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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1.575 reviews
Jacob C.
12/8/2025

Everyone is very pleasant and helpful. They have extremely competitive rates and they will provide coverage for coastal homes, which most carriers in MD will not! I highly recommend this company...

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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.

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.

Mike D.
11/5/2025

HORRIBLE COMPANY. VILE AND DISGUSTING TREATMENT OF CLINETS. I'm an active duty service member and this company purposefully sat on there application after inspection for my home. The inspector...

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