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Narragansett Bay Insurance Products

Narragansett Bay offers insurance products in homeowners, renters and dwelling fire currently in these states: Connecticut, Massachusetts, New Jersey, New York, Rhode Island, and Virginia. With our specialized regional underwriting and loss control process, we can provide competitively priced coverage for responsible policyholders.

Homeowners Insurance Policy

Narragansett Bay Insurance is committed to insuring one of your largest investments, your home. The best way to protect it is through a homeowners insurance policy.

A homeowners policy provides insurance for single-family, townhouse or duplex homes that are owner occupied, secondary and seasonal homes, as well as rental properties. Our homeowners product provides insurance related to most perils, such as fire, lightning and theft. It also provides coverage for:

  • Personal liability coverage and medical payments to others
  • Loss of use of your home during a claim while it is being reasonably repaired
  • Personal Property and valuables
  • Coverage for other structures

Some of the more popular optional coverage endorsements offered by NBIC are:

Mariner Plus Endorsement

Exclusively available from Narragansett Bay, the Mariner Plus endorsement adds a range of important additional coverages to your homeowners policy, including:
  • Increase personal liability medical payment and household content limits
  • Back up of sewers and drain coverage
  • Expand tree removal coverage
  • Food spoilage coverage
  • Identity fraud expense coverage
  • And much more!

Personal Umbrella

Personal Umbrella liability coverage provides an additional level of security above the limits in homeowners and automobile policies. This endorsement can protect you against large judgments for loss, injury or even death.

Home Systems Protection

Home Systems Protection is an enhancement to our homeowners policy. It covers repairs or replacement when home systems and equipment break down. These losses are not covered by most standard insurance policies however NBIC’s policyholders benefit from this added layer of protection.

Examples of systems protected against loss by mechanical breakdown Include: central air conditioning, boilers, furnaces, and heat pumps, water heaters, solar heating, well pumps, pool and spa pumps, electrical service panels, home security monitoring and control devices, kitchen and laundry appliances, and much, much more!

Service Line Coverage

Service Line Coverage can be optionally added to NBIC’s policies. This affordable protection covers physical damage that results in a leak, break, tear, rupture, collapse, or arcing of a covered service line. With Service Line Coverage, policyholders will be covered for exterior underground piping and wiring providing service to the residence premises. A covered service line must be owned by the insured or they must be responsible for its repair or replacement.

Examples of covered service lines include: water, waste disposal, natural gas, propane, electrical, drainage, communications, and much more!

Flood Endorsement

NBIC is proud to offer an alternative to the National Flood Insurance Program and other private flood policies. The NBIC Flood Endorsement, when attached to the NBIC Homeowner policy offers the following:
  • Competitively priced flood coverage in all flood zones
  • Flood limits matching homeowner policy limits (Coverages A, B, C and D)
  • Replacement cost loss settlement on dwellings for both primary and secondary homes
  • Optional replacement cost loss settlement for contents
  • Convenience of one policy and one bill for homeowners and flood coverages
  • A better claims experience for the consumer when both a homeowner and flood loss occurs as only one adjuster is needed

Personal property and valuables

Coverage for other structures

We also have additional coverage options available such as increased limits on jewelry, replacement cost on personal property, identity theft, and personal injury.

Condo Insurance Policy

Condominium association policies typically cover common areas, and the structure. A Narragansett Bay condo policy provides coverage for the personal property of a unit owner. A condo policy offers significant protection, including:
  • Personal liability coverage and medical payments to others
  • Loss assessments
  • Contents and betterments
Additional coverage options are available such as replacement cost on personal property, and identity theft.

Tenants (Renters) Insurance Policy

A Narragansett Bay tenants policy provides coverage for a residence being rented. A tenants policy offers significant protection, including:
  • Personal liability coverage and medical payments to others
  • Contents of the policyholder
Additional coverage options are available such as replacement cost on personal property, and identity theft.

Dwelling Insurance Policy

Dwelling fire policies are intended for landlords to insure single-family or duplex homes that are rented and not vacant. A dwelling policy provides coverage that you can count on, including:
  • Loss of rents
  • Other structures
  • Personal liability and medical payments to others
We also have optional coverage such as ordinance and law, replacement cost on personal property, and theft.

Commercial Residential Insurance

Commercial residential policies are intended for property owners, board of directors and property managers in condominium, apartment and other communities. We offer a suite of products and coverage options that are competitively priced for the following:
  • Condominium Association
  • Homeowner Association
  • Continuing Care Retirement Communities
  • Apartment Complexes
Your insurance agent can help you define the amount of coverage and options appropriate to your individual situation.

Download a brochure for more information about Narragansett Bay Insurance Company.

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