Narragansett Bay Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Public-facing NBIC materials emphasize overall appetite, geography, and responsible-homeowner focus but do not publish a detailed underwriting or producer appetite guide on the open website. Preferred / target business - Personal residential property with a focus on responsible homeowners who proactively maintain homes and manage loss exposure; NBIC positions itself as a specialty underwriter serving coastal regions where standard carriers may restrict capacity. - Coastal and inland homes along the Eastern seaboard and in California, written primarily through independent agents. - Product suite includes: homeowners, condo, tenants (renters), dwelling (likely DP-forms) and some commercial residential (e.g., small residential habitational) placed via the agent portal. - NBIC markets that it can insure homes of various sizes and locations, including coastal properties, with flexible coverage options and deductibles, aiming at better-fit coverage for well-maintained risks. Geographic appetite / notes - Currently writes homeowners and associated residential lines in: California, Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Rhode Island, and Virginia. - Broader corporate family (Heritage Insurance) also writes in additional southeastern states, but NBIC-branded business is concentrated in these nine states. - NBIC’s public positioning highlights coastal regions and Eastern seaboard states; agents should assume that proximity to coast, wind/hurricane exposure, and wildfire (in CA) are key rating and underwriting variables, with capacity controlled through agency appointments and portal rules. Underwriting approach / risk selection themes - NBIC describes itself as a “specialty underwriter of homeowners insurance” and emphasizes risk management via its ShelterPride® inspection and risk appraisal program. ShelterPride includes interior and exterior surveys to confirm replacement cost, identify safety hazards, and validate credits. - The ShelterPride process is an integral part of underwriting: insureds should expect on-site inspections after binding; agents should prepare applicants for photos/inspections and the possibility of post-bind underwriting changes or requirements. - Public copy suggests a tilt toward accounts with good maintenance, updates, and loss-prevention features, and away from distressed properties or poorly maintained homes. Restricted or declined classes (inferred from positioning, not explicitly listed) - While NBIC does not publish a class-by-class decline list, agents should assume heightened scrutiny or ineligibility for: severely distressed properties, unoccupied or significantly seasonal dwellings without adequate protections, homes with poor maintenance or unrepaired damage at inspection, and high‑hazard coastal or wildfire‑exposed homes that do not meet company mitigation standards. - Capacity and appetite in certain high-catastrophe coastal ZIPs may be tightened over time; agents should rely on portal eligibility and underwriting referrals for borderline wind, flood-adjacent, or brush-exposed risks. Submission, inspection, and processing expectations - Business is written exclusively through appointed independent agents using NBIC’s agent portals: - New Agent Portal (Guidewire) for new business and servicing in CA, CT, DE, MA, MD, NJ, NY, RI, and VA. - Legacy Agent Portal (Majesco) for servicing older books and for commercial residential placements. - Agents should expect that new homeowners submissions may trigger ShelterPride inspections; accurate dwelling characteristics, updates, occupancy, and protection details at submission are critical, as the inspection will validate these. - Policy changes, cancellations, or adjustments for insureds are generally handled through the insured’s independent agent rather than directly with NBIC customer service. Broker / producer notes - NBIC distributes exclusively through a network of independent agents; there is no direct-to-consumer quoting on the public site. - Producers must use the appropriate portal (Guidewire vs. Majesco) based on state and product; new business in the listed nine states is directed to the New Agent Portal. - The company’s brand and resources (e.g., hurricane guides, emergency prep, ShelterPride loss-prevention materials) can be used by producers to set risk-management expectations with clients, particularly in coastal and hurricane-prone areas. - Because NBIC is part of Heritage Insurance Holdings, producers should be aware of group-level catastrophe management strategies; appetite in specific coastal or wildfire-prone micro-areas may tighten quickly, so checking portal availability and any bulletins is recommended before marketing large coastal schedules. Boat / watercraft - The public NBIC site does not list a standalone boat/watercraft product. Where agents place boat or watercraft risks alongside NBIC homeowners, these are likely written with another carrier or through partner programs; no NBIC-specific watercraft underwriting guide is published. No open, official NBIC appetite guide or producer underwriting manual is available on the public web as of this refresh. Detailed eligibility rules, surcharges, and prohibited risks appear to be contained within the secure agent portal and internal bulletins.