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).
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
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:
A Narragansett Bay tenants policy provides coverage for a residence being rented. A tenants policy offers significant protection, including:
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:
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: