is it a scam? My Honest Narragansett Bay Insurance Review After Filing a Claim

When I bought my first home, I knew homeowners insurance was non-negotiable. But choosing the right insurer? That was another story.

I wanted affordability, fast claims, and a company that wouldn’t ghost me when I needed help most. After comparing several options, I landed on Narragansett Bay Insurance Company (NBIC). And now, more than a year later—and after a real-life claim—I’m sharing my full narragansett bay insurance review, based 100% on personal experience.

This review is built on the E-E-A-T principles—Experience, Expertise, Authoritativeness, and Trustworthiness—so you know it’s coming from a place of real use, not theory.

Why I Chose Narragansett Bay Insurance

As a first-time homeowner in Rhode Island, I was unfamiliar with the insurance landscape. I didn’t need a massive brand—I needed someone who understood coastal risks, offered fair pricing, and wouldn’t drown me in fine print.

I chose NBIC for three reasons:

1. Competitive quote ($300+ cheaper than Liberty Mutual)
2. Local agent highly recommended them
3. Strong coverage for wind/hurricane-prone areas

What Is Narragansett Bay Insurance Company (NBIC)?

NBIC is a regional insurance company focused on homeowners in coastal and high-risk areas—like Rhode Island, Massachusetts, Connecticut, and New Jersey.

They specialize in:

• Homeowners insurance
• Windstorm & flood protection
• Working closely with independent agents

Unlike big-name brands, NBIC targets niche markets where larger companies often raise rates or limit coverage.

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Buying a Homeowners Policy: My Personal Experience

I worked with a local independent agent who walked me through quotes from NBIC and others. With NBIC:

• The quote process was fast and transparent
• I received multiple coverage levels to choose from
• No pressure to bundle or upsell

I selected a standard HO-3 policy with additional coverage for wind damage and a $1,000 deductible.

Coverage Options Offered by NBIC

NBIC offered a wide range of coverage options, even though they focus only on homeowners:

They also allowed add-ons like:

• Water backup coverage
• Identity theft protection
• Equipment breakdown

What Made Narragansett Bay Stand Out

Three things really stood out:

1. Local Expertise: My policy was tailored for New England weather and risks.
2. Agent Relationship: I got help from a local agent—not a random call center.
3. Affordability: I saved over $350 annually compared to other insurers.

When Disaster Struck: My Actual Claim Experience

In September 2024, a heavy windstorm ripped shingles off my roof and damaged my garage door.

I filed a claim through the NBIC portal the same evening.

How Long It Took to Process the Claim

• Day 1: Claim submitted with photos and estimate
• Day 2: Adjuster assigned and contacted me
• Day 5: Inspection completed
• Day 10: Payment approved and direct deposit initiated

I received my payout within two weeks, which I found very reasonable. My adjuster was courteous, professional, and communicative.

Payout & Adjuster Experience

NBIC’s adjuster explained everything clearly—no shady fine print. They covered:

• Roofing repairs
• Garage door replacement
• A portion of temporary housing costs

The claim paid 95% of the damages, minus my deductible. It felt fair, fast, and drama-free.

Pros and Cons of Narragansett Bay Insurance

✅ Pros

• Excellent for coastal risk areas
• Helpful local agents
• Transparent claims process
• Competitive pricing

❌ Cons

• No mobile app (web portal only)
• Doesn’t offer auto or bundle discounts
• Not available in all U.S. states

Customer Service: My Rating After 3 Interactions

I contacted NBIC:

1. To ask about windstorm coverage
2. To file a claim
3. To change billing preferences

All three times, I spoke with real humans, and the staff was:

• Knowledgeable
• Easy to reach
• Polite and patient

Using the NBIC Customer Portal

While NBIC doesn’t offer an app, their web portal lets you:

• View policy details
• Make payments
• File claims
• Upload documents

It’s simple—not flashy—but it works. I never had login issues.

Narragansett Bay Insurance vs Other Insurers I Considered

NBIC was the only insurer that offered the right mix of local knowledge and price.

Is NBIC Good for First-Time Homeowners?

Yes—especially in the Northeast. If you want:

• A simple, affordable policy
• A company that actually understands New England storms
• Support from real agents

Then NBIC is worth a look. Just know you’ll sacrifice modern tech for personal service.

E-E-A-T Breakdown: My Trust & Experience Score

FAQs About Narragansett Bay Insurance

1. Is NBIC a legit company?
Yes. They’ve been operating since 1995 and are rated A (Excellent) by A.M. Best.

2. Can I buy insurance directly from NBIC?
No. You must go through an independent agent, which is part of their customer-first approach.

3. Does NBIC offer flood insurance?
Not directly. They recommend NFIP (National Flood Insurance Program) for flood protection.

4. Is it only available in Rhode Island?
No. NBIC also operates in MA, NJ, CT, and a few other states.

5. Can I file a claim online?
Yes. The NBIC portal allows 24/7 claim filing and document uploads.

6. Does NBIC offer discounts for bundling?
No. They only offer homeowners policies—no auto or life bundles.

Final Verdict: Would I Recommend Narragansett Bay Insurance?

Yes—if you’re a homeowner in a coastal area who wants personalized coverage without the national brand markup.

I trusted them when my home was damaged, and they delivered. The process wasn’t perfect—but it was honest, fast, and professional.

👉 Would I renew my policy? Absolutely.
👉 Would I recommend them to my neighbors? Already have.

visit the official narragansett bay insurance website : https://www.nbic.com/