Available in CT, DE, MD, NJ, VA

NBIC is a large homeowners insurance carrier with few restrictions. They are a wholly-owned subsidiary of Heritage Insurance Company and write HO3, HO4, HO5 (excluding VA), HO6, and DP3 products (varies by state).

Why NBIC?

No hurricane deductible requirements
All other peril deductible options up to $50,000
Do not require Primary to write Secondary
Very competitive 2 miles from the ocean or bay with much of their book within 10 miles (…market niche). However, they have rates for all zip codes in our states
Value Added Coverage’s include
- Guaranteed home replacement cost available
- Equipment Breakdown Coverage
- Service lines coverage- pays to repair or replace exterior underground water and sewer piping, electrical service lines and data lines that fail or are accidentally broken.
- Agents can bind up to $1.6 million of Coverage A, NBIC can bind in excess of $3 million with prior approval
- Can write liability limits up to $1 million
- Can add umbrella coverage between $1 and $5 million available