Narragansett Insurance Company (NBIC) understands that standard insurance coverage may sometimes have limitations. To ensure comprehensive protection, NBIC offers additional insurance options that complement your primary home or auto insurance policies.
Umbrella Insurance: Extending Your Liability Coverage
Umbrella insurance from NBIC goes beyond the limits of your primary policies. It provides extra liability coverage, protecting you against significant claims that exceed your standard insurance limits. This ensures your assets and future earnings are safeguarded in case of a lawsuit.
Flood Insurance: Essential Protection Against Natural Disasters
While homeowners insurance covers many types of disasters, it often excludes flood damage. NBIC’s flood insurance fills this crucial gap, covering repairs and replacement costs for property and belongings damaged by floods, whether you live in a flood-prone area or not.
Identity Theft Insurance: Safeguarding Your Personal Information
In today’s digital world, identity theft is a growing concern. NBIC offers identity theft insurance to help you recover financially and emotionally from identity theft incidents. This coverage includes reimbursement for expenses like legal fees and lost wages due to time taken off work to resolve identity theft issues.
Earthquake Insurance: Protection in Seismic Zones
Standard homeowners insurance typically doesn’t cover earthquake damage. NBIC provides earthquake insurance for homeowners in seismic zones, covering repairs to your home, replacement of damaged personal property, and additional living expenses if your home becomes uninhabitable due to an earthquake.
Conclusion: Strengthen Your Coverage with NBIC’s Third Insurance Options
NBIC’s additional insurance options enhance your primary home or auto insurance, providing peace of mind against unforeseen events. Whether you need extended liability protection, coverage against natural disasters like floods and earthquakes, or protection from identity theft, NBIC ensures you have comprehensive insurance solutions tailored to your needs.
For more information on NBIC’s third insurance options or to customize your insurance coverage, contact NBIC today. Their dedicated team is ready to assist you in selecting the right additional protections to complement your primary insurance policies and provide the security you deserve.
FAQ
- What is umbrella insurance? Umbrella insurance extends liability coverage beyond the limits of your primary insurance policies, providing additional protection against major claims.
- Why do I need flood insurance if I have homeowners insurance? Homeowners insurance typically excludes flood damage. NBIC’s flood insurance ensures you’re covered against flood-related losses.
- What does identity theft insurance cover? Identity theft insurance reimburses expenses related to recovering your identity, including legal fees and lost wages due to time off work.
- Does homeowners insurance cover earthquake damage? Standard homeowners insurance doesn’t cover earthquake damage. NBIC’s earthquake insurance protects your home and belongings in seismic zones.
- How can I add third insurance options to my existing policy? Contact NBIC to discuss adding umbrella, flood, identity theft, or earthquake insurance to your primary home or auto insurance policy.
- Why choose NBIC for third insurance options? NBIC offers flexible and comprehensive additional insurance options with a focus on exceptional service and meeting your unique insurance needs.