A New Jersey Narragansett Bay Insurance Agency

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

Financial Strength and Rating

Narragansett Bay has been assigned (and reaffirmed) a Financial Stability Rating® (FSR) of “A, Exceptional” by Demotech, Inc., a nationally recognized financial analysis and actuarial consulting firm.

FSRs are accepted by several government sponsored enterprises, including Fannie Mae, Freddie Mac and various programs of the United States Department of Housing and Urban Development (HUD).

Homeowners Insurance

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

Condo Insurance

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

Renters Insurance

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

Dwelling Insurance

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

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
Narragansett Bay Insurance Company Brochure
Narragansett Bay Insurance

A Unique Approach

At Narragansett Bay, they believe that responsible homeowners, who do more to maintain homes and prevent loss, deserve more and better service from their insurance company. On that principle, they have made homeowners insurance their only business and they pride themselves in delivering better fitting, more fair and flexible coverage, no matter the size or location of your home.

Narragansett Bay’s ShelterPride program is a unique and innovative approach towards risk management. During the ShelterPride process, personalized interior and exterior surveys are conducted to ensure policyholders have the correct amount of coverage based on replacement cost, are alerted to important safety risks and are getting the credits they deserve.

Available in CT, DE, MD, MA, NJ, NY, RI, VA

Call Us Today

We are here for all of your insurance needs!

CALL NOW: 1-201-659-2403