Narragansett Bay Insurance Company

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1301 Atwood Ave Ste 316E
Johnston, RI 02919

Narragansett Bay Insurance Company is a subsidiary of Heritage Insurance Holdings, Inc., specializing in providing homeowners insurance to responsible homeowners in coastal regions. With a focus on peace of mind, NBIC offers a range of insurance policies, including homeowners, condo, tenants, and dwelling insurance, tailored to meet the unique needs of its policyholders.

As a property and casualty insurance holding company, NBIC operates through a network of experienced agents across multiple states, including Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia. With the added security of ShelterPride, a risk appraisal and underwriting program, NBIC ensures that policyholders have the right amount of protection in the event of a loss.

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1.573 reviews
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Sal D.
5/5/2021

We had a flood in our basement and after a call to Narragansett Bay Ins Co they had a team out to set up equipment to dry and clean up the basement' They arrived in approx 1 hour. Great, friendly...

Charles M.
8/10/2025

Terrible insurance company. My homeowner rate has gone up 100% in two years. I've never had a claim. I'm switching to Amica which is a couple of hundred dollars cheaper.

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Sandra C.
1/25/2025

Worse service ever raised rates 50 percent for no reason. Customer service reps not informative at all.

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Bruce C.
2/11/2025

34% increase this year ZERO claims 100% increase in 4 years They balmed "inflation" as the cause.

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Sour G.
5/1/2024

Had policy with them for over 2 years no claim or even 1 call to them. Raised premium from 1750 to 2k in 2023. No prob everything is up I understand but to raise my premium to 3k in 2024 . No...

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