--- title: "Narragansett Bay Insurance Company Review [Updated 2026]" description: "Narragansett Bay Insurance Company specializes in homeowners insurance for coastal properties in nine Northeast and Mid-Atlantic states. Learn about their coverage options, financial strength, and customer service performance." canonical: "https://www.coveragecat.com/reviews/narragansett-bay-insurance-company-review" last-updated: "2026-08-13" --- # Narragansett Bay Insurance Company Review [Updated 2026] Narragansett Bay Insurance Company (NBIC) has carved out a distinctive niche in the Northeast insurance market. The company targets homeowners in coastal regions where many national carriers hesitate to provide coverage. Founded in 1981 and headquartered in Johnston, Rhode Island, NBIC operates as a wholly owned subsidiary of Heritage Insurance Holdings, Inc. [(Narragansett Bay Insurance Company, "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). The company traces its roots to The Pawtucket Mutual Fire Insurance Company, founded in 1848 as the second mutual insurance company in Rhode Island [(Insurance Journal, "Old Rhode Island's New Pawtucket: Big Plans to Stay Small", 2005)](https://www.insurancejournal.com/magazines/mag-features/2005/05/23/55982.htm). This heritage gives NBIC over 175 years of Rhode Island insurance experience, though the modern company was officially incorporated on June 10, 1981, and commenced business on April 1, 1982 [(Crunchbase, "Narragansett Bay Insurance Company - Company Profile", 2025)](https://www.crunchbase.com/organization/narragansett-bay-insurance-company). Heritage Insurance Holdings acquired NBIC for $250 million on November 30, 2017. The transaction included $210 million in cash and $40 million in stock, and the combined entity was expected to generate over $900 million in gross premiums written [(Heritage Insurance Holdings, "Heritage to Acquire Narragansett Bay Insurance for $250 million", 2017)](https://investors.heritagepci.com/2017-08-08-Heritage-to-Acquire-Narragansett-Bay-Insurance-for-250-million-to-Create-Leading-Super-Regional-Personal-Lines-Carrier). Today, NBIC employs 97 people and generates approximately $78 million in revenue [(ZoomInfo, "Narragansett Bay Insurance Company - Overview, News & Similar companies", 2026)](https://www.zoominfo.com/c/narragansett-bay-insurance-co/191726028). The company holds total assets of $431.63 million [(Weiss Ratings, "Narragansett Bay Insurance - Weiss Ratings", 2026)](https://weissratings.com/en/insurer/P43001/comparison). The company focuses exclusively on providing peace of mind to homeowners in coastal regions [(Narragansett Bay Insurance Company, "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). ## What Kinds of Insurance Does Narragansett Bay Insurance Company Offer? NBIC operates as a specialty [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) carrier. The company offers several personal insurance products designed for residential properties, with a particular emphasis on coastal homes that face higher risks from storms and hurricanes. The company currently provides coverage in nine states: California, Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Rhode Island, and Virginia [Ibid.](https://www.nbic.com/company/). NBIC plans to expand into additional states but has not announced specific expansion dates. The company recently began offering coastal home insurance renewal quotes to New Jersey policyholders formerly covered by Proformance Insurance Co., which indicates an expansion strategy through acquiring displaced policyholders [(AM Best, "Narragansett Bay Insurance to Offer Renewals to Palisades Coastal Policyholders", 2026)](https://news.ambest.com/newscontent.aspx?altsrc=23&refnum=127487). Unlike many national carriers that provide a full suite of personal lines products, NBIC concentrates on property insurance for homes and related structures. This specialization allows the company to develop expertise in coastal property risks and underwriting requirements. ### Homeowners Insurance Products NBIC offers comprehensive [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) for multiple property types. The company provides coverage for single-family homes, townhouses, duplexes, owner-occupied properties, secondary homes, seasonal properties, and rental properties [(Narragansett Bay Insurance Company, "Products - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/products/). Standard homeowners policies cover property against natural disasters except earthquakes and floods [(Narragansett Bay Insurance Company, "Frequently Asked Questions - Narragansett Bay Insurance Company", 2020)](https://www.nbic.com/company/frequently-asked-questions/). The policies cover accidental discharge of water from plumbing systems and protect against "sudden and accidental losses," though maintenance-related issues fall outside coverage scope. NBIC offers a proprietary Mariner Plus Endorsement, an enhanced coverage package that provides greater personal liability and medical payments coverage, plus additional protections for water backup, food spoilage, identity theft, and tree removal [(Ibid., "Products - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/products/). This exclusive endorsement serves as a distinguishing feature for the company. ### Condo and Renters Insurance The company provides [condominium](https://www.coveragecat.com/insurance-types/condo-insurance) unit owner policies for people who own individual units in larger buildings. These policies protect the interior of the unit and personal belongings while coordinating with the building's master policy [Ibid.](https://www.nbic.com/products/). NBIC also offers [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) policies for tenants who need to protect their personal property and liability exposure. These policies provide coverage for belongings and additional living expenses if the rental becomes uninhabitable. ### Landlord and Commercial Residential Coverage For property investors, NBIC provides dwelling fire policies designed specifically for landlords. These policies protect rental properties when the owner does not occupy the home [Ibid.](https://www.nbic.com/products/). The company also offers commercial residential policies for condominiums, apartments, and other residential communities. This coverage helps property managers and building associations protect their investments. ### Additional Coverage Options NBIC provides several supplementary coverage options. The company offers equipment breakdown coverage that protects home systems including central air conditioning, boilers, furnaces, heat pumps, water heaters, and electrical panels [Ibid.](https://www.nbic.com/products/). Personal [umbrella liability](https://www.coveragecat.com/insurance-types/umbrella-insurance) coverage extends liability protection beyond standard homeowners policy limits. This extra layer of protection helps cover large judgments that exceed primary policy limits [Ibid.](https://www.nbic.com/products/). The NBIC Flood Endorsement provides an alternative to the National Flood Insurance Program with replacement cost loss settlement [Ibid.](https://www.nbic.com/products/). However, traditional flood insurance remains available through NFIP for customers who prefer that option [(Ibid., "Frequently Asked Questions - Narragansett Bay Insurance Company", 2020)](https://www.nbic.com/company/frequently-asked-questions/). Earthquake coverage can be purchased as part of the homeowner policy for customers who want protection against seismic events [Ibid.](https://www.nbic.com/company/frequently-asked-questions/). ## How Does Narragansett Bay Insurance Company Work? NBIC operates exclusively through a network of licensed independent insurance agents [(Ibid., "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). The company does not sell directly to consumers, which means prospective customers must contact an independent agent to obtain quotes and purchase policies. This distribution model allows NBIC to leverage local agent expertise while maintaining focus on underwriting and claims. Independent agents can compare NBIC's offerings with other carriers to help customers find appropriate coverage. ### The Inspection Process NBIC requires thorough property inspections before issuing policies. The company sends a representative to visit each home and conduct a professional dwelling survey [(NBIC, "ShelterPride - Narragansett Bay Insurance Company", 2024)](https://www.nbic.com/shelterpride/). This inspection program, known internally as ShelterPride, helps the company assess risks and determine appropriate coverage and pricing. The inspection requirement reflects NBIC's focus on coastal properties where storm damage risks demand careful evaluation. While