Narragansett Bay Insurance Company Reviews

Are you in search of a reliable insurance company? Look no further than Narragansett Bay Insurance Company! While there are countless insurance providers out there, Narragansett Bay has been making waves with their impressive coverage options and customer service.

But what do actual customers have to say about this insurance company? In this blog post, we’ll take a deep dive into Narragansett Bay Insurance Company reviews and weigh the pros and cons to help you decide if they’re the right choice for your needs. Let’s get started!

What is Narragansett Bay Insurance Company?

Narragansett Bay Insurance Company is a property and casualty insurance provider that specializes in providing coverage for homeowners. Founded in 1995, the company has since grown to offer their services across eight states on the East Coast of the United States.

One of Narragansett Bay’s standout features is their focus on customer service. They strive to make sure that every customer feels informed and supported throughout the entire process, from obtaining a quote to filing a claim.

In terms of coverage options, Narragansett Bay offers standard policies for homes as well as additional endorsements that can be added on for extra protection. These include flood insurance, earthquake insurance, and identity theft protection.

Narragansett Bay Insurance Company prides themselves on being a reliable choice for homeowners looking for comprehensive coverage paired with top-notch customer service.

What do customers think of Narragansett Bay Insurance Company?

Narragansett Bay Insurance Company has been providing insurance services for over 20 years. Naturally, there are a lot of customer reviews about the company online. The general consensus is that customers appreciate Narragansett’s quick and efficient claims process. Many also highlight the company’s excellent customer service.

Some customers have complained about higher premiums compared to other insurance providers in the market. However, most seem satisfied with their policies and overall experience with the company.

It is important to note that while certain negative reviews exist, they are few in number compared to positive ones. This suggests that Narragansett Bay Insurance Company generally meets customer expectations and provides reliable coverage.

It appears that many customers are pleased with their experience with Narragansett Bay Insurance Company and would recommend its services to others looking for home or auto insurance coverage.

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Pros and Cons of Narragansett Bay Insurance Company

Narragansett Bay Insurance Company has been around for over 20 years and provides homeowners insurance in limited states. Here are some pros and cons to consider if you’re thinking about using their services.


First, the company offers customizable coverage options that allow policyholders to tailor their policies according to their needs. This means that customers can choose from a range of options, ensuring they get the coverage they need without paying for what they don’t.

Secondly, Narragansett Bay Insurance Company is known for having prompt customer service with claims being handled efficiently. Customers have access to an online portal where they can check on their claim status at any time.

Users like how affordable premiums are with this provider compared to other home insurance companies in the market today.


One downside is that the company only serves a handful of states so not everyone will be able to benefit from working with them. Additionally, there have been complaints about rates increasing after filing claims which may not work well for people who rely heavily on insurance payouts during emergencies or disasters.

Another drawback is that while some customers report positive experiences when filing claims others say it’s more difficult than expected due mainly because of strict requirements needed before payout.

It’s important as a prospective client weigh your options carefully based on individual preferences and circumstances before making any decision whether Narragansett bay Insurance company fits perfectly into your household budget plan or not.

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Alternatives to Narragansett Bay Insurance Company

When it comes to finding the right insurance company, it is important to explore all of your options. While Narragansett Bay Insurance Company may be a great choice for some, there are other alternatives worth considering.

One alternative is Progressive Insurance, which offers a wide range of coverage options at competitive prices. They also have an easy-to-use website and mobile app for managing policies and filing claims.

Another option is Nationwide Insurance, which has been around for over 90 years and offers personalized service with a local agent. They also offer discounts for bundling multiple policies together.

If you’re looking for a more specialized insurance company, Lemonade Insurance may be worth checking out. They use AI technology to provide fast quotes and claims processing, with a focus on transparency and giving back to the community through charitable donations.

Geico is another popular alternative that offers affordable rates and excellent customer service. Their website makes it easy to get quotes online or over the phone with one of their licensed agents.

There are many great alternatives to Narragansett Bay Insurance Company depending on your needs and preferences. It’s important to do your research and compare different companies before making a decision on which one will work best for you.


After analyzing customer reviews and examining the pros and cons, it is clear that Narragansett Bay Insurance Company is a reliable option for homeowners insurance. They offer comprehensive coverage options at competitive prices, with an easy-to-use online platform and personalized customer service.

While there are some negative reviews from customers who have had difficulty filing claims, it appears that these instances are rare and often resolved by the company’s team of experts.

If you’re looking for alternatives to Narragansett Bay Insurance Company, consider companies like Allstate or State Farm. However, be aware that these larger companies may not provide the same personalized attention as smaller insurers like NBIC.

If you’re a homeowner in need of insurance coverage in the northeast United States, Narragansett Bay Insurance Company is definitely worth considering. With their focus on providing high-quality service and protection to policyholders throughout New England and beyond, they’ve earned their reputation as one of the best regional insurers around.