Narragansett Bay Insurance Company (Narragansett Bay) is a leading specialty underwriter of homeowners insurance products and ... services in states along the Northeast seaboard. The company currently provides homeowners coverage in CT, DE, MA, MD, NJ, NY, RI, and VA – with plans to add additional states. Headquartered in Johnston, Rhode Island, Narragansett Bay offers its products and services through an extensive network of independent agents. Narragansett Bay has developed a unique approach to homeowners coverage. We believe that responsible homeowners, who do more to maintain homes and prevent loss, deserve more and better service from their insurance company. On that principle, we have made homeowners insurance our only business and we pride ourselves in delivering better fitting, more fair and flexible coverage, no matter the size or location of your home. Unlike other companies, we provide every new policyholder with an in-home ShelterPride Appraisal — a personalized interior and exterior survey that helps ensure you have the correct amount of coverage based on replacement cost, alerts you to important safety risks, and makes sure you are getting the credits you deserve. By applying our industry leading underwriting analytics and cutting-edge technology, we can offer our higher level of service without higher prices for coastal and inland properties. Please contact your independent Narragansett Bay insurance agent to answer any individual questions and to design a complete insurance plan. Find out why we are The #1 Choice for Responsible Homeowners, like you. read more