this process adds time to policy issuance, it helps the company maintain underwriting discipline. However, some customers report frustration with stringent underwriting requirements and post-issuance inspection demands that can lead to policy cancellations if repairs are not completed [(BBB, "Narragansett Bay Insurance Company BBB Complaints", 2026)](https://www.bbb.org/us/ri/providence/profile/homeowners-insurance/narragansett-bay-insurance-company-0021-124798/complaints). ### Policy Management Once a policy is in force, customers can manage their accounts through multiple channels. NBIC provides an online customer portal for bill payment and policy management [(Narragansett Bay Insurance Company, "Make a Payment - Narragansett Bay Insurance Company", 2024)](https://www.nbic.com/make-payment/). Policyholders who need to make changes or cancel policies must work with their licensed independent agent [(Narragansett Bay Insurance Company, "Contact Us - Narragansett Bay Insurance Company", 2025)](https://www.nbic.com/company/contact-us/). This agent-centric approach ensures customers receive personalized service for complex transactions. Some customers have noted that the company charges a 50% minimum earned premium when switching insurers, which can create barriers to cancellation [(Better Business Bureau, "Narragansett Bay Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/ri/providence/profile/homeowners-insurance/narragansett-bay-insurance-company-0021-124798). ## Pricing and Payment Options The company offers flexible payment options including online payments, phone payments, and mail payments [(Narragansett Bay Insurance Company, "Make a Payment - Narragansett Bay Insurance Company", 2024)](https://www.nbic.com/make-payment/). Phone payments can be made Monday through Friday from 8:30 AM to 8:00 PM Eastern Time by calling 800-343-3375. Customers who prefer to mail payments can send them to PO Box 71111, Charlotte, NC 28272-1111. Overnight payments should be sent to Deluxe Attn: NBIC Box #71111, 6125 Lakeview Rd Suite 800, Charlotte, NC 28269. | Payment Method | Details | |---------------|---------| | Online | Available 24/7 through customer portal | | Phone | Monday-Friday 8:30 AM - 8:00 PM ET at 800-343-3375 | | Mail | PO Box 71111, Charlotte, NC 28272-1111 | | Overnight Mail | Deluxe Attn: NBIC Box #71111, 6125 Lakeview Rd Suite 800, Charlotte, NC 28269 | ## Customer Service and Support NBIC provides customer service Monday through Friday from 8:30 AM to 4:30 PM Eastern Time [(Yelp, "NARRAGANSETT BAY INSURANCE COMPANY - Yelp Reviews", 2026)](https://www.yelp.com/biz/narragansett-bay-insurance-company-johnston). The company's main customer service line is 800-343-3375, with Option 3 connecting callers to the Customer Service Team, which is available until 5:00 PM [(Narragansett Bay Insurance Company, "Contact Us - Narragansett Bay Insurance Company", 2025)](https://www.nbic.com/company/contact-us/). Customers can also reach the company via email at [email protected] for non-urgent inquiries. The company maintains its headquarters at 1301 Atwood Ave, Suite 316E, Johnston, RI 02919. The company received a MoneyGeek customer service score of 81 out of 100 [(Insurance Guidances, "Unbiased Narragansett Bay Insurance Company Reviews: Pros And Cons", 2025)](https://insuranceguidances.com/narragansett-bay-insurance-company-reviews/). This rating reflects generally positive customer service interactions, though experiences vary by individual circumstance. Some customers report difficulty reaching claims representatives, particularly during peak periods [(Better Business Bureau, "Narragansett Bay Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/ri/providence/profile/homeowners-insurance/narragansett-bay-insurance-company-0021-124798). ## Claims Process and Performance NBIC operates a 24/7 claims hotline at 800-343-3375 (Option 2, then 1) [(Narragansett Bay Insurance Company, "Claims Center - Narragansett Bay Insurance Company", 2024)](https://www.nbic.com/claims-center/). Customers can also file claims online, by email to [email protected], or by fax to 401-721-0700. After filing a claim, policyholders work with a designated claims adjuster to check claim status and coordinate repairs. The company provides information about checking claim status through their website. ### Historical Claims Performance NBIC's claims performance during