Narragansett Bay Insurance Company (NBIC) specializes in providing homeowners insurance specifically designed for responsible homeowners living in coastal regions. As a wholly owned subsidiary of Heritage Insurance Holdings, Inc., NBIC operates within the property and casualty insurance market. The company primarily serves individual homeowners who require tailored insurance solutions to protect their properties from unique coastal risks.

NBIC's business model revolves around underwriting and selling insurance policies through a large network of experienced agents across multiple states including Alabama, Connecticut, Delaware, Florida, and Georgia. The company generates revenue by collecting premiums from policyholders and managing risk through careful underwriting practices.

NBIC differentiates itself by focusing on loss prevention and offering additional resources to help homeowners mitigate potential risks. This includes providing comprehensive loss checklists, claims reporting services, and a dedicated platform called ShelterPride for loss prevention resources.

The company aims to provide peace of mind to its clients by ensuring they have robust coverage and support in the event of a claim.

Keywords: homeowners insurance, coastal regions, responsible homeowners, loss prevention, underwriting, insurance policies, risk management, claims reporting, ShelterPride, Heritage Insurance Holdings.