSE: To provide peace of mind to Responsible Homeowners living in coastal regions.
  • Our VISION: To become the most valued, reliable, and profitable coastal homeowners insurance company.
  • Our MISSION: To help Responsible Homeowners avoid, manage, and quickly recover from unexpected losses.

Our Core Values

Our common values serve as the principles that we follow every day. These values “DRIVE” the NBIC team to be the very best:

  • Data: We respect the data.
  • Right Thing, Right Way. We aim to always do the right thing, in the right way.
  • Improvement. We seek disciplined and regular improvement.
  • Value Relationships. We build relationships with open and honest communication.
  • Expose Mistakes. We own and learn from our mistakes.

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