Superstorm Sandy provides insight into the company's capabilities under catastrophic conditions. The company handled over 20,000 claims after the October 2012 hurricane and received only 244 complaints, representing approximately 1.4% of claims [(Insurance Guidances, "Unbiased Narragansett Bay Insurance Company Reviews: Pros And Cons", 2025)](https://insuranceguidances.com/narragansigances.com/narragansett-bay-insurance-company-reviews/). More than 95% of Sandy-related claims were settled within 120 days or less [(Ibid., "Unbiased Narragansett Bay Insurance Company Reviews: Pros And Cons", 2025)](https://insuranceguidances.com/narragansett-bay-insurance-company-reviews/). This performance demonstrates the company's ability to handle large volumes of claims efficiently. However, the company did face regulatory challenges related to Sandy claims. The New York State Department of Financial Services imposed a $327,400 penalty on NBIC for failing to perform timely inspections of storm damage claims [(New York State Department of Financial Services, "Cuomo Administration Announces Narragansett Bay Insurance Company To Pay $327,400 Penalty", 2014)](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr1405291). The investigation found that policyholders complained about being unable to reach adjusters and adjusters failing to show up for scheduled appointments. NBIC failed in numerous instances to perform adjuster inspections within required time frames. The company was required to improve its systems and procedures within 60 days to process catastrophe claims within legally required time frames. The company handled more than 10,000 claims from policyholders in the greater New York City area after the hurricane. Of the complaints received by the New York Department of Financial Services, 67 were flood-related despite NBIC not writing flood coverage at the time [(Insurance Journal, "N.Y. Orders Narragansett Bay Insurance to Pay $327,400 Fine", 2014)](https://www.insurancejournal.com/news/east/2014/05/29/330378.htm). While the company did not agree with all findings, it admitted to violations per the consent order. ## Pros and Cons
### Pros - **Coastal Property Expertise**: NBIC specializes in coverage for homes near water where many national carriers decline to provide insurance - **Low Complaint Rate**: NBIC averaged only five complaints per year over the past three years, well below the industry average (NAIC, "Consumer Insurance Search", 2026) - **Proprietary Coverage Options**: Mariner Plus Endorsement and NBIC Flood Endorsement provide enhanced protection not available from all carriers (Narragansett Bay Insurance Company, "Products - Narragansett Bay Insurance Company", 2026) - **Regional Focus**: Deep understanding of Northeast and Mid-Atlantic coastal risks from over 44 years of operation (BBB, "Narragansett Bay Insurance Company Business Profile", 2026) - **24/7 Claims Service**: Round-the-clock claims hotline provides access when emergencies occur (Narragansett Bay Insurance Company, "Claims Center - Narragansett Bay Insurance Company", 2024)
### Cons - **Limited Geographic Availability**: Only operates in nine states, primarily in the Northeast and Mid-Atlantic (Ibid., "Company - Narragansett Bay Insurance Company", 2026) - **No Direct Sales**: Must work through independent agents rather than buying directly from the company (Ibid., "Company - Narragansett Bay Insurance Company", 2026) ... - **Limited Business Hours**: Customer service only available weekdays until 4:30 PM or 5:00 PM EST (Narragansett Bay Insurance Company, "Contact Us - Narragansett Bay Insurance Company", 2025) - **Cancellation Fees**: Company charges 50% minimum earned premium when switching insurers (Better Business Bureau, "Narragansett Bay Insurance Company BBB Business Profile", 2026)
## Ratings and Customer Feedback | Rating Source | Score/Rating | Notes | |--------------|--------------|-------| | **BBB** | B+ | Not BBB Accredited [(Ibid., "Narragansett Bay Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/ri/providence/profile/homeowners-insurance/narragansett-bay-insurance-company-0021-124798) | | **Demotech** | A (Exceptional) | Accepted by Fannie Mae, Freddie Mac, and HUD [(Demotech, "NARRAGANSETT BAY INSURANCE COMPANY - Demotech", 2026)](https://www.demotech.com/company/43001/) | | **KBRA** | BBB+ | Affirmed December 2025 [(KBRA, "KBRA Affirms Ratings