Homeowners Insurance Policy


Homeowners Programs

There are lots of reasons why we are The #1 Choice for Responsible Homeowners. But none more important than this: up to 50% of today’s homes have one-size-fits-all policies that leave you under-insured for loss, or over-insured with unnecessary premiums. At Narragansett Bay, we have more ways to make our insurance fit your home. We have more flexible standard and hurricane deductibles, better ways to earn valuable credits like our special Age 50 plus program, and ShelterPride--the only program of it’s kind that includes a personal in-home visit to make sure you’re getting all the options and discounts you deserve.

We also have popular added coverages like Mariner Plus™, designed for responsible homeowners who want the maximum protection at an affordable price.

Talk to your insurance agent to get the full details of our policies along with advice and guidance to help develop coverage that is right for you. Narragansett Bay’s portfolio includes:

Primary Homeowners Coverage

Our primary homeowners policies provide several types of insurance protection, each with its own coverage limit. All policies allow you a choice of deductibles. Coverage includes:

  • Your dwelling
  • Structures not attached to your home
  • Household contents and personal belongings
  • Expenses incurred because of loss-of-use due to fire or other covered occurrence

Narragansett Bay also insures:

  • Condominiums
  • Renters
  • Secondary and seasonal homes
  • Rental properties

"I received my check promptly. I feel I have been treated royally."

Rockaway Park, NY
  • © 2021 Narragansett Bay, v1.5