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
NBIC currently presents itself as a specialty homeowners-focused carrier serving responsible homeowners, especially coastal-region risks, through independent agents. Official product pages show personal lines availability in CA, CT, DE, MD, MA, NJ, NY, RI, and VA, with California written on a surplus lines basis and not licensed in that state. Preferred personal lines include owner-occupied single-family, townhouse, and duplex homes, plus secondary/seasonal homes and certain rental properties; condo, renters, and dwelling fire products are also listed. Dwelling fire is described for landlords insuring rented single-family or duplex homes that are not vacant. Commercial residential is also listed for condo associations, HOAs, continuing care retirement communities, and apartment complexes. NBIC emphasizes coastal/responsible-homeowner business and uses its ShelterPride underwriting program to survey and document homes, confirm replacement cost, identify safety risks, and in some cases adjust premium if the home is over-insured. Operationally, this indicates a strong preference for well-maintained properties with accurate replacement cost data and loss-prevention features. Restricted/declined signals from official materials are indirect rather than a published appetite bulletin: dwelling risks are stated to be for rented homes that are not vacant; FAQ language says homes vacant more than 60 consecutive days immediately before a loss can lose coverage for that loss; commercial supplemental questions flag concerns around existing or unrepaired damage, sinkhole/settlement/cracking issues, aluminum wiring, low occupancy, subsidized housing, delinquent dues, short-term rentals, mercantile/office occupancies, fire/life-safety violations, prior declinations/cancellations/non-renewals, litigation, and flood zone A/V exposure. For commercial residential submissions in flood zones A or V, NBIC requires the flood declarations page at binding. Geography notes: official pages currently verify new business and servicing through the new agent portal for CA, CT, DE, MA, MD, NJ, NY, RI, and VA; legacy portal is listed as all-states servicing only plus commercial residential. Submission/broker notes: NBIC distributes through independent agents; policy changes and cancellations are directed through the licensed agent; agents use the Guidewire new agent portal for new business in the listed states. A current official Commercial Residential Property Supplemental Questionnaire is posted and should accompany applicable submissions; it asks for detailed building condition, updates/roof age, occupancy mix, safety controls, management experience, litigation history, prior carrier actions, and flood information. No verified official NBIC underwriting/appetite page was found for boat/watercraft, so that product line could not be confirmed from the official pages reviewed.