for Heritage Insurance Holdings, Inc. and ...", 2026)](https://www.kbra.com/publications/ZfvJwQkr) | | **NAIC Complaint Index** | 0.05 | 99% fewer complaints than expected for company size (2021) [(NAIC, "Consumer Insurance Search", 2026)](https://content.naic.org/cis_refined_results.htm) | | **Yelp** | Not specified | 76 reviews total [(Yelp, "NARRAGANSETT BAY INSURANCE COMPANY - Yelp Reviews", 2026)](https://www.yelp.com/biz/narragansett-bay-insurance-company-johnston) | | **Trustpilot** | 3/5 | Based on 2 reviews [(Trustpilot, "Narragansett Bay Insurance Reviews - Trustpilot", 2026)](https://ca.trustpilot.com/review/nbic.com) | | **A.M. Best** | Not Rated | Company is not rated by A.M. Best. Heritage Insurance Holdings, NBIC's parent, discloses ratings from Demotech and KBRA only [(Heritage Insurance Holdings, "Form S-3/A", 2024)](https://www.sec.gov/Archives/edgar/data/1598665/000119312524115939/d810578ds3a.htm) | ### Financial Strength Analysis NBIC holds a Demotech Financial Stability Rating of "A, Exceptional" [(Demotech, "NARRAGANSETT BAY INSURANCE COMPANY - Demotech", 2026)](https://www.demotech.com/company/43001/). This rating is accepted by Fannie Mae, Freddie Mac, and HUD programs, which allows the company to insure mortgaged properties from these agencies. The company's reinsurance program includes Lloyd's of London, Bermuda, European, Asian, and domestic reinsurers rated A.M. Best "A" Excellent or better [(Narragansett Bay Insurance Company, "NBIC's Financial Stability Rating from Demotech", 2025)](http://www-stg.nbic.com/company/financial-rating.aspx). This reinsurance structure helps protect the company against catastrophic losses. KBRA affirmed NBIC's Insurance Financial Strength Rating of BBB+ in December 2025 [(KBRA, "KBRA Affirms Ratings for Heritage Insurance Holdings, Inc. and ...", 2026)](https://www.kbra.com/publications/ZfvJwQkr). The company maintains total assets of $431.63 million and reports a loss ratio of 80.05% [(Weiss Ratings, "Narragansett Bay Insurance - Weiss Ratings", 2026)](https://weissratings.com/en/insurer/P43001/comparison). The rating reflects the company's position within the Heritage Insurance Holdings portfolio, which faces competitive pressures in the coastal property insurance market. A Rhode Island Department of Business Regulation examination confirmed that NBIC's reserves are calculated in accordance with accepted reserving methods and that actuarial factors are appropriate given risk exposures under policy provisions [(Rhode Island Department of Business Regulation, "Report on Examination of Narragansett Bay Insurance Company", 2021)](https://dbr.ri.gov/media/21051/download). NBIC carries a Demotech Financial Stability Rating of "A, Exceptional" rather than a rating from A.M. Best, Standard & Poor's, or Moody's [(NBIC, "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). The absence of an A.M. Best rating is typical for smaller regional carriers but limits the company's appeal to some customers who prefer carriers with major rating agency coverage. Freddie Mac and Fannie Mae accept Demotech ratings as an alternative to A.M. Best for property insurers [(Freddie Mac, "Single-Family Seller/Servicer Guide Section 4703.1", 2025)](https://guide.freddiemac.com/app/guide/section/4703.1), though some private lenders set their own A.M. Best minimums, which can narrow NBIC's reach with those institutions. | Financial Metric | Value | Source | |-----------------|-------|--------| | Total Assets | $431.63 million | Weiss Ratings, 2026 | | Loss Ratio | 80.05% | Weiss Ratings, 2026 | | Annual Revenue | $78 million | ZoomInfo, 2026 | | Employees | 97 | ZoomInfo, 2026 | ## Real Customer Reviews
**Positive Claims Experience** "The claims adjuster, Ralph, addressed all our issues and was extremely thorough and fair." This customer made their first claim after 30 years of home ownership and praised the adjuster's thoroughness [(Yelp, "NARRAGANSETT BAY INSURANCE COMPANY - Yelp Reviews", 2026)](https://www.yelp.com/biz/narragansett-bay-insurance-company-johnston).
**Policy Management Issues** "Worst insurance company I ever dealt with... They issued my policy then asked for repairs during winter storms." This negative review highlights frustration with post-issuance requirements and timing [(Trustpilot, "Narragansett Bay Insurance Reviews - Trustpilot", 2026)](https://ca.trustpilot.com/review/nbic.com).
