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Trusted Homeowners Insurance Solutions in Johnston, RI
Narragansett Bay Insurance (NBIC) is a specialized homeowners insurance provider focused on serving responsible homeowners in coastal regions. Established as a subsidiary of Heritage Insurance Holdings, Inc., we combine over 25 years of industry expertise with innovative programs like ShelterPride, a complimentary risk appraisal system ensuring accurate coverage assessments. Our team of seasoned professionals delivers tailored insurance solutions, including homeowners, condo, dwelling, and commercial residential policies, across eight states. Recognized for financial strength with a Demotech, Inc.FSR rating of A, Exceptional, we prioritize fair, flexible coverage and exceptional claims service. Our regional underwriting approach enables competitive pricing while maintaining a commitment to policyholder satisfaction. Through independent agents and a dedicated claims department, we provide comprehensive protection for homes, personal property, and liability risks. Our leadership team brings decades of experience in insurance operations, product development, and risk management to ensure sustained growth and service excellence.
Services
Homeowners Insurance
Personal Umbrella
Equipment Breakdown
Service Line Coverage
Flood Endorsement
Condo Insurance
Dwelling Insurance
Commercial Residential Insurance
Highlights and features
- We offer the ShelterPride program for accurate coverage assessments at no charge.
- We hold an A, Exceptional financial stability rating from Demotech, Inc.
- Our team has over 25 years of combined insurance leadership experience.
- We provide specialized coverage for coastal region properties and flood risks.
- We deliver personalized claims service with dedicated adjusters.
Associations and certifications
- Demotech, Inc.
What people say
Professional service
Prompt with everything
Outstanding customer service
Services
Homeowners Insurance
Our homeowners insurance protects single-family homes, townhouses, and rental properties against fire, theft, and liability risks. Coverage includes personal property, loss of use, and medical payments. Optional endorsements like Mariner Plus enhance protection with expanded tree removal and identity fraud coverage. Policyholders benefit from competitive pricing and regional underwriting expertise tailored to coastal properties.
Equipment Breakdown
This endorsement covers mechanical failures of home systems like HVAC, water heaters, and electrical panels. Unlike standard policies, we provide repair or replacement for breakdowns caused by normal wear and tear. Systems protected include solar heating, pool pumps, and home security devices, offering added security for modern home infrastructure.
Service Line Coverage
This optional coverage protects against damage to underground service lines for water, gas, and electrical systems. Policyholders receive reimbursement for repairs to covered lines owned by the insured. The program addresses leaks, ruptures, and arcing incidents, reducing financial risk for essential home utility infrastructure maintenance.
Flood Endorsement
Our flood endorsement provides alternative coverage to the National Flood Insurance Program. It offers replacement cost settlement for dwellings in all flood zones with limits matching standard homeowners policies. This integrated solution eliminates the need for separate flood policies, streamlining claims processing for combined homeowner and flood losses.
Commercial Residential Insurance
Designed for property managers and associations, this coverage protects condominium complexes, apartment buildings, and retirement communities. Policies include loss of rents, other structures coverage, and liability protection. We offer specialized programs for HOAs, apartment complexes, and continuing care facilities with competitively priced options tailored to multi-unit residential properties.
People
Timothy Moura
President
Timothy Moura directs NBIC operations with 25+ years of insurance leadership. Former roles at Tower Group and OneBeacon Insurance include underwriting and business development. Holds MBA from Bryant University and Bachelors from Clark University.
Kirk Lusk
Chief Financial Officer
Kirk Lusk oversees financial operations for Heritage subsidiaries with 25+ years in insurance finance. Former CFO roles at Aetna and Hartford experience include international financial management across 20 legal entities in multiple countries.
Glen Tiziani
Senior Vice President, Sales & Distribution
Glen Tiziani manages agency relationships with 30 years of insurance experience. Holds CPCU and CIC designations. Previously led sales teams at American Modern Insurance Group and AAA Allied Group, Inc.
David H. Deacon, Jr.
Senior Vice President, Product Management
David Deacon leads product development with 20+ years in insurance. Holds ACAS, MAAA, CPCU, and ARe certifications. Former actuarial roles at Hanover Insurance and MetLife Auto & Home include teaching P&C reserving at Bryant University.
Questions
Do you cover damage from burst pipes?
Yes, accidental water discharge from plumbing systems is covered, though pipe damage from wear and tear isn't included.
Is basement water seepage covered?
No, standard policies exclude gradual water intrusion. We offer a sump pump endorsement for up to $5,000 in coverage.
Are hurricane damages covered?
Yes, hurricane damage is covered. Earthquakes and floods require separate policies or endorsements.
What steps should I take after water damage?
Turn off water, call 800-343-3375, remove standing water, protect furniture, and open cabinets for drying.
Is vandalism covered?
Yes, property damage from vandalism is covered if the home hasn't been vacant for over 60 days.
Does homeowners insurance cover lost jewelry?
No, mysterious disappearance isn't covered. Schedule valuable items separately through your agent.
