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How do customers rate Narragansett Bay Insurance Company (NBIC)?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Narragansett Bay Insurance Company (NBIC) ratings and coverages

Narragansett Bay Insurance Company services and products specialize in home coverage. It offers homeowners, renters, condo, and commercial residential insurance to customers in the New England area.

What makes NBIC stand out is its variety of policy add-ons for homeowners, including the exclusive Mariner Plus Endorsement. This covers water backup, food spoilage, identity theft, tree removal, and more.

However, Narragansett Bay Insurance ratings are mixed, and it only receives a B+ from the Better Business Bureau (BBB) for customer service.

Get more details in our NBIC insurance review below.

Narragansett Bay Insurance Company Reviews

If you're looking for a Narragansett Bay Insurance Company rating, NBIC isn't accredited nationally because it's a smaller, regional company.

For instance, you won't find a Narragansett Bay Insurance A.M. Best rating. Instead, Demotech, Inc. assesses the financial strength of smaller and specialty insurers like NBIC.

The Narragansett Bay Insurance Company financial rating from Demotech is an "A" or Excellent.

Since NBIC only sells insurance in New England and Mid-Atlantic states, take a look at what local customers are saying.

Narragansett Bay Insurance Customer Service

Narragansett Bay Insurance reviews are mixed depending on where policyholders live. While most have a pleasant claims experience, others report rude adjusters and slow payouts.

A majority of Narragansett Insurance Company complaints involve roof repairs, which shows that coverage may not be clear or as extensive as customers are led to believe when buying a policy.

The Narragansett Bay Insurance BBB rating is also only a B+, which isn't terrible but a sign to compare other insurance companies near you. You may find a better option with fewer customer complaints.

Narragansett Insurance Company Costs

NBIC home insurance rates are competitive, but costs will vary depending on where you live. Narragansett Bay Insurance in Long Island may be more expensive than other cities in New York, so always compare insurance quotes by ZIP code to get the most accurate estimate.

How to Pay NBIC Insurance Rates

Narragansett Bay Insurance bill pay offers three ways to pay:

  • Over the phone: Call 1- 800-343-3375 to pay with an agent during working hours.
  • Online: Use your Narragansett Bay insurance login to pay bills in the customer portal.
  • By mail: Send your Narragansett Bay insurance payment to Narragansett Bay Insurance Company, Dept # 3051, P.O. Box 11407, Birmingham, AL 35246-3051.

Are there any Narragansett Bay Insurance discounts available?

NBIC has discounts and credits available to its policyholders to lower the cost of homeowners insurance:

  • New Home Discount: Insuring a home with Narragansett Bay that was built recently may make you eligible for this discount
  • Renovators Discount: This discount is available to Narragansett Bay policyholders who have recently renovated parts of their home
  • Safe Home Discount: Having a safer home with updated features can qualify you for this Narragansett Bay discount
  • Loss-Free Discount: This discount may be granted to NBIC policyholders who haven't experienced a loss in a certain amount of time
  • Protective Devices Discount: If you take extra steps to protect your home security and safety with protective devices, this discount may be applied to your insurance premium cost
  • Renewal Discount: Earn a discount for renewing your policy with Narragansett Bay

You can also opt for a higher deductible cost to receive lower-priced premiums.

What coverages does Narragansett Bay Insurance Company (NBIC) offer?

Narragansett Bay homeowners insurance protects specific personal belongings and helps cover repair costs with six standard policies:

  • Dwelling Coverage: Repairs or rebuilds your home after a covered loss.
  • Other Structures Coverage: Repairs or rebuilds detached garages, storage sheds, fencing, etc.
  • Personal Property Coverage: Repairs or replaces belongings like furniture, clothing, and tech gadgets after a covered loss.
  • Loss of Use Coverage: Covers hotel stays, restaurant bills, pet boarding, and other living expenses if you need to live elsewhere during home repairs.
  • Personal Liability Coverage: Covers legal and medical expenses if someone is injured or their property is damaged at your home.
  • Medical Payments Coverage: Pays small medical bills for injuries occurring at your home.

Narragansett home insurance also includes commercial, renters, and condo insurance. Once you buy home insurance, you can use your NBIC login to view documents and check coverage.

If you want to change a policy, call the Narragansett Bay Insurance phone number 1- 800-343-3375 to speak to an agent.

For example, you can choose policy add-ons for extra financial support if you're displaced after filing Narragansett Bay insurance claims:

  • Guaranteed Replacement Cost: Covers the full cost to rebuild your home after a covered loss, regardless of policy limits.
  • Flood Endorsement: Provides private flood insurance for easier NBIC claims.
  • Replacement Cost for Personal Property: Replaces belongings with new items, regardless of depreciation.
  • Water Backup: Covers damage from sewer or drain backups or sump pump failures.
  • Equipment Breakdown:** Repairs or replaces damaged AC units, water heaters, and other home systems.
  • Identity Theft: Assists with credit reports, attorney fees, and replacing IDs after fraud or disasters.
  • Personal Umbrella Insurance: Provides additional liability protection for high medical or legal bills.

Adding these coverages will raise your rates but you'll be better protected.

While NBIC's primary focus is on home insurance, independent agents can explore different options.

Bottom Line on Narragansett Bay Home Insurance Reviews

NBIC predominantly sells auto, home, and renters insurance in New England. It offers specialty insurance services customized for policyholders. Many NBIC add-ons, including water damage and flood endorsements, aren't available with other providers.

Narragansett Bay customer service reviews are mixed, but many customers praise local agents for being friendly, available, and knowledgeable. Customers also appreciate how easy it is to file NBIC claims online.

If you live in the New England area, Narragansett Bay is worth comparing for affordable home coverage.

Frequently Asked Questions

Is Narragansett Bay a good insurance company?

While it offers a wide range of customizable home insurance options, Narragansett Bay is not reviewed by A.M. Best or other national accreditors. Some home loan providers require an A.M. Best certified insurer, so check your mortgage terms before buying Narragansett homeowners insurance.

Who owns Narragansett Bay Insurance Company?

Heritage Insurance Holdings is the parent company of Narragansett Insurance.

How long has Narragansett Bay Insurance been in business?

Narragansett Bay Insurance was established over 40 years ago in 1981.

Who is the #1 home insurance company in America?

State Farm is the largest and most popular home insurance company in the U.S. However, if NBIC insurance is available in your state, compare quotes to see which is cheaper.

Is the Narragansett Bay Insurance Company admitted in California?

No, Narragansett Bay home insurance is not in California. It only sells policies in New England and the Mid-Atlantic.

What states does Narragansett Bay Insurance write in?

Narragansett Insurance Company is licensed to write policies in Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Virginia, and Rhode Island.

Does Narragansett Bay sell travel insurance?

NBIC specializes in home insurance coverage, so you cannot buy travel insurance from Narragansett.

What is the Narragansett Bay Insurance Company address?

The provider's corporate address is Narragansett Bay Ins. Co. 1301 Atwood Ave. #316e Johnston, RI 02919

What is the Narragansett Bay Insurance Company phone number?

You can reach an agent by calling 800-343-3375, but the Narragansett Bay phone number is only available on weekdays between 8:30 a.m. and 4:30 p.m.

What states does Narragansett Bay Insurance Company (NBIC) do business in?

Narragansett Bay Insurance Company (NBIC) sells homeowners insurance in 9 states and renters insurance in 5 states. See the state Narragansett Bay Insurance Company (NBIC) sells in below and click the link to see how Narragansett Bay Insurance Company (NBIC) compares to the other top companies in that state.

Narragansett Bay Insurance Company (NBIC) mission

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