Customer reviews for NBIC present a mixed picture. According to the NAIC's Consumer Information Source, NBIC's complaint index falls well below the national median of 1.0, which means the company receives fewer complaints than expected for its size [(NAIC, "Closed Confirmed Consumer Complaints by Coverage Type", 2025)](https://content.naic.org/cis_agg_type.htm). The company averaged only five complaints per year over the past three years. However, reviews indicate that experiences vary by location and individual circumstances. Some customers report frustration with the company's stringent underwriting requirements and post-issuance inspection demands. Most customers report pleasant claims experiences, though some have encountered rude adjusters and slow payouts. ## Company Culture and Recognition Providence Business News named NBIC one of the 2025 Best Places to Work [(Narragansett Bay Insurance Company, "Latest News - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/latest-news/). This recognition reflects the company's employee-focused culture. Timothy Moura serves as President of Narragansett Bay Insurance Company. The company's culture is shaped by the dedication of its employees and agents. In February 2026, NBIC participated in the "Souper Bowl of Caring" event to fight hunger in Rhode Island [Ibid.](https://www.nbic.com/latest-news/). ## Frequently Asked Questions **What states does Narragansett Bay Insurance Company operate in?** NBIC provides coverage in nine states: California, Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Rhode Island, and Virginia [(Ibid., "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). **Does NBIC offer flood insurance?** Yes. NBIC offers an NBIC Flood Endorsement as an alternative to the National Flood Insurance Program, with replacement cost loss settlement [(Ibid., "Products - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/products/). Traditional NFIP flood policies are also available. **Can I buy insurance directly from NBIC?** No. NBIC sells exclusively through licensed independent insurance agents [(Ibid., "Company - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/company/). You must contact an independent agent to obtain quotes and purchase policies. **What is the Mariner Plus Endorsement?** The Mariner Plus Endorsement is NBIC's exclusive enhanced coverage package that provides greater personal liability and medical payments coverage, plus additional protections for water backup, food spoilage, identity theft, and tree removal [(Ibid., "Products - Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/products/). **Does NBIC require property inspections?** Yes. NBIC inspects every dwelling it insures through its ShelterPride program, a risk appraisal and underwriting process provided at no charge to policyholders [(NBIC, "Narragansett Bay Insurance Company", 2026)](https://www.nbic.com/). The inspection helps NBIC confirm the right coverage amount and identify potential risks. **How do I file a claim with NBIC?** Call the 24/7 claims hotline at 800-343-3375 (Option 2, then 1). You can also file claims online, by email to [email protected], or by fax to 401-721-0700 [(Narragansett Bay Insurance Company, "Claims Center - Narragansett Bay Insurance Company", 2024)](https://www.nbic.com/claims-center/). **Is NBIC financially stable?** NBIC holds a Demotech rating of "A, Exceptional" [(Demotech, "NARRAGANSETT BAY INSURANCE COMPANY - Demotech", 2026)](https://www.demotech.com/company/43001/). KBRA affirmed the company's rating of BBB+ in December 2025 [(KBRA, "KBRA Affirms Ratings for Heritage Insurance Holdings, Inc. and ...", 2026)](https://www.kbra.com/publications/ZfvJwQkr). The company maintains total assets of $431.63 million [(Weiss Ratings, "Narragansett Bay Insurance - Weiss Ratings", 2026)](https://weissratings.com/en/insurer/P43001/comparison). **Does NBIC cover coastal properties?** Yes. NBIC specializes in coverage for coastal properties in weather-exposed markets [(NBIC, "Latest News", 2026)](https://www.nbic.com/latest-news/). **What are NBIC's customer service hours?** Customer service is available Monday through Friday from 8:30 AM to 5:00 PM Eastern Time at 800-343-3375 [(Narragansett Bay Insurance Company, "Contact Us - Narragansett Bay Insurance Company", 2025)](https://www.nbic.com/company/contact-us/). **Who owns Narragansett Bay Insurance Company?** Heritage Insurance Holdings, Inc. (NYSE:HRTG) acquired NBIC for $250 million in November 2017 [(Heritage Insurance Holdings, "Heritage to Acquire Narragansett Bay Insurance for $250 million", 2017)](https://investors.heritagepci.com/2017-08-08-Heritage-to-Acquire-Narragansett-Bay-Insurance-for-250-million-to-Create-Leading-Super-Regional-Personal-Lines-Carrier).