Narragansett Bay home insurance review: A+ customer service

Narragansett Bay home insurance offers exceptional coverage and stellar customer service at an affordable price in eight New England and Mid-Atlantic states.

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Jessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Narragansett Bay

Narragansett Bay logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

With rates that are around 20% below the national average, as well as excellent customer service scores, Narragansett Bay home insurance is a solid option for New England homeowners looking for affordable coverage that fits your home. 

It offers a slew of valuable policy add-ons for increased protection where you need it most, including a flood endorsement, guaranteed replacement cost coverage for your home, water backup and equipment breakdown protection, and more.

We also love its special risk appraisal and underwriting program that helps to tailor insurance to your unique needs by sending representatives to conduct an in-person review of your home. By coming directly to your home and evaluating your property, Narragansett Bay can help you avoid overpaying for coverage you don’t need. These reviews can also identify potential risks to reduce your likelihood of filing a claim. 

Pros

  • Affordable rates 20% below the national average

  • Exceptional customer service scores — it received 99% fewer complaints expected for a company of its size in 2021

  • Offers in-person home reviews to ensure you have the right amount of coverage and to identify areas of your home vulnerable to damage or safety threats

Cons

  • Only available in 8 states throughout New England and the Mid-Atlantic

  • Can’t bundle your home and auto insurance

Basic coverages offered

Narragansett Bay home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You can add these additional coverages to your Narragansett Bay homeowners insurance policy for even more protection:

  • Guaranteed replacement cost for your home: Pays the full cost to replace or rebuild your home after a covered loss — regardless of your policy limits.

  • Flood endorsement: Offers a private flood insurance endorsement to keep all of your property insurance under the same roof and make filing claims easier.

  • Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • Blanket personal property: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.

  • Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.

  • Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown

  • Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse.

  • Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.

  • Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster

  • Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.

  • Personal umbrella insurance: Offers additional personal liability protection for expensive medical or legal bills you’re found legally responsible for.

  • Increased tree removal: Increases coverage limits to remove trees after a disaster.

  • Freezer contents: Covers spoiled food if your refrigerator or freezer stops working due to a power outage or breakdown.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Dwelling fire: Fire insurance for properties that aren’t your primary residence, like second homes, vacation homes, or rental properties.

  • Commercial residential insurance: Coverage for condo and homeowner associations, as well as apartment complexes and continuing care facilities.  

Narragansett Bay also offers a special Shelter Pride risk appraisal and underwriting program that comes with a professional survey to help you:

  • Identify areas of your home vulnerable to damage or safety threats

  • Ensure you have the right amount of coverage to completely rebuild your home

  • Identify what home insurance discounts you qualify for

Ratings methodology

Price

3.8/5

Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Narragansett Bay's average annual rate of $1,558 is 20% below the national average. 

Customer experience

5.0/5

Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Narragansett Bay has a score of 0.05, which means it received 99% fewer complaints than expected for a company of its size in 2021. (The expected number would be 1.0.)

Coverage options

5.0/5

Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Narragansett Bay earns a perfect score thanks to its slew of valuable coverage add-ons, including a flood endorsement, guaranteed replacement cost coverage for your home, water backup and equipment breakdown protection, and more.

Financial strength

4.5/5

Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Since Narragansett Bay is not rated by any of these companies, we based its score on its A (Exceptional) rating from Demotech, another rating firm that measures the financial strength and stability of insurance carriers.

How much does Narragansett Bay home insurance cost?

The average cost of home insurance with Narragansett Bay is $1,558 per year for a policy with $300,000 in dwelling coverage. This is cheaper than the national average of $1,754 per year. 

Here’s the average yearly cost of Narragansett Bay home insurance for five different levels of dwelling coverage:

Dwelling coverage limit

Average annual cost

$100,000

$634

$200,000

$1,078

$300,000

$1,558

$400,000

$2,011

$500,000

$2,472

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

Compare home insurance quotes with Narragansett Bay & other top insurers

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What discounts does Narragansett Bay offer?

You can save on the cost of Narragansett Bay home insurance if you qualify for any of these discounts:

  • New home: If you recently purchased your home.

  • Renovators: If you made certain renovations or improvements to your home.

  • Safe home: If you have a home monitoring system installed.

  • Loss-free: If you go so many years without filing a claim.

  • Increased deductible: If you opt for a larger deductible. 

  • Renewal: If you remain a loyal customer and renew your policy each year.

  • Home alarm protection: If you have a fire, smoke, or burglar alarm installed.

  • Account: If you sign up for paperless billing or a qualifying payment plan. 

  • At-home: If you work from home a certain number of hours per week.

Narragansett Bay home insurance state availability

Narragansett Bay offers home insurance policies in eight states: Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Rhode Island, and Virginia.

What to expect with Narragansett Bay home insurance

  • How to get a quote: You can get a Narragansett Bay home insurance quote online through Policygenius by clicking the Start calculator button above or by contacting a local agent.

  • Customer service options: You can get in touch with a Narragansett Bay customer service rep by calling 800-343-3375.

  • How to file a claim: You can file a Narragansett Bay home insurance claim by logging in to your online account, calling 800-343-3375, emailing claimsmail@nbic.com, or faxing 401-721–0700.

  • How to cancel your policy: You can cancel your Narragansett Bay home insurance policy by calling your Narragansett Bay agent (their contact info should be on your policy declarations page).

Narragansett Bay home insurance in the news

  • In December 2022, Narragansett Bay’s parent company, Heritage Insurance Holding, received a downgraded rating from the Kroll Bond Rating Agency. (Reinsurance News)

  • In February 2022, Narragansett Bay determined it would cover a homeowner’s oil leak damage due to environmental concerns, a reversal from its original decision. (NBC Boston)

Narragansett Bay vs. other home insurance companies

Compare Narragansett Bay home insurance to other insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Narragansett Bay

4.7/5

NA

$$

Auto-Owners Insurance

5.0/5

A++

$$$$$

Auto-Owners Insurance

5.0/5

A++

$$$

NJM Insurance

5.0/5

A+

$

NYCM Insurance

5.0/5

A+

$

NYCM Insurance

5.0/5

A+

$

National General

5.0/5

A+

$$

The Andover Companies

4.9/5

A

$$

MAPFRE Insurance

4.8/5

A

$$

Safety Insurance

4.7/5

A

$$

Arbella Insurance

4.6/5

A

$$

Plymouth Rock

4.3/5

A-

$

The Hanover

4.3/5

A

$$$$

SageSure

3.9/5

NA

NA

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Frequently asked questions

Who owns Narragansett Bay home insurance?

Narragansett Bay was purchased by Heritage Insurance Holdings in 2017.

What states does Narragansett Bay write in?

Narragansett Bay offers home insurance in Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Rhode Island, and Virginia

Is Narragansett Bay a good insurance company?

Narragansett Bay is a good insurance company thanks to its excellent customer service ratings, A (Exceptional) financial strength rating from Demotech, lower-than-average rates, and variety of valuable coverage add-ons on offer.

How do I contact Narragansett Bay insurance?

You can get in touch with Narragansett Bay customer service by calling 800-343-3375 or contacting a local agent through the Narragansett Bay website.

Author

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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