A. Yes. Narragansett Bay’s standard home, condominium, or renters policies cover damage to your home and personal property for accidental discharge of water from a plumbing system. In many cases, coverage may not apply to damaged pipes and plumbing equipment if they burst due to wear and tear, corrosion of other maintenance-related causes.

A. No. The standard homeowner, condominium and renter policies cover ‘sudden and accidental losses’ and do not provide coverage losses that arise from maintenance issues. We suggest you contact a contractor about water proofing your basement. However, we do offer an endorsement for additional premium that provides coverage for up to $5,000 for damage caused by water which overflows from a sump pump.

A. Yes. Narragansett Bay covers damages to your property along with the costs of removing the tree to facilitate repairs.

A. Yes. Narragansett Bay covers your property against natural disasters. The exceptions are earthquakes and floods, both of which are not covered in the standard homeowner, condominium and renters policies. You may purchase earthquake coverage as part of the homeowner, condominium or renter policy, and you can purchase a separate flood policy from the National Flood Insurance Program. Please contact your independent agent to discuss flood and earthquake coverage.

A. Yes. You have coverage for damage to your house and personal property up to your policy limits provided your house has not been vacant for more than 60 consecutive days immediately before the damage.

A. The standard homeowner, condominium and renter policies do not cover your personal property for losses due to “mysterious disappearance.” You may purchase this coverage by “scheduling” your valuable items with us. Please contact your independent agent to discuss scheduling your valuables.