Our commitment is to provide our customers with the best coverage and the best service at the best price. Specializing in the most competitive auto insurance and fast service for homeowners insurance needed for closings. We are proud to provide personal service at a price lower than the nationally advertised insurance companies that say they can save you 15% on your auto insurance.
Services
We specialize in preparing binders and all other forms needed to close on a home at time of purchase.
This service is something the direct insurance companies are unable to provide.
Please contact us by E-Mail or phone with your homeowners insurance needs and we will tailor a policy for your needs.
Single deductible (when a single loss involves both an auto policy & homeowners policy at once, a deductible is used rather than two deductibles making the total deductible less).
Homeowners & auto insurance must be with the same insurance company.
This service is something the direct insurance companies are unable to provide.
Please contact us by E-Mail or phone with your homeowners insurance needs and we will tailor a policy for your needs.
Single deductible (when a single loss involves both an auto policy & homeowners policy at once, a deductible is used rather than two deductibles making the total deductible less).
Homeowners & auto insurance must be with the same insurance company.
If your home is located in a flood zone (any A zone) you will be required by your mortgage company to purchase flood insurance.
Homeowners insurance doesn't cover losses from flood damage.
Flood Insurance rates are set by the National Flood Insurance Program (NFIP), but SCM Insurance does offer discounted flood insurance through Lloyd's that can save as much as 50%.
Newer homes may require a Elevation Certificate (Elevation Certificates must be prepared and certified by either a land surveyor, engineer, or architect).
Homeowners insurance doesn't cover losses from flood damage.
Flood Insurance rates are set by the National Flood Insurance Program (NFIP), but SCM Insurance does offer discounted flood insurance through Lloyd's that can save as much as 50%.
Newer homes may require a Elevation Certificate (Elevation Certificates must be prepared and certified by either a land surveyor, engineer, or architect).
Personal umbrella liability is available to extend your liability coverage beyond your homeowners and auto policies maximum limits.
Due to today's higher lawsuit environment many customers will not be without a personal umbrella!
Auto accident and ticket record for the past 5 years will be a consideration as well as any prior liability claims.
Premiums of under $150 per year can be offered for an insured with only one house and one auto.
Premiums of around $200 per year are typical for most insured's.
Due to today's higher lawsuit environment many customers will not be without a personal umbrella!
Auto accident and ticket record for the past 5 years will be a consideration as well as any prior liability claims.
Premiums of under $150 per year can be offered for an insured with only one house and one auto.
Premiums of around $200 per year are typical for most insured's.
Customers that currently have auto insurance please FAX, mail or drop-off your current policy for a accurate comparison quote that will save you hundreds of dollars.
Please include your phone number and time when we can contact you for additional information and the quote results.
Customers that do not currently have auto insurance should call between 9AM and 5PM for a phone quote.
Quick phone quotes are for customers with no current insurance and are not intendedto beat a price!
Advanced Quote (Safeco & Progressive) Starting day of policy must be more than 7 days after quote.
Please include your phone number and time when we can contact you for additional information and the quote results.
Customers that do not currently have auto insurance should call between 9AM and 5PM for a phone quote.
Quick phone quotes are for customers with no current insurance and are not intendedto beat a price!
Advanced Quote (Safeco & Progressive) Starting day of policy must be more than 7 days after quote.
Inquiries: please call 1-800-922-8427.
Representatives are available weekdays from 7:00 AM to 9:30 PM and Saturday 9:00 AM to 5:00PM.
An automated service is available 24 hours a day.
Narragansett Bay Insurance Company offers flexible payment options.
Policies can be paid online, over the phone, or by mail.
If you have any questions, you may call NBIC's Customer Service Team at 800-343-3375, Monday through Friday from 8:30 a.m. to 5:00 p.m.
You may pay your bill by phone Monday-Friday (excluding holidays) from 8:00 AM - 4:00 PM by calling our Billing Department at (877) 763-1800.
Representatives are available weekdays from 7:00 AM to 9:30 PM and Saturday 9:00 AM to 5:00PM.
An automated service is available 24 hours a day.
Narragansett Bay Insurance Company offers flexible payment options.
Policies can be paid online, over the phone, or by mail.
If you have any questions, you may call NBIC's Customer Service Team at 800-343-3375, Monday through Friday from 8:30 a.m. to 5:00 p.m.
You may pay your bill by phone Monday-Friday (excluding holidays) from 8:00 AM - 4:00 PM by calling our Billing Department at (877) 763-1800.
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